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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by ultimate[/i] [br]Hi there, I am currently looking into IVA/Bankruptcy options. Have had my head in the sand over past couple of years but called one of my accounts yesterday for info on the account as I did not recognise it. In March '07 I signed a finance agreement for a £5500 electric drum kit. This was one of many purchases I made during this month. I suffer from bipolar and was during a manic phase. At the beginning of April, I suffered a breakdown and was sectioned, spending 2 months in hospital. During my time there, I had an advocate go through all my finances. I had not yet taken delivery of the drum kit, so she visited the shop to advise what had happened to me and I was told by her that the agreement would be cancelled as I had not taken delivery of the kit. When I spoke with the account manager yesterday, they advised that a debt of £8372 is outstanding and they want o serve me papers to get the money back. To make things more difficult, the music shop is no longer trading so I am not at all aware where the drum kit is! What should I do? Am I liable for this debt as I never took delivery? Many thanks for your help! Chris [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.