Sorry to have to read the above - again makes me feel the ambulance chasers are in it for themselves, alone (not including you Melanie) they have big advertising bills to pay, currently pay £75 per internet lead for debt management! They know they'll probably never write 75% off even though technica...

Valid points everyone - those in the industry knew much of this anyway, but .......... there are ambulance chasers out there, they have been advertising for quite some time now but with trillions out in debt the media (Mail etc) have escalated the ambulance chasers profiles! As I see it creditors ar...

Hi Jamie, Exactly why i enquired your aspirations - Australia or if you were Home office Police type employment BR is a big no no. IVA will only allow you what you need to live on (frugally) so, When is the baby due? When does you wife lose her job? You have to balance cost of baby and lost income a...

JH worth establishing if the debt you have can charge interest - i.e. does the original loan agreement have clauses for interest. Danger is that interest could be accruing whilst Charge Order is in place - is any interest compound or simple? Given that prices/values continue to increase you might on...

Hi Jamie, Yes in bankruptcy most banks will close your accounts, especially current account though they are not obliged either way. Two banks give you a better chance of keeping at least one open - also worth getting a post office account. You definately need somewhere to receive wages and clear any...

Hi Jamie, Sorry to hear of the state things are in but i do suggest you think about things very carefully right now especially with your wife pregnant. Obviously I do not know your circumstances but unless you have a real good job with great income that would be at risk under bankruptcy i would cert...

Hi Mark, Same as Julia, what equity do you have? Even if you have lots of equity a new mortgage might (will on £250 p/wk net)prove unaffordable even though there are plenty of lenders that will make you an offer. How many cards make up the £18,000? Recent confirmation of a client still only paying £...

Hi Sandra, Sorry to hear the woes you have suffered - surely the IP should have kept you informed - I just wish I had found this forum earlier and that I could have offered my service then, 2 properties and debts due to you and I reckon, even not knowing the circumstances at least something could ha...