Hiya, I've been to see CAB and they were helpful, although I cannot enter an IVA or go bankrupt. They are going to work out a payment plan for me. They were also able to find ot that one of my debts had 2 companies chasing it, so my actual debt is approx £29000. I am now concerned about whether my c...

Hi Melanie, Many thanks for that, everyone I have spoken to so far told me it didn't exist! Hopefully CAB will be able to give me some advice tomorrow, or atleast point me in the direction of someone that can assist me.

Thanks again

Hi Melanie, Bankruptcy does'nt exist in Guernsey, and I've been told by a few people that you can't do an IVA either. I have an appointment with CAB tomorrow morning, but I just need to know my options.

Thanks

Hi Melanie, No I have been living in Guernsey for nearly 8 years.

Thanks

I am also wondering about bankruptcy in the uk, but I on't know how that would work when I don't live there. I am on my own with this and suffer badly with depression, which is getting worse. Can anyone tell me what help is available to me if I have to go to court, as I am not strong enough to do it...

Hiya, thank you for your kind words of support. All but one debt is uk based, the local one is only here because a local advocate is collecting it. In total it is about £46000 to Metrapolitan Collections - HSBC, Babbe (local advocate), Triton, MBNA, Studio, Additions, Co-Op Visa. My take home is £11...

Hi, thanks for at least reading my post. I am terrified of what could happen to me. I just don't know what to do, I thought my debts were being dealt with as I went to a debt management company, but they have grown even more.

Please can someone advise me if I can enter into an IVA when I live in Guernsey Channel Islands?

THanks