Assuming that you were to declare Br then the Official Receiver would actually own any equity in the property and in order to retain the flat the a friend or relative would need to find the agreed equity to buy it ( the equity ) from the Official Receiver. Really would suggest you do a little resear...

Hi Philip Gill & Co is one of Melanie's companies so you have obviously had good advice. the options available are then either a DMP or Bankruptcy. It is certainly worth doing some research on either to see what the implications are and how they will effect you and your life moving forward. It is al...

Hi Just a word of caution. Because you are a trading business be very careful which IVA provider you approach for help. Many will say yes they do look after trading as businesses but you really need to be speaking to an IP directly and not one from a huge firm with a telephone call centre. you can c...

Just on the affordable payments Ultimately it will be with the Judge to decide what is fair or not. However this will not stop Link securing the debt against the house, and continue to charge you interest. Really recommend you speak to an IP on Monday. If I am free on the court day I will happliy at...

now that their intentions are clear you know for a fact that a DMP will not work so you should find a good Insolvency Practitioner. They will review the case carefully and suggest either an IVA of Bankruptcy. Neither are as scarey as you would think and neither means that you would loose your home. ...

which county court are you using? Now that I know you are a home owner I am sure that once the CCJ has landed LINK financial will persue an interim charging order and then a final charging order to secure their dect against your house. You really doo need to seek professional advice quickly. It look...

Hi do you have a property? I have had some clients with Link Financial and my experience to date is that their admin process is not the sharpest. Even when having a CCJ overturned at the local court the court officers grinned when they saw it was with Link. They obviously have a reputation. If howev...

Melanie

unless I am mistaken I am sure you have written before that you have a number of armed force personnel currently with you.

Carl - could I suggest a call to Melanie's office on Monday you are probably in the best hands for your situation.

Hi Lisae there was a recent post where the poster was starting to suspect they had gone with the wrong IVA company, and there is a lesson here. An IVA is a big committment and because it is over a number of years it is critical that you chose the right company and the right IP. you can check out the...

Hi

the job role is not one specifically excluded by being bankrupt but as Viki suggests it is always a good idea to check your employment contract and if still unsure phone HR and ask them

Then you have done due diligence and should be covered

Hi David

I am in Bury Court on Monday morning so will try to call when I am finished

In the event that the COOP cashminder account is turned down then a pre paid card can be a useful standby until the electoral regoster issue is sorted. Also as david says if ones job means that there is a requirement for hotel bookings / easy jet / british rail etc then the visa electron card has ch...

Hi Just wanted to add to what Sallya has said about the insolvency service. Provided that you work with them and provide all the information - often before before being asked - then they can clearly see that you are cooperating and not trying to hide anything. I am also seeing a huge rise in court a...

Hi It seems to me that you entered the IVA with the very best of intentions of trying to repay the debts and it would be a shame to loose the opportunity to conclude the IVA without reviewing the options. I agree with Melanie tha it is certainly worth a discussion with your IP to see how the IP and ...

Hi John

they are not the same company but you can see clients ratings on iva.com and see who you might like to speak to.

The choice of the IP is probably the most important decision to be made as you have to live with this marriage for 5 years.