Thank you that is what I had thought, just wanted expert opnion.

Yes back in 2004. However big battle over amount resulted in court case which I won. Attachment earnings order was granted (suspended) which I have been paying for a year. It is just that along with other debts there appears to be no end in sight.

I have a suspended attachments of earnngs re a mortgage short fall. Can this be included in an IVA.

Melanie having just read your blog I believe congratulations are in order. Also a small matter on a personal front went well yesterday (I did have to read the article twice) it just shows patience and perseverence are two very useful attributes.

Soulgrowth I agree completely even more so as I have a family to consider. The problem is that I just worry that I might wish I had pursued it when I look back in later life. You see if I can reduce it vastly then a DMP might be an option. I really want an IVA but it means accepting this debt which ...

No luckily we have no other assets. Which might make the risk of a court case not so serious because the legal fees wont make any difference to our situation ie we have nothing to lose. If we can get rid of this debt or serious reduce it then we can arrange dmp. I dont know hoew much of a weapon our...

£62,000 which includes £20,000 erc and repayment arrears prior to repossession. The house was not built correctly shortly after moving in to our dream home we were living in the local hotel with two children. Moved back to home but still wasnt right. When we had an ariel installed there was no loft ...

Wednesdays hearing was just to fill a form in in front of a court officer. We are renting with no assests. The Mortgage company just summonsed us out of the blue. A letter querying the charges last year went unanswered and their last letter said they might take legal action in Feb about the so calle...

I thought Pride Park was a ground share with Notts County!

In reality once the bankruptcy is over or the IVA completed which makes it easier to obtain a mortgage. In credit terms does which course you took affect future mortgage chances.

I expect you have to pay tax on it!

It is a repossesion from 2005 the property sale cleared the advance. However there are charges,interest and even an ERC. I challenged these charges but of course they didnt reply. In Feb they wrote to me and I said I am seeking advice. Heard nothing knock on door in July served with summons for asse...

AN asset hearing is where a creditor orders you to court to see if you have assets and what you earn. They then decide on their next step. Family matters in court are held behind closed doors. How if you are having your house repossessed at court are you supposed to deal with a solictor from the oth...

Having been to an asset hearing yesterday morning it is so evident that the entire system needs reviewing. There was no duty solictor staff were helpful but unable to advise obviously. Debt is a social problem and needs addressing accordingly. There should be a statuatory process. For instance a spe...

On Monday my 16 year old set off for sixth form college. I can remember rushing home from work to meet him as a 4 year old from his first day at primary school!