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| T O P I C R E V I E W |
| lostinparadise |
Posted - 16 October 2008 : 11:46:00
hi, i am just about to go br as my debts are to big for an iva, i really could do with your advise and support as what my next steps are! |
| 4 L A T E S T R E P L I E S (Newest First) |
| lostinparadise |
Posted - 16 October 2008 : 18:01:00
hi, thank you for the advise (will call no tom ) i dont know all pros and cons , as for credit i cant get credit at the mo and i think with an iva it would be the same! but i am hopping that i will be able to obtain credit at a later date (did talk to john Blackadder and he said i could get a mortgage at some point! tbh £1700 is the most i have ever had on c/c and was paying both personal loan and car hp on time up untill feb but then kind of left my job (rented a room in nail salon but the girl who owned the lease was crap with her money,and she was more interested in what she could by her boyfriend for xmas , pitty as she was sitting on a gold mind (did try to take the lease over but landlord tarred me with same brush but hayho!!!!)sorry sounds like iam passing the buck and that iam anal with money, no iam not and have been late with some payments ,just got feed up with baylifs coming into the shop and threatining to take my stock and not hers!!
many thanks
nikki |
| eamonn |
Posted - 16 October 2008 : 17:43:03
hi lostinparadise
welcome to the forum
from what you have written it sounds like br may be the best thing for you but have you sought other advise and are you aware of the poss cons,like no credit for 6+ years but i think you should poss ring the helpine number at the top of the page,i hope this helps |
| lostinparadise |
Posted - 16 October 2008 : 17:05:03
hi,well in a nut shell most of my debts are a result of my exhusband (and iam not dumping the blame on him, some are fruad but if i take him to court i would be on the run for the rest of my life,)been trying to divorce him for 5yrs, should be free of him in 8 weeks!
debts total about k95....mine are a personal loan of k3,provident k3(yes i know !!! but needed to done size from 4 bed to 2 bed and needed deposit!) car on hp 18 months left of £264 a month and 2 c/c total £1.700. have been just about making ends meet with other debts as and when they come out of woodwork! ie barclays old account in joint names of £180 but offered £100 to clear ,but got letter from mortgage company for k54 ,was in my name but gave him £1000 a month to put into another account to pay mortgage but he never did and after a yr of trying to sell gave keys back that was 4 yrs ago as house was very big (6/7 bed) and was also being haunted by ex ,
my income is
working tax cr £120 a week
housing benifit £124 a week
maintaince £264 a month
c/b £75 a month
self employement £400/500 a month
i sometimes have about £50 a month left over (does not include "his" debt repayments)
to be honest i am feed up of struggling and paying for his luxuries my solicitor advised going br to end this nasty cycle
i hope this helps
many thanks
nikki
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| Needafriend |
Posted - 16 October 2008 : 12:46:18
Hi Lostinparadise
Welcome to our forum.
Before we can help with your question we need a little more info, if you dont mind.
Things like:
Assets do you have any, how long have you been in your IVA, has it failed now, is it just you considering BR or is there someone else.
How much are you in debt, have you spoken to anyone to get any more advice.
Thanks
Take Care
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriends Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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