Thankyou,that's put my mind at rest.
Sorry to be a bore but what sort of timescale can i expect before i'm before the beak!to to speak.

thanks i hope you're right!
I reckon i could afford 100 a month just wanted to know that they'd accept that amount.

I didn't word my post too well.What i meant to say was would they accept 100 pounds a month if that's what i could afford or would they still send the removal van round!!

I'm not in that position where i've got more going out/coming in just surprised at what you said but looking at it logically i can see your/their point. As it looks like i'll be going to court what would RBS be expecting me to pay a month on the 6,800 debt? In other words what would be the minimum i...

thankyou people for your time but did i read that last sentence correctly ie if i've got more going out than coming in they'll expect me to pay 6,800 in full,how can you possibly do that and in my case you can't what's the next scenario's for example can the courts order bailiffs to my home and take...

Hello good people,i'm after some advice! Right,i owe RBS 6,800 pounds,they have used Triton debt collectors to recover their money where they wouldn't accept anything less than 300 pound a month repayment which i couldn't afford. The situation now is that i've received a letter from Triton's solcito...

So can they take his house off him despite him not being in the Country?

A friend of mine who his living abroad rents his house out here but he's been issued with a non compliance order so is being made bankrupt.The question he's asking is he's been told that if they can't physically issue the court summons they can't take him to court,is that true,if not anybody know th...

If i enter a re-payment plan with my creditors can i at a later date go for a IVA? Also Barclaycard are giving me alot of grief,saying that they'll give my debt to local collectors who can come to my door and talk!about my debt,is that right because the last thing i want is people at my home. thanky...

If i enter a re-payment plan with my creditors can i at a later date go for a IVA? Also Barclaycard are giving me alot of grief,saying that they'll give my debt to local collectors who can come to my door and talk!about my debt,is that right because the last thing i want is people at my home. thanky...

I have filled in the wizard "do you qualify for an IVA" and it as responded with "bankrupcy" being the best option because quote "Your disposable income is not high enough to support IVA repayments".My disposable income is 200 pound a month with a debt of 19K!(not a home owner) So what i like/need t...

Sorry,i didn't word my question very well.
Yes i know about me being accurate with my yearly figures to my accountant but with me only having 200 pounds a month spare for creditors then with a annual tax bill on top then an IVA will surely get refused.
thanks again.

Back again! Right people,what's the timescale from me getting in touch with an IP and decision with creditors? Does an IP get in touch with my creditors and do they stop chasing me up which in my case includes the inland revenue. Talking of inland revenue with me being self employed won't i have to ...

Thankyou people for your input.
I'm going to my local citizens advice bureau for further consultation.
Thanks again,no doubt i'll be back to bend your ears some more!

I can afford to pay upto 200 over a 5yr period.As for property,i rent,would that hinder a IVA process from fruition. Also would a IVA involve taking household furniture or vehicles away? What is the fee i would be charged for the process? Do you get charged if it's unsuccessful? I appologise for all...