Good point, my problem is that as i have got one creditor i cannot get an iva, i cannot go bankrupt as when i got the loan i exagerated my salary, i am told that if i went bankrupt the official receiver could look back at the application and contact my old employees to varify my salary, if they did ...

hi, why is it that someone can go missing and then asfter so many years get it wiped off.a friend of mine racked up debts of £70k and just ignored letters and his partner just said that they had split up and well 7 years later, he just laughs and is completely free of debt. is it true that after 6 y...

Well, im going to ring the courts on monday morning to request the hearing. can anybody tell me what happens after the judge declares you BR.i read somewhere that you get a pack from the OR and they require statements etc, but i do not have any of that info and if the account is frozen how can you g...

no cover im afraid, i get 2 weeks pay at end of month, but the worst thing is that my landlady is my girlfriends mums boss!!!!! and i just feel that i will be dragged through the dirt lol, but hey, everything happens for a reason!!!

Hi, i went to see the IP today and they confirmed that BR is my only option. Only problem is, i took out a loan when i was living at my girlfriends mums house and i have been advised that as that was my previous address it will show up in the paper. my name in the family will be mud and it may end m...

Hi bowie and welcome to the forum. If you only have one creditor then an IVA would not be suitable for you - you need to have a minimum of 3 creditors. Have you contacted the Halifax to try and come to an arrangement with them? Yesterday is history, tomorrow is a mystery, today is the present - a g...

Hi bowie and welcome to the forum. If you only have one creditor then an IVA would not be suitable for you - you need to have a minimum of 3 creditors. Have you contacted the Halifax to try and come to an arrangement with them? Yesterday is history, tomorrow is a mystery, today is the present - a g...

Hi, im new to forum and in need of advice. I would rather have an iva than bankruptcy, but all my debt is with Halifax so anybody know how the 75% voting rule would work??????

Chrz

bowie