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    • Hi. I've moved your thread to the Residential and Commercial lettings forum. People should be along to advise later. HB
    • Ah I never even considered it, odd f9r me because im Tech savvy. Had a look and sure enough its all there in my google timeline. Perfect. 
    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
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HI

 

I need real help please, I lived with ex partner for 4 years and in that time he got numerous loans all in his name, totalling to 48,000. We were not married. He could not repay the re-payments and went into an IVA though I had to sign as i had a next cataglogue. So I signed the IVA forms as well. We have since split up and he is not paying the IVA now and I have been told that I either have to sell my home (i have a 15yr old son) or go bankrupt. I am a nursing student due to qualify in december 08. I do not know what to do, can anyone help me please.

 

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Edited by loobyloojess
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Hi we too are going through an IVA at the moment but even though it is for a joint IVA we have our own debts, none in joint names, so we both have a separate file numbers and both have to pay different amounts each month. Sorry I can't give any constructive advice as I am new here and getting to know this really helpful site. I am positive there are others who can give you the advice you need. It would be worthwhile to have a look at the IVA, see if there are separate file numbers or contact the trustees from the IVA see if they can advise

<<<If I have helped please tickle the scales;-)<<<

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you need to contact the insolvency practitioner.When the iva was set up ,you employed them to act on your behalf .when was the iva set up? how much was paid into the iva?ask them to send you a detailed account.. how much has been paid in? who have they paid & how much. Before you can do anything you need this info.I'm sorry but I'm sure you already know this but you should never have entered into this agreement.I am only too well aware this ,the iva option seems an easy one to resolve debts.....but from my own experience the insolvency practioner is only helpfull when you are paying them.once you stop they'll ditch you.Don't let them.

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in my case when the iva failed the practioner contacted the creditors.if your debt was only to next.the practitioner will contact each creditor informing them the iva has failed.Its now up to them to take you to court,if your indebtedness is ONLY with next.then contact next explain what has happened & try to resolve the matter with them directly.if you didn't have credit agreements with the other creditors [included in the iva] I don't think they can enforce the debt if it goes to court.

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