Hi Everyone and many thanks for your encouragement and support. I'm going to the CAB today - just got to hope I can see someone - I've been turned away twice as they were too busy!!
Wish me luck,
Chardonnay

Sounds lovely,
Hope you all have a fantastic time,
Chardonnay

Jane.I,
How come you changed to bankruptcy? Was that easy and what led you to change? I ask because I'm now wavering - I am more confused after acceptance of my IVA than ever. If you see my other posts you may understand...
Thanks,
Chardonnay

Oh Ian, Forgot to add that records at company house have been falsified - they put down that Keith resigned before his death and he appointed his son's as directors - I know that was false, he was stilll running the company when he died and I have paper work that proves it. He ordered stationary at ...

Dear Ian, Thank you for your post - I don't understand Keith died before I knew anything about his debt problems - was he declared insolvent postumusly? The financial director was the one who apparently told Keith I should have the cars in my name and refused to change them when I wanted out due to ...

Thanks Kirsty, Merlot sounds good to me - I can't afford Chardonnay any more, but for a treat I've found Country Manor - "Fine English Perry", 7.5%vol and only £4.17 for 3 litres at Asda!! I can imagine it's the real thing. I can only hope things get better - mind you every time I think that someone...

In case anyone is wondering I just completed my profile and decided to name myself after my favourite tipple - it's also my ebay name which I've been using to try and sell just about everything I own to raise money to live on!!This way I can also imagine I can afford the odd glass of vino!! Hence Ch...

Hi Everyone and thank you - you've been so nice and welcomming I'm in tears again - that happens a lot at the mo! I'm with Blair Endesby (Baines & Ernst)they say the house has to go in the first 6 months to clear the mortgage and a secured loan - I can understand that as it will hopefully free-up £2...

Hi Everyone, I'm new to the site but can't say how much it is helping already to know there are others out there in a similar position to me. I have always had credit and coped well with the repayments however last April my Fiancee suddenly died from a massive heart attack and I began to sink. I had...

The IVA company told me at the start - I have 6 months to give back the mercedes and get a new car.

I need to get a car in order to kep my job, but I keep getting refused because of my IVA. I currently have a car withMercedes but I've been told it is too expensive and it has to go back. Can anyone help?