thanks Andy.I have been advise by two different ips I would say.one says if my partners is accepted then it is secured and the other ip says both ivas will have to be presented again.Why is this as my partners should be a done deal by now.pls advice.

what happens when in a joint iva one gets accepted and the other doesnot?thanks

thanks mel.i am actually talking to your colleague at the moment but we have some stress with childcare costs and are looking at our options such as bankruptcy or borrowing on the house in which case we are paying triple back.wish i could actually speak to you for advice rather than have someone act...

thanks guys.there is no equity in the house as i tried to get an equity release and was told there nothing for them to give me.
my car is on hp so it might be no good to whoever wants to sell it.no fantastic assets except for my clothes and house stuff which have next to no value

thanks would i be able to tell right from the onset or its something that could spring up as a surpise in court.

i was just wondering if the house and cars always have to go in bankruptcy even if there is no equity in the house.

Thanks alot for that piece of advise

hi i have been in contact with your office and they have my details.i believe in protocol,but however i would like to ask you some questions as my posting replies havenot quite hit the nail on the head.using my forum names mark.e or faith tina should be able to give you my number.please help.

wife and i applied to nationwide over the net are were declined eventhough our credit history is not yet affected

wife and i applied to nationwide over the net are were declined eventhough our credit history is not yet affected

is it more difficult to open a joint account than a personal one?

do you mind mentioning what company you used?

about 74k.iva is being considered for me but it seems there isnot enough to pay into an iva.thinking of takng an equity release loan of 33k and use it as a proposal to the creditors.pls advice is it possible to approach creditors with a bulk of 33k and pay off in iva situation from the onset(ie havi...