Thank you so much for your kind support and good advice

Hi We have all been there and some still there, the letters are aweful and sometimes you think, what sort of person could write these things. Good luck with your IVA a bit of acvice don't go with Synergi, they are the most unprofessional company ever, we had our IVA rejected, not there fault I know ...

Going BR on 7th April, reading forms it tells you that your Bank accounts will be frozen, but not to open any more. We are currently with the Alliance and Leices, only have the basic acount no cheque gurantee card or overdraft, and no debts owing to them. Will going BR effect this account, we both h...

We have our BR meeting on 7th April, have received the forms but need a bit of advice please, on the very first page it asks for your BR number, we haven't been given this number, should be have, also we are both going for BR how do we split down the expenditure as we have always split everything 50...

Hi Inform any creditor that contacts you that you are declaring bankruptcy in a few weeks.If you have no court action at present[county court judgements] then by the time any is started now you will be bankrupt by the time that they could get a court order for bailiffs to attend. You will not have ...

Thank you so much for all of your kind words, I know that things will get beter, I don't think they can get any worse. Reading this forum has given me so much hope. I think I will book us into the court for 6 weeks time, I am sure we will ge the money by then and Like Melanie says I don't want to de...

Hi All Last week we were ejected for IVA and now going BR, need to try and get the money together as 2 x 485 is a lot of money to find when you don't have any. What happens inbetween, what do I tell by creditors, it will probably been about 6 weeks before we can get the money together and I am scare...

Kadge, have you paid any more money to Synergi other than the payment of £604? Did they say whether you would get the money back if the IVA wasn't accepted? They has said that they are looking into seeing if I will get anything refunded, but I am not holding out any hope, they took the money 9 days...

Hi All Anyone been through BR recently, just had the IVA rjected and now going to go down the BR route, not an easy option but don't feel like I can carry on like this anymore, life is just all about debt and hasbeen for the past few years. Have very littl equity house worth about 94k mortgage 72k s...

Well Done You, it must have been really difficult, we are just about to go down the same route, need to phone the court tomorrow, did you have to pay a fee for each of you, as this seems a lot of money when you don't have any, if you know what I mean, how did the expenditure go, do they allow you en...

hi am just in the proseeds of an iva but am so worried on hpw much i will have 2 pay each month am starting 2 think bankuptcy will be my best optsion Hi Shell Good luck with your IVA and I really hope that they leave you more to live on than they did us, we are a family of 3 the child being 16 so h...

Ask your IP to ask MBNA why they have rejected your case in view of the recent acceptance of the IVA Protocol. There is a procedure for reporting occurances like this to the BBA but this does not mean that MBNA will change their minds. As the IVA was rejected and we have decided to go for BR will w...

REJECTED today due to MBNA have been advised to go BR, very scary but it seems the only option. We have been going through the IVA for 4 months now from start to finish and it feels like I can't take anymore, I am gutted that it was rejected

Had my IVA creditors meeting today and it was rejected due to MBNA rejecting and it took me over the vote by 4% and I am gutted, been advised to file for BR but this sounds so scary but does seem the only option, does anyone know what happens, we have very little equity in our property after a secur...

Mine is tomorrow and I am so worried, what if they ask for more money, they have already left us virtually nothing at all to live on.