hi, my iva was finally accepted yesturday. feel the weight has lifted already. huge thanks to melanie, sue, hywell, tina, samantha and co and to everyone on here for their continued support and advice xx[:D]

thanks for all the supportive messages, appreciate them. yes still had a great xmas- hope everyone else did too, i will keep you posted

hello, i had my creditors meeting today. all voted to accept except mbna- no big shock they said no but barclaycard said they always sell debts onto an agency but for some unknown reason they havent done this with mine yet so decided they would try and do this today but with everyone working only up...

Hi Melanie, ive just been speaking with Sue who is really lovely. She advised that I make the first payment when i send back proposal but I forgot to ask who I make the cheque payable to? many thanks Rochelle

my heads all over the place at the moment, i now am swaying much mroe back towards continuing with iva, i really dont want to rik losing any posesions and car etc and it feels much more structured and less scarey. hope no one feels ive wasted their time with this post- i needed to ask those question...

ive just looked on auto trader and my cars actually probably only worth £1000 wiht the economy as it is. bit gutted as i paid £1700 a year ago but never mind.

would they know i only work 10 mins away if i didnt actually say it- they would obv have both post codes but that prob wouldnt mean much to them and as some people said i wouldnt be lying saying i use it for work as i do use it most of the time.

thanks everyone

thanks for advice everyone. oh this could sway it love my little car. what if i just said yes i need for work full stop! dont know how much they look into it. i could say i use it for meetings etc do they check? or is that illegal to say exagerate? dont really like not knowing all this before its de...

hello, i live close to where i work- approx 10 mins walk but chose to drive as i have to cross busy road. if i were to go bankrupt would the or say i dont nee dit and to walk? so i would lose it? its 11 yr old £1500 value aprox. in the summer i do sometimes choose to walk and as its the only working...

you are my IP Melanie, would i call you or tina? was thinking of calling reviva aswell? my heads all over the place at the mo, was so sure i wanted to do iva but now im not- need a psychic to tell me what to do lol

thanks skippy that helps, has a quick look at your blog and it seems you ahve to list similar things to what you would in iva. do you know where on internet i would find the online br forms to have a look at? how long do they take to complete usually? if you court does the drop in option does the br...

if i did decide on br would they need all the paperwork eg bank statments wgae slips etc- these have all been sent for iva application would i need to ask for these back? also do the same sort of things as iva go into the expenditure? does the or moniter everything you spend or would it be like iva ...

thanks. just to check if i did decide on br rather than iva would the courts frown upon it as didnt complete trying for iva or does it make no difference?

thanks James. i have no real assets so thats what im thinking- its a shorter time and seems like youd pay less each month. just very confused at the moment and before anything is finalised i want to make sure im 100% happy with it. but then iva is not as extreme and its good to try and pya back as m...

thanks Melanie, my tv and sofa were brought fully on my credit card then my partner paid his half to me in cash. re iva proceedings- if i changed my mind and decided to go bankcrpt instead (only as a possibility not deff doing it) what would happen as company have all paperwork and have started work...