dont get it

[Niobe]

I'm very surprised Gareth as your credit rating is still going to be shot and the IVA will stay on there for six years from the start regardless of the fact that you have failed - in fact it probably will state on your record that it has failed.

[gavin]

Credit file not showing iva or any of the pre iva debits

[Niobe]

Again - I'm very surprised but I still think it will rear its ugly head in the future.

[gavin]

I dont no what to do do i keep my head down and say and do nothik or do i phone them all

[Shining]

Are you near to having the required amount for your bankruptcy Gavin? If you're almost there it's worth leaving it and then declaring bankruptcy.x

[gavin]

No but star work mid of jan so will have it end of feb

[Foggy]

If you intend going BR, Gavin, I would keep my head down and save for the fees in the hopes that you get the money together before the creditors take an interest.

[Shining]

I would avoid a loan at all costs and once you commence work save for the bankruptcy fee and get it over and done with once and for all and look forward to a new start in the New Year x

[gavin]

Ok thank u all

[Niobe]

Whatever you do, don't take out another loan if you are going for bankruptcy as it is technically fraud as you have no intention or means of paying the loan off and the OR will not be impressed.

[gavin]

Not going to i will naver borow money agen