I was just wondering whether bankruptcy can be refused ?
Thtas probably a really silly question.. sorry got my hearing on the 24th and want to be fully prepared etc

Tanya

Yes Kallis i can do without there bullying , x24th June cant come quick enough!!

Thanks for that Molly and Paul , this site has proved invaluable to us both

Tanya

My partner and i are both going BR on 24th June and obviously at the moment we are recieving hate mail (from our creditors) as we have not been paying these for 2 months due to initially looking into the IVA option... this leads me to the question do i tell our creditors that we are going bankrupt a...

I will also post this in the BR section but just wondered if anyone had any advice My partner and i are both going BR on 24th June and obviously at the moment we are recieving hate mail (from our creditors) as we have not been paying these for 2 months due to initially looking into the IVA option......

Just tp keep you all in the picture, following a conversation with Melanies office today we have decided the best option for us is to go Brankrupt, meaning a end to the horrible mess we are in! We are going up to the court tomorrow to collect the forms etc I wish all of you much luck with your finac...

Hi Kallis
We sold our home in March as our mortgage was with NR we know live in a rented property . Wepaid off our secured borrowing to NR but kept on an unsecured

I think i will give hywel a call now

Thank you

At the moment we are in the hands of Melanies Team (who have been great) we are waiting for the proposal to come through but have been given a rough figure for our IVA of £610 a month if accepted by the creditors.. Now the problem is as the weeks have gone by we just havent seen a real difference it...

Glen

We are offering Approx 59p in the £ , i havent recieved proposal yet . I wish you luck on Tuesda and hope NR say a big fat YES to you!

Tanya

Just read on another post from Melanie that NR have given the green light to go ahead with our IVA, no i know this doesnt mean we have an IVA as our other creditors will need to vote but i feel so relieved that NR haven't given a straight out NO. We were so scared they would. We have been in such a ...

Wow only just read this , thanks so much Melanie... i feel we are one step closer .... this means so much to both of us , were so happy ... Thank you

Tanya xx

Good Luck to you Kazzy and Cath im sure you will get the response you want

Hi Kazzy Only just logged on after a few days with no computer, i just wanted to say Well Done on getting your new account sorted and also that i am in the same boat as you and many others, NR are mine and my partners main creditor and Melanie is also approaching them first, i believe letters have a...

My mobile is a pay as you go with Tesco so will maybe get it unblocked as do have an old PAYG Sim somewhere.... also was thinking of getting home calls rediected ot mobile like you Debbie that way i know whos ringing

Tanya

Thanks peeps

Reading through your replys i have begun to feel more hopeful than NR may accept our IVA. It appears many of us are in the same boat with NR.

Melanie, i read so many positive thoughts on you and am so glad we went with you , mymindis now that little bit lighter

Tanya

We are still in the proposal stage of our iva application but are getting so worried as My main creditor is Northern Rock and northern Rock is 50% of DP's. We are with Melaie and know from reading the posts and dealing with her team that she will do her best for us but we feel so drowned with our de...