no not yet gateshead cc does not open till 10am just in a total panic at moment

advice please. I have received a final charging order for a debt with my creditors from my local court which is bad but it is for what i owe the creditor. But now i have received a second final charging order again quoting all my details and case number from a different county cour charging my house...

this is what i would like to try but every one i approached kept try to include nr or offer a dmp which is not working taking nr out of the equation now i will have court ordered installments and a final charging order hearing i would have 411 available each month to pay total other debts of 46k non...

sorry it's been a bad day. and am quite depressed. what i would like to know is since i seem unable to propose an iva and the likly hood is a final charging even if i fight it, so i think br is looming, is it possible to sell and rent back so at least my elderly sick parents have a home. the house i...

bad day to day was my redetermination hearing at which i hoped to get installments and an end to nr's charging order. they sent solicitor from london and it ended with an installment order but also permission for final charging order hearing at beginning of jan so we could still loose our family hou...

bad day to day was my redetermination hearing at which i hoped to get installments and an end to nr's charging order. they sent solicitor from london and it ended with an installment order but also permission for final charging order hearing at beginning of jan so we could still loose our family hou...

The Court will have regard for your ongoing payments to Northern Rock, which are likely to be based upon a proportionate basis in line with the amounts you owe to other creditors and the disposable income you have available. The fact that your house will be fully secured to Northern Rock does not a...

That certainly fits IVA criteria, if you choose to pursue such route. The creditors you have listed are generally supportive of IVA proposals, and you ought to be able to offer a dividend of approximately 37p in the £ which ought to be acceptable. Regards, Melanie Giles, Insolvency Practitioner for...

Can you list your creditors showing how much each is owed including Northern Rock (for any amount of the debt that you do not think is covered by the charging order)? Nothing further owed to nr all covered by intrum order awaiting court date for final order hearing. taking nr out amount owed barcla...

Hello too much debt On those basic figures an IVA may well work and, although I cannot say too much about it, I'm pleased to say that I have detected a positive change in NR's policy to IVA's in the last few days which may not be entirely unrelated to their own problems. Whilst I am by no means sug...

Hello too much debt On those basic figures an IVA may well work and, although I cannot say too much about it, I'm pleased to say that I have detected a positive change in NR's policy to IVA's in the last few days which may not be entirely unrelated to their own problems. Whilst I am by no means sug...

Hi Now that you say NR are your main creditor I can see why you have a charging order pending .NR really do seem to have a bad debt policy that doesn't include IVAs and have repeatedly denied people an alternative to bankruptcy,the IVA by refusing IVAs point blank and securing the debt.In your case...

These days, as Andy says, DMPs are rarely a sensible solution for property owners with equity, as a lot of creditors would prefer to secure their debt firstly by taking out Charging Orders. You will then have to arrange to make ongoing payments to the creditor, but if you want to sell or re-mortgag...

Welcome to the Forum toomuchdebt, Could you please supply some more information like how much debt you are in? who your creditors are? and what your disposable income is (monthly income minus living expenses)? We can advise further with the above information. Best Regards, IVA Experts i owe about 7...

Welcome to the Forum toomuchdebt, Could you please supply some more information like how much debt you are in? who your creditors are? and what your disposable income is (monthly income minus living expenses)? We can advise further with the above information. Best Regards, IVA Experts http://www.iv...