Just wanted to pop on and say a big thank you to everyone for thier support and advice. Went to see two IP's yesterday and both advised bankruptcy due to husbands overwelming debts. The good news is (I always try to find a silver lining) that the first plus loan which has always been a millstone aro...

Thanks Melanie. He's a typical ostrich, God only knows what would have happened if i hadnt tackled him about it when i did. feeling better and looking at other IPs now as well to try to get things moving and get as much input as we can as to what our options are. This site realy is a life line...tha...

Oh God Melanie that sounds really ominous. Was feeling quite positive but not so sure now.

I wish I knew. He paid off some of his credit cards and a loan but then the overtime dried up and the interest rate on the 1st plus added another £200 to the repayments every month. On top of all this he had his head in the sand and an expensive scuba diving habit. I asked him to cut up the cards an...

Andy
the 1st plus (cant type it without clenching my jaw) is for 100K.

Absolutely. The only baked beans are HEINZ....kids wouldnt eat anything else. Brought Smart price tissues today 1/3 of the price of the othes....after all your only going to blow your nose and then chuck them arent you! Love Asda 'whoops'ies. Buy the meat and freeze it or use the good old slow cooke...

Thanks everyone. The meeting is just an initial meeting with an IP. Melanie...the house is worth £175,000 with £69,000 left on the mortgage. Such a relief knowing that the amount of creditors doesnt matter that was one of my main concerns. No idea what husbands debts are but mine are around 40K his ...

Waited and waited for my husband to arrange but as usual he has his head in the sand. Made the appointment myself and now he seems relieved...think ive just got to mother him a bit. Anyway a few questions: We currently rely on an overdraft and use an Amex charge card for petrol and food shopping whi...

My husband and I both have considerable debts but apart from the mortagage and joint bank account (purely for household bills) every thing is in our seperate names. Since upping my hours at work last month for the first time I was able to pay everything this month without further borrowing on my car...

Thanks for your support. One more question spring to mind, I have a loan with Northern rock who we also have our mortgage with. Do I have to include this on the IVA....dont want to do anything that might put the house in jeopardy?

Im new here but already found this ste incredibly helpful and reasurring. Not applied for IVA yet...only just managed to get my husbands head out of the sand. Debts in excess of 60K already secured loan of 100k on house worth 180k with mortgage for 74. Feel very dissapointed in myself and let down b...

My husband has previously been bankrupt (in the 80's) is this taken into account when applying for an IVA?