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on the up
Junior Member
United Kingdom
158 Posts |
 Posted - 05 September 2008 : 13:20:21
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| last september i went into an iva and in january seperated from my now ex wife and left the family home in which i still have about 9k of equity, moved into rented accommodation and could not continue to pay iva which was frozen for 6 months, i had to find a lot of money to pay deposits and furniture etc and used a credit card which i know i should not have done but had no choice, my iva is now about to be cancelled as my creditors wont accept a f/f settlement so low, and i am going to seek bankruptcy but i dont even have the money to pay the fees, has anybody been in a similar situation and what are the concequences of having used the credit card? |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 05 September 2008 : 14:49:34
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Hi and Welcome on the up,
Sorry to hear about your circumstances, its so similar to many on here and you wont be the last.
Have you tried speaking to one of the fourms other experts so that you can get a verbal understanding of the options available to you.
It may be worth giving them a call the number is at the top of this page leave a message and one of the other experts will get back to you.
Hang on in there and someone who knows more than me can help you.
Take care
And Remember To Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 06 September 2008 : 13:49:44
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Hi On The Up,
That can depend on how much you used on the card and if you've made at least one minimum monthly payment back. As long as at least one payment has been made, you should be ok providing you didn't spend thousands.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
Edited by - JulianDonnelly on 06 September 2008 13:50:07 |
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some advice please
