I have already contacted solicitor before contacting GT. They said they would request info but probably would not get it and my husband would continue to be persued for the debt. The lady was not very nice and did not seem to give a dam.

Just to let you know someone from GT has replied to my email saying I need to get evidence from Solicitor that the debt is in joint names, so that they can try and add debt to husbands IVA. I told them I do not see why I should be chaing the solicitor surley it is up to GT to do that. A mistake has ...

Thanks for all your support and kind words keep you posted on the outcome. Trying to keep positive x

Forgot to add to this that I feel going bankrupt was now a waste of time. Would have £19,000 written off in my Bankruptcy now only £3,000, Obviously then taking the pressure off high payments in my husbands IVA. His IVA was for total debt of £21,000 returning 20p in the £ at £160.00 per month over r...

Just an update. Had to ring GT just before 5.00pm tonight when I got home from work. Explained situation to someone in customer services department, who said that I needed to get back to Howard Cohen Solictors and ask them for the original agreement which was with HSBC bank to prove that the debt wa...

Thanks Andy, still a bit confussed Sorry! Grant Thornton have obviously made a mistake. When our debts were split my husband had a variation meeting (this debt not included) and it was accepted by all the creditors. If this debt is now got to go back into the IVA does that mean that there will have ...

Thanks for your replies. The company in question has already had some money from Grant thornton, as the money we had paid into the joint IVA I was told would be split between my creditors and my husbands. As I See it now there will have to be another creditors meeting as this now makes my husband de...

According to the company that sent the Notice out they say it is a joint Debt. How come it has not been picked up in the Bankruptcy ?

Hi, Just beginning to feel better about being made Bankrupt on 28th February, when today my husband received a Notice of Pending Legal Action from one of our Debtors for £14421.91 which is the largest debt. We had our IVA split my husband was to carry on with his debts on a lower monthly payment, an...

forgot to add when I came off the phone I just wanted to cry partly relief and the other part how nicely I had been treated, at court and by official receiver, did not make me feel like I had done something really bad.

Hi, just an update had call from official receiver today. He was so nice. He thanked me for the explaination I had given for my debt situation which goes back to 2005. It gave him a good idea of my life over the last 6 years. He asked a couple of questions which I answered, and at the end of the con...

Thanks all for your kind comments. with regards to my car situation. I live in the middle of a small village. It is a mile up our lane to get to the house, and the only buses are school buses for my eldest daughter, and the other one I have to take to school, which is another two miles. I appreciate...

Phew! it's finally over, after all the problems we had during our IVA, I finally went Bankrupt today. I was a lot calmer than I thought I would be as I have been suffering from depression anxiety and panic attacks, but luckily the medication is working its magic. A couple of months ago I would not b...

Hi, I have a court date of 28th February for my Bankruptcy. I have finally decided to take the plunge, although as time gets nearer getting more anxous about it. I have filled out my forms including income and expenditure. The reason my IVA is failing is because I have had constant car bills, costin...

Hi, I have been talking to my friend today to try and offer her some advice. She is £50.000 in debt, but has £150.000 equity in her house. She is living on credit cards for her shopping and petrol. I suggested an IVA but bit unsure about the equity. I rent so I do not know this side of things. As fa...