Thanks IVA experts. Is this the same for section 4 of the forms when you list the unsecured creditors and then on the last cell it asks "what was the debt for?" Its mostly this that I dont recall what I spent the money on? Some of it I do.

Thanks for your help. One other question about the forms. When they ask about your debt they also ask what it was spent on. What should I put down if I dont remember? It has all built up over 8 years. I remember using one credit card to buy a washing machine and other kitchen bits then took out a lo...

Cheers for that DD, will add them in. I have tried looking for the stuff about tax credits but could not find it, anyone know where it is on the insolvency site?

Hi I am filling out the BR forms and on the income part do I need to list the follow: Wife's maternity pay? (this is only going to be paid for another 4 months and she is not returning to work) Child tax credits? This is being paid jointly to my wife and me. And child benefits? This is only being pa...

Thank you for your help. I sold my house 3 months ago too so that means that will be looked into as well. All profit went to paying off the secured debt and mortgage.

I have looked and it was in June 06 that I transfered the car into the wife's name. Also I have looked at the tenants agreement we signed and it says under section 8 Landlords right of termination The landlord is entitled to terminate this tenancy agreement & obtain a court order to evict the tenant...

it could be 6 months or more I would have to check

Both of the cars were purchased using some credit but not HP. one was in my name because my wife was not present when the car was purchased and it was a few months before I signed it over to her.

I am about to apply for BR and I have a few questions, I have been told that my land lord will be informed of the bankruptcy, is this true even if I owe them no money? What actions can he then take (kick us out?)? Can I apply for the bankruptcy in just my name or do I have to include my wife, all th...

Hi

The credit was not used to pay off existing credit from Lloyds, it was used to pay a secured debt off so that I could sell my home and reduce my total debt and my monthly outgoings.

The lender is Lloyds TSB. I have heard that they can be difficult. They have the deciding say as I owe them the most

About 3-4 months ago I took out a loan to try and consolidate my debts. It did not work as my wife has had to give up work during the last stages of pregnancy and she will not be returning after the baby is born and now I am struggling to pay them back. I want to apply for an IVA but have been told ...