You're right Paul, I never thought a BR date would make me feel good! lol

Thanks Jan

Hi again x Well I've spoken to someone on the phone today. I don't have enough disposable income to do an iva. I have been advised that bankruptcy is my best option. After thinking it through, and getting some fantastic advice, I have decided to go ahead with it. I'm a single parent, and work part t...

I think there was an optional overdraft Jan, I will definitely remove it....it'd make matters worse!!! I can't be trusted! lol
Thanks x

Thank you Melanie

Would you advise me to go and see my creditor tomorrow or should I just leave it? Thanks

I agree it's a risk, but she asked for them by email and I just did it. That never occurred to me. Ah well, it's done now. I won't bother going to the bank then, but I think I ought to go the other loan company, because they said I might be able to forget this months payment (the one that was return...

It was just a normal current account I think, but maybe I've applied for the wrong one. If they refuse, which they probably will, then I'll just have to ring them and ask for a very basic one, ready for when I start my iva x

Hi again... I've got someone from MelanieGiles calling me tomorrow. I've just emailed her all my account numbers, figures etc so she's got everything beforehand. I had a call today from 1 of my creditors, to say a DD had been returned, for my loan. I need to go in tomorrow to show them my bank state...

Great news [:)] I have applied for a current account with co-op but I applied online. I've had an email to say that they're considering my application...I should know within a few days hopefully. I wonder why they didn't approve me straight away? Did they ask you for info about your income/expenditu...

Thank you for the replies xxx

Oh right, I see. So it won't hurt to fall a little behind with payments, once the iva is being arranged then? I'm worried that my credit rating will be damaged in the future, if I ever wanted a mortgage for example. I know that the iva itself will make me unable to borrow for a while, but will it be...

Great, thanks for that. If I don't make payments to them, isn't that going to make things worse though? Because I don't want to fall into arrears and end up with ccj's or something...? xxx

Thank you all for your advice. I have decided I would like to go for an IVA, I was just wondering whether those particular creditors are likely to accept. I have a few telephone appointments with IP's later this week, to start the ball rolling. One thing that is worrying me though...I have no money ...

Hi all, I'm Kelly :) I have OVER £20,000 worth of debt, owed to 12 creditors: Barclayloan £9000 Barclays overdraft £1500 2 Barclaycards £2000 Cahoot loan £2000 Welcome Finance loan £2000 Ace catalogue £500 Next card £800 Ikea card £800 SimplyBe catalogue £800 HFC finance on a laptop £300 Provident £...

Hi I'm new here [:I] I just want to say thank you drowning-mummy as you have asked a lot of the questions that I wanted to. Thanks to everyone for answering them too lol. I am a single Mom who is also considering an IVA. I'm just doing some research at the moment and this site is fab! I'm getting th...