That's absolutely disgusting can't believe they'd just discuss an issue like this in front of everyone

Yes kallis the bank were very understanding as we're Halifax when I went to ask why joint account had been closed they even said you should of come to see us first (but so long as you paid mortgage sod the rest) their words lol

Well think my IP needs a quite word as had to speak to barclaycard today to explain I was in a iva but it was to an overseas call centre so maybe they haven't had the news yet lol

Thanks for that kallis I shall go down after my brekkie still can't believe it's all real and mine and my family's life will be hard but fingers crossed we'll get through the nxt 6 yrs and be free

There is an overdraft available but I'm not into it thank God unlike halifax

I didn't think the joint account would of been included tho as it is only myself in the iva not both of us I just hope barclays don't do the same might go pop in and see them.

My only concern now is that 1 of my other creditors is barclaycard and that's who I'm using for my new account as had it with them for years and just swapped my direct debits over to them but could they possibly close my current account along with my credit card account like Halifax did???

Well things are looking ok had 1 creditor letter from mbna accepting I have an issue and closed my account, Halifax have closed my credit account and joint bank account so Mrs bit miffed now she has to open a new account (ooops) just waiting for revised terms and letters from other creditors if they...

Thank you for your support guys I'll keep you all updated as I get my life back together

Well got the msg from credit fix that my creditors have accepted my IVA proposal just need to wait till I get home from Holland (beautiful weather) to see what their revised terms are (apparently just admin related) wish me luck on my journey ppl

Unfortunately they will inform your wife if you have any joint accounts/assets so it's probably better to own up I did and to say the least she was very supportive I thought I'd lose my girlfriend too but she is standing by me and helping me through this.

Enjoy Michael and thanks again for your great advice will keep you updated with how I get on should know when I return from Holland

Also have a great time on your holibobs

Afternoon Michael I was just wondering if you successfully received my proposal that I sent last night.
Anthony

Thank you all for your advise it is a huge weight lifted getting this sorted