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Equifax specific CRF clean up question
I have been reading through the excellent CRF clean up document in the stickies, very very helpful. Call credit is as promised totally wrong, but I am currently working on the Equifax side of things. In my records it states the following, is this what it should say as it is slightly different to that shown in the sticky:…
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Cars & Bankruptcy - help!!!
Hi, I'm at the early stages of going bankrupt but before I send off my forms I'm after a little advice regarding cars. I live 40 miles from my university and have to have a car to be able to travel there for my full-time studies. I have a car, which was recently purchased for me by my Aunts, as my previous car died just…
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does the record of BR on the CRF COMPLETELY go after 6 years?
Hi, I am under the belief that after 6 years fron the date of the Bankruptcy Order, it drops off your record completely. However, my local Bank advisor tells me that whilst it drops off the main part of your file, there will still be a record of it somewhere. Is this really true? thanks
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all done and dustied
Hiya wow cant believe have done it now – me and other half are numbers 20 and 21 :O) After the last few days of drinking copious amounts of wine to help me sleep – panicing over the forms and pooping myself on a regular basis!!! Couldn’t believe how easy and fine things were this morning. Appointment was a 10 and went in…
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This is to anyone who is struggling with debt
Just a note if anyone considering br is reading this. When I started my br route in October 2008, it was overwhelming. I had been in debt for years and I owed £67,000. I had no idea it was this much and I felt sick when I added it up on my SOA. You will see in my earlier threads how it happened. At the beginning the calls…
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Solicitors letter
Hi, I have received a bill from a solicitor i used to chase my ex partner for £76, does anyone know if it is possible to include this in my BR? I went BR in November and went to see the solicitor in August. xx
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Rant
Hello all, I know it's not good to be negative.....but i need to have a rant. We all dont pay our creditors or at worst go BR because it's our last option...and we have nowhere to turn...so why is it when companies send letters chasing debts they put 090 numbers as their contact details or 0870 numbers, costing us even…
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to go bankrupt or not?? Help!
Hi, i have been using this site for a few months now, but have not yet written anything, so here it goes. my query is whether to go bankrupt or not, not really sure theres any other option. i have enclosed my soa for someone to look at and advise if poss. for the last 3 months i ahve not made any payments to the mortgage…
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Gas and electric query again
Another gas/electricity query. Has anyone got a new account post bankruptcy or just prior to it and if so who with. Just had a bill from N Power (my current supplier) and we are behind. We move to our rented house in a few weeks (we'll have both houses until repossession goes through) so just wondering if just prior to my…
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Right anyone know?
Ok hello everone i was as you know declared bankrupt on Wed along with hubby just wanted to know on my SOA i had 130 left over, now because of child benefit will i not have an ipa (child benefit is 199) is it considered between us or seperatly as hubby has more surplus and is defo expecting ipa just wondered ? Also i am…
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What does this footnote mean please
I think my footnote as changed it now says this does anyone know what it means please, ( I could just be being bit thick), thanks for readingThe bankrupt’s Discharge Date is in accordance with Section 279(1) of The Insolvency Act as amended by Section 256 of The Enterprise Act 2002
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Should I go Bankrupt
Hi all We have been on a DMP with the CCCS for the last 3 years with a starting debt of £45,000. We are now down to £34,000. We have 4 creditors. We run our own business as a husband and wife in partnership. The question I want to know is if I go bankrupt will it affect the business. Can the business carry on as normal or…
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Stakeholders pension advice please
Hi, when the OR looks at your soa do they stop any contributions you make to a pension fund through your employer? My oh pays 7% of his salary before tax and the company matches that. Will this be taken into account for an ipa? Many thanks Vicki
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BI question
I am waiting to hear if OR agrees with negative equity, if he does I assume he will ask if someone wants to buy my BI. The problem I have is now we have addressed the finances we realise that my husbands wages at the moment are too low to cover is debts (£40k). He is a self employed brickie. Therefore if I sell it to him…
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More advice needed!
Having just read some of the threads on this site am now totally confused as to who I have to inform of my bankruptcy. Do I have to inform my bank?, my landlord?, my work?, utility companies? Anyone else?????????
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Advice please
I was made bankrupt in December 2009, in Scotland, through the low income rule and am unsure of a few things. The main one is that my partner of nearly 4 years would like me to move in with him in the next few months but I am unsure of whether we would be better waiting until after my bankruptcy is over as I do not want…
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Can You Help (bankruptcy)
Hi there i am 26 years old i am £21000 in dept i have had my own business for one year but most of the money has been built up over a number of years . i had handed it over to a dept company which sort out all your out goings but it got to a stage now were its to hard i have been out of work for three months and i am fed…
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Please someone who has been through BR
I am having a panic. i am planning to go Bankrupt in february. can someone tell me exactly what they do. i know you go to court and after you are BR you speak to the OR. What does he look into? does he physically go into your accounts and look at statements? i am worried as i have been buying stuff for my new place for…
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HELP how many copies for the morning?
oh holy !!!!! how many copies of what do I need for court????? cant find it written anyway I have 1 copy of everything and thats it!!!!!!!!!!!!!!! :o
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what do i say to bank
Going to hopefully sort out removing my name from joint bank act tomorrow (barclays) what do i tell them the reason is -do i say i applying for bankrupsy or a little white lie? i have outstanding credit with them i think (barclays partner finance) for some sofa's bought on 6mth intrest free will they know about this and…
