i have been filling out the insolvency forms online to go bankrupt, and am in the final stages of completing them, however i have just recieved a letter from my failed IVA to say they are starting bankruptcy proceedings in 14 days. My question is, is it better for me to make myself bankrupt or let t...

DFD as i said having been on here and hearing the stories i wasnt confident but they did a sterling job, blackhorse were definate no chancers though by the sound of things!

richard m

no property or assets of any kind really

richard m

Well i just thought id update everyone on my IVA proposal which i was stumbling over as of my total debt of £82k i had £11k with Northern rock and £16k with black horse so things wernt looking good at all. Black horse rejected my proposal of 52p in the pound outright as did Northern rock then howeve...

i was due to have me creditors meeting this morning at 10am, i called as instructed at 10.30 only to find that apparently it has been adjurned till tuesday the 30th by eversheds representing Northern Rock! My total debt is £82k and its working out at 53p in the pound that i am paying back. The lady ...

Does black horse always vote no and do they vote in all instances

richard m

what is SIVA sorry im still knew to all this! So should i still go ahead and hope that i get lucky

richard m

sorry the car is worth around £11k but i had negative equity from my original car hence difference

richard m

These are the initial figures! I was hopeful when i started the process but having read some of the reports i am not at all now, my intention was to sell the car anyway as i originally thought it was a HP deal Nat west £24k HSBC £18500 First Direct £4k Black Horse £17k Northern Rock £11k 4 Credit Ca...

Just a quick question has anyone actually had northern rock or blackhorse vote yes to an IVA? i have £78 000 of which £11k is N/R and £18 000 is Blackhorse ive been told they will both vote no if this is the case i may aswell start BR proceedings now rather than wait for them to see if they will acc...

I will do although im not feeling very confident now, better start looking into BR as a back up! Its odd that Lloyds are receptive and black horse are not, i know they are separate companies but part of the same group just sounds like a strange situation. It bad on the part of black horse as they ac...

They seem reasonably confident from what they are telling me, especially as i will have something after selling the car to put into the pot straight away, however as they mentioned to me there may be modifications when the meeting does take place, they have said that i am paying 55p in the pound £68...

The car is worth approx £11k, My IP (DFD) have told me that i will need to sell it which is fine as that was my intention anyway, when you say that they should contact Black horse first what do you mean? Does it mean that i should start looking now at BR if Black Horse and Northern Rock are going to...

that doesnt sound too good then, i originally didnt think that i would include this as the finance was for my car, however after looking at the agreement i was told it was a personal loan and could be included. its a little frustrating as last year when i tried to sell the car i was told i couldnt u...