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Found 3 results

  1. Hi All I have just joined and looking for some advise please. I am in a lot of dept to the sum of 60k I don't want to go bankrupt as I am self employed and it will cause me a lot of hassle . I talked to a dept company yesterday and they have said I best go bankrupt but as I said to them I don't want to I rather pay some of the money back than walk away paying nothing . I don't have any assets and my earnings are limited but I can afford about £250 per month towards my depts. I have talked to a few people and they say an IVA can run for 5 yrs and then I can be dept free Do you think that the amount I can afford will be accepted for one of them ..The guy on the phone yesterday was not much help TBH SO I AM A LITTLE CONFUSED . can some help thanks
  2. Hi All. This is my first post, and I not proud to be making this at all, but ten years ago I came to live with my Canadian girlfriend in Canada. I cleared all of my UK credit cards apart from two that were online payment only cards (Egg and an IF card) there was about 1500 pounds on each of then, so a total of 3000. I had a Lloyds bank current account that use to direct debit my payments to both those cards each month, and left 750 to cover that when I left the country, and it was my intention to keep topping up my Lloyds account as soon as I got into the Canadian workforce. Then it went all wrong, as I did not find any work for almost a year, and when I did it was a real struggle to survive on low earnings so I never got round to putting any cash back into the Lloyds account so my overdraught started paying the cards each month, and when we moved to another address, I never told them that I had moved, and now about 8 years on, I'm scared to death that this 3000 that I originally owed has escalated out of all proportion. And I need to return to the UK for good in a few weeks time, and am wondering what's going to be the outcome as I will need to open a bank account there and all manner of other things like renting a place and such?. Thanks in Advance,
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