Thankyou for your answers. To answer your questions coco I have a basic (I think) account with Halifax no overdarft facility, but I do have a cheque book and a debit card -Visa Electron. The thing is Halifax is one of my Creditors although that is for a Credit Card. I obviously do not want them to f...

I am trying to complete the BR 30 page form on the Insolvency site and there is a question that I am not sure how to answer so would appreciate help. The question is regarding bank accounts in the last 2 years, I have a bank account at the moment which I understand I should close before attending co...

Thank you for all your answers, we have decided that we are both going to go BR without the help of 'Stop the Worry'. This company by the way rang me and said I had contacted them sometime ago about my IVA, I couldn't remember doing so but have had so many conversations about debt and IVA that I ass...

My husband and I both have a lot of debt. I am in an IVA and the supervisor has suggested I consider bankruptcy as our expenditure exceeds our income by several hundred. A rep from Stop the Worry came to see us yesterday and they can 'hold our hands' through bankruptcy for both of us for £2000 plus ...