www.iva.co.uk

Hi,

I'm thinking of going BR in a month or so (I have to get my rented living arrangements sorted, but now understand if I go BR, my new landlord might throw me out).

Sorry, back to the point.

In May this year I spent £939 of money that I had (not credit) on a macbook. I'd like to know if the OR will take it from me.

I have ME / Chronic Fatigue, and although I work full time, when I get home I go straight to bed as im so exhausted and use the laptop to watch tv, but more importantly chat to my friends and keep in touch with them - I cannot do this in real life as I'm too tired after work to get out and do things. My laptop is my only way of staying in contact with the outside world. All weekend im in bed with the laptop talking to them about how they are and they check up on me. If I was to lose it I would be so cut off.

Would the OR take this from me? Can I argue that its my only way of keeping in contact with friends / family (including those in Canada) so I need it, and I use it to do work at home occasionally?

Many thanks for your help,

Kind regards

Charlotte

Hi Charlotte and welcome to the forum, I'm sorry I don't know the answer to your post but will bump this up and hopefully someone will know. x

Your laptop would be safe.

Paul

Charlotte,

As stated your laptop will be fine. Skippy who posts on the forum will no doubt corroborate this. The OR is more interested in any Van Goghs you have hanging over the mantle-piece.

Gd luck.

Many thanks, I was just concerned about the value.

I'm now struggling as I wanted to go BR (and my family told me to do it) but other people are telling me to get and IVA because I will be screwed forever with a BR - no one will ever touch me. They also told me not to go with the CCCS as their limits are so tight and if i go elsewhere I will be allowed more living allowances???

You won't be screwed forever with bankruptcy. It will be on your file for 6 years, the same as an IVA is. If asked in the future if you had ever been bankrupt, then you have to answer truthfully.

I suggest that you speak to one or more companies before making a final decision.

Visit www.iva.com for a list of companies and reviews. You will receive free and impartial advice.

Thans guys, and Jan,
I think the problem is they are concerned about financial institutions views on br rather than the iva - that i will be 'blacklisted' and never be able to do anything with my life after.
I have talked to the CCCS and they are very much pushing me towards and IVA (the guy i spoke to said they prefer it because they like the creditor to get some money back??).
I want to go BR - if it wasnt for the housing situation (I need somewhere new to rent) I would just go for it.

Thanks again,

Charlotte x

Charlotte - speak to a couple more companies before making a final decision.

You may still be paying back some money to the creditors with BR - if you have disposable income over £99 after your normal bills have been paid, then you will make payments for three years.

It is not down to CCCS to tell you what they prefer. They should give you impartial advice about all the options available and leave it up to you to make the decision.