Hi all, I work in a posh restaurant, but my area of 'expertise' is dressmaking! If you need to know about food, drink or wine or even how to make a corset I'm your girl!
Don't know a thing about spreadsheets though!

Hi Melanie, DFD sent me an annual report to my creditors which stated on there that the IVA was in arrears, but said nothing about us having gone bankrupt? I passed this on to the OR last week. DFD know we have gone bankrupt, but have sent nothing to say they have ceased to act. They said it could b...

Hi, I've just had a letter from the OR asking for 'receipts and payments regarding your failed IVA'. Well I sent them all the paperwork I had regarding the IVA so I'm not sure what they need? I also assumed they would contact DFD for anything they needed? Not if I need to contact DFD and ask them fo...

Hi Chardonnay, I've been off the froum for a bit and didn't realise you'd gone bankrupt now! Well done for doing it! I'm sure it wasn't as bad as you thought it would be and I'm sure the OR interview will be fine as well! The OR is human and I found mine to be very fair and friendly. Just found out ...

Hi, we are with BT and were in an IVA when we moved house and changed from Virgin to them. We have phone and broadband and had no problems with credit check. They never even mentioned anything. I have found them ok, no probs with the broadband, but they sold us BT Vision when they shouldn't have as ...

Hi Jan, thanks. I really hope it does too! I don't fancy going to the dentist and I really don't want to pay a fortune for the pleasure!
x

Hi everyone! Well it's been a couple of weeks now since the bankruptcy and we sent back all our paperwork yesterday to the OR - it was like two books with all the IVA paperwork in it! I'm glad they pay the postage! Will hopefully hear from them soon if there are any probs! Hubbies car failed it's mo...

Hi Chardonnay, sorry to hear your not too well! Hope it gets sorted! Just wanted to add don't stress about the Bankruptcy, as I said before it's not that bad! I don't know about BI though as we rent, but I'm sure it will be fine! You will feel relieved after! Good luck for 1st May and have fun this ...

Hiya, I had a similar problem a while back with Smile, but they wanted to charge me around £120 for some small transactions my hubby made by mistake, thinking we had the cash in the account. I think each transaction was made online for about £5-£10 each! I spent 2 days on the phone complaining and f...

Hi everyone! Thanks for your kind comments. I am now looking forward to actually having money to save! Chardonnay - it will be fine! I think I cope by just thinking of the positives! Good luck again!

Had our interviews today with the OR and it was fine! They did got quite far back though! Even to when we sold our flat in 2003 before we got into debt! Was surprised that they wanted all details for this! Looks like we will get to keep our cars as both needed for work and not worth much and also lo...

OR interviews are tomorrow!! Sounds like a nice lady! Not too nervous now!

Good luck Chardonnay. It took a lot of thought but we did it and I am positive it was the right thing. Hubby still doesn't have full time work and to be honest we are having a better quality of life now regarding time spent together and not scrimping and scraping in an IVA, which is what the last 3 ...

Thanks everyone!

Just thought I'd let all who have helped me with advise that we petitioned for bankruptcy this morning and all went well! Had my letter from DFD stating they had no objection to us petitioning, but no one even ased for it! The Judge just wanted to know if there was definately no way we could carry o...