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Barclaycard
I lost it on the phone today when Barclaycard phoned yet again. I wasn't in a good mood to start with so she got both barrels from me, it winds me up when they call you and then ask you to give them a security Question answer :mad: anyway as soon as she asked i snapped at her and said how many times do i have to tell you…
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Sould we be expecting a BRO?
We got our court date last week and I'm so scared we will get a BRO... In Dec we ordered lots of baby clothes which were needed as my daughter was wearing clothes that only just fit her In January we got new mobile phones from a catalogue (I really needed one as its how I keep in contact with friends/family) The thing…
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Bank Acc after BR
Is it possible for the OR to have anything to do with the bank acc you open after BR?or is it only the ones Before BR that they would be interested in? Thanks Andy
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Self-Employed I & E
Hi all Are there any extras you can claim on your I & E if you are self-employed? I work in construction and have to buy my own worlk clothes and tools etc out of my own money,I was just wondering if these would be allowed by the OR? Thanks Andy
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can someone else handle another person's affairs?
hi guys, Another question about my friend - my friend is suffering from stress she can't think clearly and wont answer the OR phone calls coz she finds them too stressful, as the OR is not very nice with her as she is not co operating. Anyway, I have spoken to her family, and her sister is willing to deal with her…
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Some Questions (Long Post - Sorry)
Hello. This is a bit of a long story. I am actually writing this on behalf of my friend who is in one horrible mess at the moment. She doesn't have internet access so has asked me to find out certain things for her. A little background into the situation my friend has found herself in. She has been married for 7 years to a…
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Bankruptcy Forms Question
Hello Currently filling in BR forms & stuck on section 4 where u list the creds. I had been in an IVA with Payplan. This has now failed & they sent me an up-to-date list of creds with balances, a/c nos, contact dets etc. However, i noticed some of the creds have sold the debts on to other companies. On the forms do i list…
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Question Experian Credit Report
I just received my Experian credit report after having been discharged a couple of months ago. Is it normal that the bankcruptcy is actually never mentioned on the report? ?If I take one example of a credit card it says Default xxx£, Defaulted Date xxx, Balance satisfied, Status History 8, MAX RECOVERY Is that how it…
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testing again
Want to post my I&E long post but it is not getting through
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Testing
Just testing as my new thread isn't getting through.
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confused discharged Bankrupt
Bankrupt December 2005- discharged August 2006 Credit agencies have on my file that my bankruptcy is settled from an unknown source, have written to all 3 again, Equifax say they will put it as discharged. When I apply for anything eg.Bank accounts, contract phones they all say I’m bankrupt? The only one that says yes at…
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I & E
Hi Does any one have an idea of what sort of figures are likely to be allowed by the OR? And what things are we allowed to include in the I & E,I know the major things I was just wondering what some people have included and been allowed by the OR. Thanks Andy
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Help...i'm in such a mess
(This is a copy of my post on the debt free forum, someone suggested it would be good to start a thread on this sub forum too) This is my first post on this site, i've been 'lurking' for a while and the advice and support are brilliant. Any advice on my situation would be fantastic, although I don't really think I deserve…
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B&F Prepaid Mastercard
I seen a advert for the B&F Prepaid Mastercard, this card seems to be issued by the Newcastle Building Society, charges a £3.99 fee, but purchase and Cash withdrawels are Free !, it also offers 10% discount with Hertz Car hire ?, which must mean it is suitable for car hire, does anyone have one of these cards to see what…
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filing for bankruptcy- is the deposit refundable?
Hi there, I'm seeking to file for Bankruptcy at some point this year to clear my snarled tangle of post-uni debts. I've done a little research, and discover I must raise £500 cash in order to file my claim. About £150 is required to pay the court fees, for which there is a form to reclaim some or all of this fee. As for…
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Another Form Filling Q.....
.... The last one today I promise. I've filled in all my creditor details in section 4 £31632:eek: Do you put the same credit card and bank details in the 'Bank Account & Credit card' section 5, even though they're no longer active? Or it that just for the account I'm still using?:o TIA
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Bankruptcy still on records after 6 years?
Hi, I went bankrupt 5 years ago. Am starting to think about applying for a mortgage next year (after 6 years - when supposedly bankruptcy disappears from the three credit record company files). I keep hearing that mortgage lenders have another list, which isn't made public, which tells them about bankruptcies long after…
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Possible step towards ED???
Hi all I received a letter from my OR yesterday saying they 'intend to apply to the secretary of state for trade and industry for my release as trustee.' I dont quite get why? It says that they are doing this because it means that they are able to close my file. Is this then a step towards early discharge? I'd never heard…
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How easy is it to rent??
Hi again, After a lot of thought over the past few days, I have made the decision (sort of, Im in total turmoil) to give up the house. Its in negative equity and the mortgage and secured loan are very high. I was initially concerned the OR would be a bit funny about this and possibly refuse to allow the high payments. Ive…
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IPA's ??
Hello all, my first post so deep breath... Went BK since 21/11/07 Had a dreadful telephone interview with OR. I know they are not paid to be sympathetic but it was horrid, and I felt so low afterwards, anyhoo, got a letter about an IPA for £90 per month, which I sent in letter saying it was unreasonable, then got another…
