I knew there were advantages of living in the highlands!
the guy i spoke to was an insolvency practitioner & financial advisor
and he sounded like he knew what he was speaking about.
I'll let you's know how I get on
Thanx

aye im up in scotland!
i'll wait and see what happens on saturday & by then I should have a better idea where I stand!

forgot 2 ask - someone mentioned that i didnt have enough debts to do an iva? i think i owe around £14500, would that be enough?

Thats the answer i wanted to hear - thanks!! [:p]

So if i was able to go thru with the sequestation or trust deed, would my boyfriends house not be affected? I read somewhere that if i was to acquire property after this had been done then i might have to surrender it? I suppose that means if i inherited or bought property in my own name?

Thanks - i might just do that - i have someone coming to see me this saturday but the whole house thing is worrying me.
If it falls thru i'll give them a phone [:)]

The only thing i was worried about is the fact im due to get married in about 4 weeks and at the moment i live with my boyfriend who has a mortgage but obvoulsy after we are married i would be entitled to half his house. I was told that if i was to go ahead before the wedding with the trust deed the...

after i pay my bills and commitments i have about £300 left so i could afford about £100 a month I had someone contact me last night about doing a trust deed - as i live in scotland- and he thinks there would be no problem doing this. However he did say that because i owe northern rock £11000 there ...

Hi I am currently £14000 in debt to 3 creditors. I am getting no beacuse of the amount of interest. I earn about £800 a month and a quarter of this go's on debt. I was browsing the internet and came accross Payplan, they are going to be phoning me tonight, but Im still unsure what to do, my debts ar...