Hello again, Everyone has been so nice, it appears I did go into panic mode last week, although on the upside I have lost weight! I spoke to my IP as suggested and asked them what would happen if I came into inheritance like the house and it seems things wouldn't be as bad as I had originally though...

Thank you so much for all the very kind comments on here, I was at my wits end but the kind comments really have given me a little glimmer of hope at such a traumatic time, thank you Melanie inparticular you really couldn't have said it any better, its all so true. I may be able to live there for a ...

Back again! Me: IVA since Feb 2007, paid in £300 every month to July 2009 when then redundant at 6 months pregnant- a final settlement amount rejected in Sept 2010 so used it to make £200 monthly payments, payments now on hold as cant even afford to eat. Anyway the day I dreaded all my life, my be...

Thank you all for the replies, didnt see them until now due to flakey internet connection, think I will speak to my current company and ask them my possible options again now I am in another pickle 2 months down the line.

Hi there, I posted a couple of months ago about rejection of settlement figure in my current IVA I have since heard about a company who are a registered charity CCCS? apparently they are very helpful and they do not take huge fees, variation fees etc so if I went with these people surely my creditor...

Dear friends, A few days ago I posted a note when at my wits end, I wanted to say a big thank you to everyone who replied, the words of advise and support from so many kind users really helped me in my hour of need, as selfish as it was to mention such morbid thoughts its strange what exhaustion, ba...

Which firm are you with? Hi I was originally with Wilson Philips then last July Grant Thornton took over, they lost all my paperwork and original redundancy letters in the handover, none of my case was communicated properly in the handover and nobody at Gratnt Thornton had any idea I had even asked...

Has your IP gone back to RBS to tell them that you will be going bankrupt if they don't accept the offer? And what exactly are they objecting about if other creditors have accepted? Hi Yes, thats what I dont understand as I know the other options are bancruptcy or the is debt passed back to credito...

kallis3 wrote:

The only paper it goes in is the London Gazette.

Hi there

Ive heard some towns only put it in the London Gazette but not all, unfortuantely our local paper does issue the notices I have checked with the paper recently and also seen them in there

Then return the £7000 and go bankrupt, 12 months done and dusted, no assetts to lose only the misery of being in debt you tried to be reasonable, cannot understand the logic of creditors these days I will consider that now although I was quite willing to pay it off as much as possible as it is my d...

Hi What a pity your full and final was not accepted given your circumstances. Can you post details of any property that you own, the value and outstanding mortgage ? Regards Hi there Thanks for your reply, I have no assets at all, no house, car, not much furniture, no expensive items, husband has n...

MelanieGiles wrote:

Which creditor rejected the offer?

Hi there

It was RBS who rejected the offer, I was under the impression from the IP that they would keep going in with the offer until they accepted.

I have been in an IVA since Feb 07 & paid on time every month until I was made redundant last August whilst 6 months pregnant when I had to take a payment break until my circumstances changed. I have managed to get a lump sum from a relative and offered this to the creditors of which they rejected, ...