Hi there Viki, Andy & Melanie, Thank you so much for your replys, I will phone Money Debt & Credit on Monday to enquire why they did not advise me properly as this was the only joint debt that was taken in to the account when starting the IVA. On a second note concerning this, if my wife and I conti...

Hi All. I wonder if anyone could please help with some advice. I am currently in an IVA and have been for a year now, and I am married, my wife is not part of the IVA. One of my creditors was HSBC and it was for £900 on an overdraft based on a joint current account with my wife, HSBC agreed that thi...