Thanks Julie. Very helpful. Thanks everyone. Best of luck to everyone whatever your circumstances. Paul & Boss.

Hi All
Just a last thought, does anyone know how the insolvency service deal with cash in bank in relation to bankruptcy? Are you allowed to have any? Are you allowed to keep any? Appreciate any help. Paul & Boss.

Thanks to Jan, David and Skippy13. Very helpful comments again. Thank you all for helping me to decide what to do and how to do it. Fully recommend that any confused souls should visit here and gain from the wisdom, support and sympathy on offer. Thanks again. Paul & Boss (I know who is in charge in...

Hi Jan & Julie and thank you both very much for your posting and encouragement. I have already started to fill out the forms on line, and hope to be ready with them soon. I am keeping back the IVA payments to pay for our bankruptcies (Both my wife are doing this separately but together, if you see w...

Thanks again for the advice everyone. I did not know that the IVA had to fail before I can petition for bankruptcy, but no matter, I have to do it anyway. I have now missed two IVA payments, so I think I only have to miss one more before I can get the ball rolling. My wife has just been told she wil...

Hi Everyone. Just to refresh, I am in a joint IVA with my wife, but recently got a much better job with a good increase in salary. I am with Debt Free Direct, but was unable to discuss this with an insolvency practitioner because I could not get past the person on the phone. Debt Free Direct initial...

Hi, and thank you once again for the advice. It is my intention to write to DFD. In the meantime, thank you David for saying you would contact them on my behalf, I am grateful for any help towards a resolution. I cannot see how DFD could resolve issues like this without actually speaking to me, but ...

Hi Everyone. I am really bowled over by the speed and quantity of help provided by all of you. Thank you all from the bottom of my heart. Melanie suggests I could challenge DFD in court, but, perhaps like many others, I just want it over and done with. Both my wife and I are quite shy people who are...

Hi Jan (Kallis3) Thank you for your reply. I have just got off the phone with Debt Free Direct, and, basically, they are not interested. I told them I could not possibly afford potentially £800 per month, and that it would mean certain bankruptcy if they made this so. Trouble is, without being agist...

Hi. Thank you for your replies, most informative. My car was valued at £4999 when the IVA started in June 2008, but it is a 4 x 4 so I expect the value has plummeted since. I don't know where to go to find out a current value for it, but I would expect it to be worth over £2500. I have recently star...

Hi Everyone, and thanks for your input. Very much appreciated. The company concerned are Goldsmith Henderson from Leeds, and the £900 is just to aid me through bankruptcy. There plan is to cancel the IVA payments immediately, and use four monthly payments of £225 prior to the bankruptcy to claim the...

I am in an IVA, which is not good for me. I want to go bankrupt, and have been contacted by a company who have offered to do it for me. They want to charge me £900. How can I check to see if they are a creditable company? Or, could I do a bankruptcy self declaration with a chance of getting it right...