Hi Melanie, I dare not say i am having a giggle at the system because i dont want to come across as sticking two fingers up at the IVA route, because i know this has been fantastic for so many people used correctly. It must make you feel so good after completing the 5 years. Maybe if i had come acro...

Hi Catullus,

Cheers for kind words. You are very welcome to use my post. I wont claim copyrights (because i dont know how to!!)

I was helped so much by this forum so any help i can give out is a pleasure.

Hi Jhonnie, I was in an IVA and paid 15 installments (started at £357) and my last one i paid was £419. I too was in a terrible mess and desperate when i started and i filled in the I&E with inaccurate amounts (as i was told this would ensure the IVA was accepted). It was this that ultimately made t...

Hi Skippy, I've just applied for the Cashplus Prepai Gold Mastercard and this was £16.95 in total for the issue fee and first monthly charge. Seemed quite expensive but i think the card would be excellent for myself. The only thing is, i cant see if there is a regular monthly charge (the first month...

Hi Mish, How bizarre. I received exactly the same letter today from the Halifax saying they received information from the London Gazette regarding my Bankruptcy and i too need to clear my account. I have never had a bank account with the Halifax, only a credit card, so not sure what fund can be rele...

Hi Storm & Fudge,

Many thanks to you both for your quick and helpful replies. Much appreciated.

Hi there, Just a quick question i'm hoping the experts can answer. A work colleague of mine has a joint mortgage with her partner who is in an IVA (about a year into it). She has never been in debt or owed any money but has just applied for a new credit card in her own name (she only has her own ban...

Thanks very much Melanie, Skippy and and AndyDavie for all your help and advice. Much appreciated.

Hi Melanie, Thanks for reply and i'ts ok, i havn't taken it personally. I fully understand what you are saying and i had made 15 payments in my IVA before i took the very difficult descision to file for bankruptcy but unfortunately, as i have posted before, i had been told to put down certain amount...

Hi all, I posted here last week regarding a letter received in my Bankruptcy pack to say that i would not need a telephone interview as all the details i had provided in court and via the on-line forms and my payslips/bank statements/loan agreements etc were all in order. Well, today i received a ca...

Hi Melanie,

The OR's office is in Hull.

Hi all, Just a quick update after receiving my BR package on tuesday. I have now sent all my payslips, bank statements, loan & credit card statements (those which i could find anyway as i shredded most) back to the OR. I was informed in the letter from the OR that after all the info i had supplied i...

Thanks very much Skippy.

It will be a relief when i know how much i'm paying and when i start. How long after your court hearing did it take before your first payment was made? Thanks

Hi melanie, Thanks for quick reply. I'll dig out my P60. The letter from the OR did seem surprising and i'll call her in the morning to see if i have missed something. I have not heard of anyone from this forum who hasn't had some kind of communication with their OR to at least sort out their monthl...

Hi there, I have just received a package today after declaring myself bankrupt last wednesday(25th July). This i presume is the normal paperwork and leaflets that are sent out. I am just completing the bits i need to before sending these back to the OR. I have completed a form NTB2 that basically is...