I know what you mean about a great credit record! Lloyds offered me another £3k on my business overdraft yesterday! I refused of course but it would have been so easy to say yes.

No not in an IVA yet. I think I'll open another account just in case. They may not spot it as we don't have our personal accounts with them but I don't want to take the risk.

Thanks for the advice guys!

I am self employed running a small business (as a partnership with OH and 4 staff) having business and current accounts, overdrafts and a loan with Lloyds. When I first started looking into proposing an IVA I realised I would need to set up new business and personal accounts. I chose HSBC for the bu...

I am sure that if you came forward and volunteered the info to HMRC they would look at it far more favourably than if you left it until you were caught. I would have thought prison extremely unlikely if you did this. I would suggest that you make the decision to deal with the problem whatever the co...

Thanks. You've put my mind at rest.

Thanks. It was more a case of being embarrassed about my business banking manager (Lloyds TSB) with whom I have a pleasant rapport with seeing the details and being surprised about it. But maybe he wouldn't get to see the proposal personally anyway. At present we are up to date with everything, no D...

I have instructed an IP to set up an IVA for me but for various reasons they won't be able to start putting it together until December. I wondered if anyone could tell me if when a proposal is distributed to the creditors do they get to see a full list of who the other creditors are and how much? Or...