There is about 9k equity in my house. Half will go to my ex, so if i have to go bankrupt there will only be just under 5k to go to all my creditors. It seems silly that they are not prepared to accept my proposal, becasue the only option i think i will have if it doesnt go through is bankruptcy. To ...

He didnt seem too sure. I have been with the CU for a lot of years, but took out a home improvement loan in sept/oct last year. Then my marriage went belly up in Feb and i could no longer pay. He thinks this is the reason, becasue its such a new debt. I also have another new debt for a large anount ...

Just had my advisor on the phone. Its not good news. One of my biggest creditors has rejected. Its a credit union and they have said no. It is not looking good. I am devastated and i dont know what to do.

Great news Foggy. I hope your dear old Dad recovers well x

Oh gawd! Its D-Day tomorrow. I havent slept for 3 nights. I know i shouldnt worry, and everyone is saying not to but i am something chronic. I have a really bad feeling about it. Its been so bad ive even been looking for houses to rent as i have convinced myself its all going to go wrong and i am go...

Well Done!!

My advisor seems confident and he is lovely. I guess im going to take my dogs out for a long walk and enjoy the bank holiday instead of sitting her and worryin. Thanks again Foggy your a star x

Thanks Foggy. I really hope so, and i am trying! lol. I know LOTS of people have been here before me, but the way things have been lately with my luck, it would be just typical if mine was rejected. I think im worrying more because a big chunk of the debt was taken on very recently...like the start ...

Hellloooo everyone. Im wanting a whinge lol. I have my creditors meeting on Thursday and i am bricking it. I am so worried my IVA proposal is going to be rejected. I know its normal and perfectly OK to feel like this, but im full of "what ifs". Ive found myself looking for places to rent in case it ...

Well done! Ive just gone with McCambridge Duffy and the date has been set for the creditors meeting. I have heard nothing but good things, so i have 110% confidence in them. Have a great day! x

The car is a lease car brightie. It is done through work though for a fixed 3 year term. The money is taken from salary before i get my take home pay, so I get less to take home. HOWEVER....i do have a car on HP. The repayments are huge, and much more than the lease car. This car is going back to th...

Dont worry about it. I have just opened a Nationwide account with no problems at all and am in the same situation as you

I am also a professional clinician with the NHS. I have just had a date for my creditors meeting, and been approved for a lease car as its cheaper than the HP on my current car which i cannot afford. I didnt have to declare any IVA or anythign like that. It does not affect your job and your employer...

Indeed! Thanks again Andy,

Awww congrats! My creditors meeting is 9th May, so fingers crossed i can come back with the same positive post