hi, thanks for your reply - no he couldnt pay the full £170 per month on his own of the NR loan. My debts are: NR - £20000 (joint), Halifax Card - £14400, Halifax OD - £2200, Black Horse loan - £1300, Student loans £7k. Thanks.

just been reading this and wondered if anyone knows if there's any such thing as an account of any sort where i can a cheque book? my credit rating is probably in the minus figures, but is there anything like the prepaid credit cards, but with cheques?

thanks all for your replies. i have just started out on a debt management plan. my credit record seems to be at rock bottom at the moment anyway. before the plan, i had applied for a secured loan but the payments were almost as much as i am paying out now anyway. and i contacted northern rock about ...

hi - thanks for the reply, i think i am probably worrying too much about a bailiff breaking in and me coming home to a bare house. One more question though, Would i have to prove the things that are my boyfriends are not mine in bankruptcy? Would they be construed as assets of mine?

Can anyone tell me, if a bailiff actually got into my home, or if i went bankrupt, how would they know what were my posessions and which were my boyfriends? i have hardly any assets - i have a comapny car, and my boyfriend bought the tv with a personal loan. he also has a lot of music equipment. is ...

hi - Yes we spent a lot of the unsecured 30% on doing the house up (It was very cheap for a large 3 bed semi, gardens, etc - at £92k) but needed gutting and redoing, which is now almost complete. You do have me thinking about BR though now. If NR secure it all, then the equity is about 15k maximum i...

i work for a very well known company and i'd probably lose my job if i went bankrupt. and its not the sort of question i want to ask to find out. also, my family would be horrified. and i dont think my partner has enough disposable income to buy my equity (our house cost 92k. we borrowed £115k. our ...

hi - Natwest's step account is really good. they accept undischarged bankrupts & ccj's and issue you a solo meastro card. they'll also do all the switching for you and you'll get a new account number within about a week

ok, thanks. it all seems so complicated for me. a student loan, northern rock, my partner, my fixed rate mortgage ends in 2012, and i want to start a family soo. i feel like i'm at my wits end. i have no idea what to do for the best

Hi - I've not been advised by Pyplan but U have spoken to an IP (via Debtadvice). However, I did not include my NR debt. at the time I hadn't even thought about it as one of my unsecured debts- It was just my mortgage. I would like to be able to do an Iva but NR proably have around a 50% share of my...

hi again - i've now been informed that norther rock are just rejecting IVAs outright. Do you know if this is true? If i had to include them in an iva, it'd fail because most of my debt would be with them (my half of the unsecured loan being approx. 15k

no he probably couldnt afford my half of the loan as he doesnt earn as much as me and ca just about manage his half of the mortgage and bills.

I've sent this question as another post but I also have a Northern Rock unsecured part of the mortgage, which is joint with my boyfriend. Payplan and other companies are advising that NR can be left out of a DMP due to their refusing to allow reduced payments and subsequent charging orders. also, th...

yes i think i owe them 1500. what would the chances of halifax and next both agreeing to an iva?

Hi - I personally have chosen a fee-charging company for my DMP. I can get through to them whenever I ring and speak to a senior advisor, and also, the budget isnt quite so strict. A few people have said that they have found the charity organisations' budgets to be too hard to keep to. I asked if I ...