has anyone been rejected for a iva through northern rock, we have and im just wondering if any one else have had problem with them
thanks nicky

hi all i hope someone can help im married with 2 small children were 45k in debt just got rejected for a iva with blair enderbsy 22nd jan we have 8 creditors 7 of which accepted to the iva only northern rock rejected as we owe them 26k we also have a mortage with northern rock which we took out last...

Right, think I've got it clear now: All I have to do is to be * very honest about my debts, * be very thorough in checking out exactly what my living expenses are going to be and stick to them relentlessly * make sure I've fully understood every aspect such as bank accounts, mortgage, liability of p...

Ahh, right, thanks very much for that. I'm OK on that aspect, but I'll add it to the list above as something that must be fully explored beforehand but as this is a new page, I'll add a copy here!

Right, think I've got it clear now: All I have to do is to be * very honest about my debts, * be very thorough in checking out exactly what my living expenses are going to be and stick to them relentlessly * make sure I've fully understood every aspect such as bank accounts, mortgage, liability of p...

Many thanks, ClearDebt - I'm getting there, but still don't quite understand!
If the cited firm take £6,000 where does it come from? If it comes out of the £15,000, the creditors don't get 40% ..

Also, what would happen to the fees should the IVA fail?

Hi .. whoa down a bit.. lots of jargon here..

please could you explain '40% of total realisations' as posted by Matthew Holt??

many thanks in anticipation