Ok thanks not sure what to do as will have to sort out bankruptcy asap

credit fix

Sorry I seem to have got 2 user names

It is still on register, but we have not paid into it since we told them we couldnt afford it last June. We have had no hassle from any creditors or any contact from our iva company

Hi all our IVA has failed and we have been waiting for our certificate but it has nearly been a year???? Does it normally take this long

do i just divide the money we have left then ring them and tell what we can afford it won`t work out much

hi we had our iva rejected back along and another ip has kindly agreed to look at our case i am getting really worried about everything i have not been paying anyone cos we don`t have the money. i am assuming the iva route is probably not going to be possible but while we are waiting to find out sho...

hello there we have a together mortgage with northern rock and tried to get an iva. the unsecured element can be put in an iva if they accept your proposal they rejected ours[:(!]

sorry to moan but i just need to get this of my chest can anyone just reasure me there is light at the end of this tunnel of gloom. i feel so depressed and fed up i feel like just getting away and never coming back i think with the kids going back to school it has given me time to think and i have c...

hi
our iva was rejected and we are still in limbo with what to do, but i have a creditor calling my work every day at least twice very embarrassing chasing us its a nightmare

As you know Meash i too was rejected by nr they have said the same to us. They think it is ok for us to have a debt management plan for around 15 years still be in negative equity in our house and still only be on interest only. What a nightmare i know we only have ourselves to blame but we have hel...

Thankyou so much for all the support you have all given us.
And thanks swans_girl i have taken your advice

Hi everyone i have spoken to our ip and basically they said they refused it because of the length of time we have left on our together mortgage 21 years and they didn`t think we were over indebted even though we owe £133000 on our mortgage (house only worth 135000 now) £29000 together loan and about...

i don`t know yet because nobody has rung me back
but they have told me that i can leave nr out of the plan and carry on paying them as normal is that right

Thanks for the replys
my husband is not keen on going bankrupct i would rather go bankrupct as at least it won`t give nr a chance to put a charge on the house because if they do i can`t put that in an iva