The first step! omg....

CJOR

I have just received my letter from the IVA saying "Regrettably, the IVAs are no longer sustainable".

I have just rang my local county court to see if we need the Certificate of termination or the letter I received would be good enough..... he didn't know it was up to the judge! (so I think it best if we get a CoT)

He is also sending me out the forms to fill in for bankruptcy...... scary!!

dalip

Yes it is very!

Just ask as many questions as you want. Those forms can be mind boggling so don't worry about asking too many.Dx

CJOR

Thanks Dalip your reply is much appreciated makes me feel like I am not alone!

CJOR

Actually there is one question that you have probably heard before - when do I ring up and make the all important BR date??????? bit confused.... thx

hadenoughnow

CJOR wrote: »

Thanks Dalip your reply is much appreciated makes me feel like I am not alone!

Just wanted to re-iterate, your not alone, i have taken much comfort in some of the repsonses i had on here, so ask away! and welcome to the start of your new life.

hadenoughnow

CJOR wrote: »

Actually there is one question that you have probably heard before - when do I ring up and make the all important BR date??????? bit confused.... thx

Its up to you, it will cost £495 unless you are on benefit, then you will get £150 knocked off. Check with your court to see what timescale they work to and gauge it from there. If your mind is set that BR is the only option, then i would say the sooner the better

tigerfeet2006

You make the date after you have taken advice from one of the debt charities, know that you will have the money together and forms filled.

So if a debt charity says it is your best option and you know that you can get the fees by the end of February, then ring the court and see what they have available then. Also time it for after you have been paid and all your essential DD's have gone out.

CJOR

I did ring CCCS but they didn't really help me because I'm on the IVA, has this happened to anyone else????? but now that it has OFFICIALLY failed I should maybe ring them again??

tigerfeet2006

Have a chat with National Debtline. Be patient though a few on here have reported that it has taken half an hour to get through with their finger on redial.

dalip

Yes we have had several recently where their IVA has failed. I would ring CCC's again then ring your local court. Some do drop in systems,whilst others are by appointment only.Do come back and tell us how you get on please.Dx

CJOR

I will and thanks all again for your help