Could my old bank refuse this information as the majority of my debt is with them?

Thx for replies, just one more question
when opening a new bank acc do I have to tell them who i banked with and is it better to set up my own DDs?

Thanks Melanie we are getting all paperwork to gether to send to IP to get process started so fingers crossed we are on the right track.
When and where is the next frugal friends meeting?

Reading some of the messages on the forum re creditors tactics I think it is going to be a bumpy ride!! I have not spoken to my creditors about the proposed IVA, I have not missed any payments to date but have now cancelled DDs so they will be aware. What can I expect? (to be forwarned is to be fore...

Hi Melanie, Andy was excellent and explained it in plain english what IVA is and the whole process involved Hubby is acting like he has won the pools he said he has been trying for ever to make me see I had a problem with spending!!! The comp CAB had recommended were good but as you said used to dea...

Thanks Kallis, I will be keeping logged on!!!

Hello again, thankyou for all your comments and advice. I had a long conversation with Andy Davie who has given me great advice and support. Both my husband and I will be appling for IVAs and I know from the comments on this site that the fun!!! is only just beginning. I appreciate this forum were I...

Thankyou for your advice, The IP are asking for £2-2500 if we have not paid that before the IVA is started they will add 3 months at the end of the 5yrs to pay what ever is outstanding! I have since spoken with Andy Davie who has given me his advice and opinion, it would seem that this is not standa...

Thankyou for responding to my question.
We are in a neg equity of approx £35000. Local CAB is Torquay, and the comp they recommened was Bishop Fleming.

Hi
I have started the process to set up an IVA with a comp CAB recommended, I am in debt 48k not including morgage and 2nd charge is IVA the best way for me to go?

Hi I am new to the site nad hope I am in the right area! I am 48k in debt in my name and husband is 4850, jointly 6500 this is unsecured debt. We have a morgage and 2nd charge, we are in a neg equity situation. I meet with IP on Fri who CAB had recommended who advised us to start an IVA for me not m...