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Ex-Bankrupt confused about the way forward!
Hi All, I'm writing on behalf of my girlfriend who was declared bankrupt 3rd May 2007. Since then she has been discharged from her bankrupcy and between the both of us we keep a very healthy pair of individual current and savings accounts. We went into the bank a few days ago asking for a debit card account for her as she…
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must not obtain credit of £500 or more
I am now bankrupt and everything has worked out well so far. In the info it states clearly that "I must not obtain credit of £500 or more" As far as I understand, credit is something that you have to repay. A grant is therefore not credit. I want to apply for a grant for my work, which I would not need to repay, therefore…
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Bankruptcy and...erm, fantasy football (!?!)
One of the more random posts this one!!! It's that time of year again - the papers are awash with fantasy football games which is one of my favourite hobbies of the year which also gives me nicer things to worry about. I normally fork out a tenner or so to enter the Telegraph and Sun competitions and be part of a super…
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Name change after bankruptcy
Having trawled through all the useful threads I am unable to find an answer to the following and was wondering if anyone could help! I filed for bankruptcy 2 years ago after a very messy divorce. The bankruptcy was filed in my old married name only and did not include my maiden name as no debts were incurred in this name.…
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IPA starting. Changing payment date?
We have received our payment requests from Clarke Wilmott to begin paying our IPA over the next 36 months. The payment date is to be the 13th of the month. We would rather it be in the last week of the month so that money can be paid over straight after payday (mine falls on the 26th and my wifes on last calendar day of…
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Ex-Bankrupt - can you work for the police?
Hi I was declared BR in Aug 06 and was discharged in March 07. I've applied for an administrative position with the police and have an interview arranged. However, as part of the form filling, I have to state whether I've been declared bankrupt in the past 6 years and if so, what was my date of discharge. Is there even any…
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BR and council tenancy?
Can someone tell me if your council home tenancy is affected by going bankrupt? I have 4 children, and have debts i cannot pay- i am gradually working my way through all the BR helpful messages on here ( Thank you!) but can't find anything about this. Are the council likely to want to re-house me somewhere cheaper in rent(…
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Help
I need help and if there is anyone out there that can advise me that would be great. I have purchased a car on hire purchase from Welcome finance, and i went bankrupt in feb and the car is sitting on my drive at home. I have contact welcome in a number of occasions and they dont seem interested regarding the car. The Mot…
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eviction and bankruptcy
Son has an eviction order to get out of his flat in early Sept unless he pays £4000 rent arrears before then. He has no way of doing that and doesnt know which way to turn. He has other debts and fines etc which have built up over years with him burying his head in the sand in the hope they would go away. He hasnt a hope…
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Newbie going br this month hopefully
Hi been browsing for a few weeks now finally plucked up courage to post. I have apt with CAB on 18th to fill in BR forms but do not have money to pay court yet court says its about 2 week wait after taking forms in. Need to get money together for deposit and rent on a house plus money to buy a car as the one we have is on…
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DEbt counsellor-TOO BUSY!!!!!!
Hi all again!! Our debt counsellor who has been very nice, good, informative etc last week cancelled our appointment with her, which should have been tomorrow-therefore we take the plunge ourselves. I rang Birmingham Court last week and got appointments for us for Aug 26.Am now stressedabout that because of wages,…
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date to go BR?
Have now finally done all the forms after much changing of mind/panic/sleeplessness. I called up the local court and they let me know that I can go in on a monday or weds, but there is only usually a judge there on a mon or weds. The name bit is also likely to appear in the local paper the following week. This is the bit…
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Lack of bank statements
Hi again. Me and OH have a date on Aug 26th to go bankrupt. However we are starting to mither about things such as lack of bank statements, credit card statements. The problem is when bills were paid(!) i just chucked receipts etc away, there's enough clutter in this joint already! We do have a few statements but no way…
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Hi, help needed for a newbie please
Hi, I have been a lurker on these forums for a while and have found them invaluable for me, so thanks everyone! 4 weeks ago I finally admitted to myself and to my partner the financial mess I am in and booked an appointment with CCCS, which is tomorrow. In the meantime I have been lucky enough to get some advice from…
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Random Sunday Afternoon Worry - Tax Credits
Hi there guys As some of you know I went BR in May 2007 and discharged in May 2008. I'm probably getting ahead of myself here. This week I received a letter from Tax Credits who have decided to embark on an enquiry into my 06/07 claim. I can't help worrying as from 2005 to 2007 my affairs were a complicated mess with a lot…
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Moving Forward
Hi all. I'm looking for some opinions and would be grateful for your feedback. I find myself in an unusual 'betwixt and between' situation. I live in a rented property with my parents but have a long term partner and a recently born baby daughter living at another address. I spend about 50% of my time staying at my parents…
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Cleaning my credit files??
Hi Everyone I have been going through the process of cleaning my credit files and I have received letters from my banks saying they have updated the files with the correct information. But when I came to obtain my reports its a bit of a mish mash of correct and incorrect information... I should of known that nothing runs…
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Prepaid Visa / MasterCards
Having lived without a visa card for the past couple of years, one thing I have missed is the ability to go out without ensuring I have enough cash for every possible probability. (carrying cash for me means more chance of spending on small items) Ive also missed out on good deals on the internet for books for courses etc.…
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Can I live In Australia
Hi There, I have a couple of quick questions regarding bankruptcy. 1.A friend of mine found it very difficult to get credit since her father went bankrupt. I thought each individual's finances were judged on thier own merits. For example should I get married, would my future wife find it difficult to get credit due to my…
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Yet another property question
Hi again Right we went BR in April, have our own house etc which now belongs to the OR. We have had the option to purchase both my & oh's BI Back for the £1 plus costs as the house is in negative equity. We are now discussing the possibility of emigrating to OZ as my oh's trade is in high demand over there. If we dont buy…
