it seems they are accepting one creditor let see when I have an interview with step change.

it seems they are accepting one creditor

Yes, it's one Lloyds personal loan, although they have given me 60 days' rest. With Bankruptcy I saw online that they need your bank statements for 2 years. During my application for divorce is what led me to the big financial crisis. My own account had no outgoings for rent, bills, etc prior to thi...

Surely if I explain that I needed the money for Divorce Solicitors and Emergency funds as I went through a crisis during Covid-19?























/

yes, they verified that the fees were in it for 5 years. I don't know if an IVA can be less than 100 pounds? Also, Step change recommended Bankruptcy but I understand 650 pounds in instalments is an option but will they hack into my account for 2 days as I recently paid the brother money I owed him?...

debt guardians are offering an IV solution over 5 years. I do not qualify for DRO or Bankruptcy

Thanks, both. I have been in contact with another company called debt guardians and they are offering me 100 a month write off after 5 years. no fees as well. they need bank statements just to verify I am not a millionaire (hahaha) Also a payslip and a passport/driving license. Straight forward ques...

i have 14 days to decide with Liberty (independent insolvent accountant) but I also have an interview with Stepchange next week for 1 hour , I will see what other options I can take too.

I have since looked at another company who are charging me fees of 480 per annum spread out the cost. 1st cost payout is 140 pounds per month for 3 months . Told me to open another account Nationwide which I did over the telephone. Also, they can negotiate according to my outgoings. Pay 100 in the 4...

<t>Hi<br/> <br/> I owe 18,500 in debt to the bank as a personal loan. I work permanent full time Due to divorce. I can pay off all bills etc to my social housing. No other assets. Two adult boys live with me and they work and have their own assets like a car.<br/> <br/> I have had an assessment with...