Also i dont see how that makes any difference as it is the type of debt that is the issue, BE say that debt cant be included, others say it can so then they backtrack and say they got it wrong and it can be but then give loads of excuses as to why there is no point adding it.

It's not just your advice that we are going by it is also my solicitor that said the same. Also there is not much else to say about our case, my husbands debts are credit cards and a loan and solicitors bills from the divorce, and lets not forget the lump sum. There's nothing else to say really, he ...

nice dinner?

Your post was still useful as we will look through the paperwork.

My husbands IVA went live in june 10

If it doesn't get rid of her debt then really we are no better off going bankrupt as she will continue to harass us about it.

Cheers, i have heard though the payments are bad and they leave you with nothing, although thats what we have now really. Also the lady from BE who spoke to my husband yesterday said that even with bankruptcy the debt to his ex wouldn't be written off so no idea what to do.

Whats the difference in that first year compared to the next 2?

My husbands credit is wrecked for that long anyway as his IVA is for 6 years thanks to Northan Rock and then its a year after that its off your file i believe.

If he has to pay for 3 years how does he get discharged after a year?

If the ex wife says no (which she will) and all the others say yes then it gets accepted anyway doesn't it?

So with bankruptcy he will still have to pay for 3 years?

What is the court cost? If we go bankrupt would it still be BE handling it?
I know my husband like the idea of an IVA so he would pay more money back as he is a proud man and hates that he was put in this situation.

Well we have absolutely nothing to our names, we live in a rented house and he signed his over to his ex wife.

Trying to complain but at the moment it's falling on deaf ears, have asked for the name of my husbands IP (well he has)but no reply yet.

We haven't missed any payments, just trying to think of a way of getting out of being with BE.

Also if you know it doesn't go back to the start then why ask the question?????