Does anyone know whether there are any mobile phone service providers out there who will offer contracts to IVA/Bankrupt individuals?

How long after your IVA fails should you come off the Insolvency register?

Hi all, I've been with OneBanking a couple of months now and all I can say is - BEWARE! They have caused me endless problems - least of all the inability to have direct debits! When I've used my debit mastercard at Tesco particularly it deducts the value twice! I then have to call in to get them to ...

Hi all, some good news! I've been in an IVA for 2 years now but have recently split up with my husband so needed a bank account of my own. I was pulling my hair out with worrying and tried the new "One Banking" debit mastercard account - WHAT A NIGHTMARE!!!! Although they charge a £12.50 monthly fee...

How long do I have between ending the IVA and applying for BR? My IVA is joint with my husband and I simply don't have £485 x 2 to pay?

thanks!

Oh please help again! This nil tax code business? What's this all about? Can anyone suggest somewhere I can read up on what I need to know?

thanks again!
Flowers

Further to the comments above, I read on the internet last night that unless your employer does a credit check on you they may never realise that you are bankrupt? Another site says that they are immediately informed? Can anyone shed any light?

Thank you
Flowers

Thanks Melanie. It does make sense but wondered if they worked of a credit scoring system like the UK? In terms of securing rented accommodate with a bad credit history etc. not actually loaning money? If I can help it I will NEVER use credit again!!!

regards
Flowers

Hi everyone. I'm pleased to say that I have followed your advise and have got an alternative opinion! It is a relief although very daunting to have to start the process from the beginning. However, the advise that I have received was great and the person I dealt with was very helpful and understandi...

I wonder if anyone can answer this question? If we enter into an IVA or go bankrupt, how does this affect our credit across Europe?

Thanks for all the advise! I'm really am pleased to be in a position where people actually care! It is so hard as I want to give Synergi the benefit of the doubt as I just want this nightmare to end! However, I promise to seek alternative advise TODAY! I'll let you know how I get on. thanks again to...

Bluebelle,

Can I ask who your IP was? I need to find a new one as I'm going into the 3 month region without a creditors meeting. Thankfully I've only made 1 payment - but this is still a large sum of money lost!

Appreciate your advise.

Flowers

Congratulations Jannette! I think I may give Simple Debt Solutions a call. My initial contact with my IP was November and we still don't have a creditor's meeting date!!! Getting depressed and worried again! But you're proof that there is light at the end of the tunnel!

Thanks to everyone for their advice! I have one question though?? What would be the process if I decide to find alternative IP representation? I am worried by all the feedback that sticking with Synergi will bring long term headaches. I will ring them up tomorrow and demand some answers. They really...

Thanks for your reply Kerri. My initial contact with Synergi was prior to Christmas - I'm still waiting for a date for my Creditor's meeting and have already made 1 payment toward Synergi! The next payment is due in a couple of weeks ... Fingers crossed it will work out! If anyone out there has any ...