ha ha. yes I certainly will. Thnaks "back on track" you made me laugh

I am definitely going down the BR route, if only to say "serves you right" to my creditors who refused my IVA!!! My question is however can BR be refused if I say I dont want to do a DMP? Also as I have a joint BASIC bank account with my husband (with no credit facilities) that we opened when I appl...

congrtulations. Glad you had a better results than me. Who was your IP out of interest?

I think I am definitely going down the BR route, if only to say "serves you right"!!! My question is however can BR be refused if I say I dont want to do a DMP? Also as I have ajoint bank account with my husband and no joint debts how realistic is it that the OR will not freeze our account. I am wor...

My IP is preparing the report which she said needs to be done in 4 days. I'm not sure that she is going to mention the bankruptcy to Northern Rock. I will ask her to though.

But our wages get paid into this account and bills paid by DD. We dont have savings. But obviously our account is looking better than it did as I am not currently paying my creditors. I take it they will take this into account. I will have to show bank statements so can explain that then can't I? I ...

Unfortunately my IVA was rejected BY Northern Rock. They say they want me to do a DMP. I am now looking at bankruptcy as I have many creditors and cannot afford to take the risk of paying back more than I currently owe if they don't all freeze interest and charges. Also it is not secure in that they...

I have mine too today. So I know how you are feeling. Hopefully this will be the start of a new life .....good luck

HI, Can anyone tell me how long the creditors meeting normally lasts? I have my creditors meeting today. It started at 11am. I am at work and just wanted to know roughly how long I need to be available to take calls/emails.
Thanks

Thanks I am already with an IP and all of my DI is being used. However they calculated that I would end up paying more back than I owe after the 60 months. This is probably because some of my debts have less than 5 years to run??? So I am now considering bankruptcy. Just waiting to see what my IP sa...

Hi, when I do an IVA calculator on this site it shows that I would pay only half of my DI to the IVA however in reality my IP has said I pay all my DI to the IVA. which is correct or does this differ with different companies?

I wouldn't get a loan - have bad credit - and don't want any more debts

All well and good but it means people are paying more than they can afford in some cases if their DI is showing higher than it actually is.

I think the allowances on some things are ridiculously low. I have ben llowed just £21 PER MONTH for my dog. His food alone is £26 per month plus insurance plus flea and wor,ming and contingency for any vet fees. They say we need to cut down but we can't stop feeding our dog. Also things like haircu...

Thanks everyone for your advice. Why would my tax code change to zero? Also an Income Payment Order - does that equate to my disposble income? Lastly, is there any criteria stating how much percentage of the deb your DI must be to get bankruptcy or is it just a case if your debts are more than your ...