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Early D'charge - What now???
Hi All. I got my ED letter this morning (BR in Dec 08) Would like to know what my next moves are and in what sequence and how long to leave things. Could someone be so kind as to set it out in 1,2,3 order for me so I can tick things off and get my life n credit file back in order. Many thanks Slay
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No turning back now
Just a little update for the nice people on here who have been ever so help full these last few weeks This is it We've opened the co op accounts, and changed important DD's like TV licence and Union etc we've moved into a rented house We've told the council our house is empty and I'm just waiting for mail redirection to…
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Dispatches tonight 8pm C4
Dispatches go undercover in a debt collection agency tonight. May be worth a watch....:beer:
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Interest in home
Hi Can anyone tell me if my home is in negative equity 3 years after being declared bankrupt whether it is 100% guaranteed to be returned back to me. Many Thanks
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Can the judge refuse bankruptcy?
I am doing my statement of earnings and because we are already paying into a DMP and also because our outgoings will decrease by £300 as we lease a car that will go when we go BR - our suprlus looks to be about £700 per month. I completely understand that we will have an IPA (hopefully for about the same £400 as our…
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OR interested in wifes income, NOT her household contribution!
I've just had my interview (almost 3.5 hours on the phone) and was a bit surprised that the OR wanted to know my wifes income and expenditure and therefore her disposable income. I thought he'd only want to know her contribution to the household, but obviously not in my case. Has anyone else had to go through wife/partners…
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Overtime and IPA
Hi, My husband is due to start a new job next week. We will have to send in a new I & E form, and to be honest with the cost of nursery and lost benefits, we aren't going to be much better off at all each month and will still have less than £99 surplus income each as we are both BR, but out of self respect he wants to…
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Can't seem to find all my debts
Hi Everyone, Please can you help! I have had various advice over the last year and I realize my only option is to go bankrupt. I have no assets and am now on benefits due to all the debts (long story) . My biggest problem is I can't seem to find all my debts. Its more than a year or so that I have paid any, I lost my house…
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Post discharge clean up -financial links with wife
Even before my BR (now discharged ) we have tried to seperate financial links between self and wife. However, mortgages always in joint names so always had financial link because of this-and understandably our credit reports depict this link. my wife owns one buy to let in her name only and this mortgage is thus not…
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Bankruptcy and DLA.
Ok, we are seriously thinking of going down the Bankruptcy route, but going to get financial advice first, but before we get to this stage, just wondered if anyone can answer us this question. Our son has just been accepted to get Disability Living Allowance at the higher rate. If we were to go Bankrupt, and have to pay…
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car finance after discharge
My first post and after some advice. I went bankrupt last August due to my business failing (B&B in Blackpool), and had a lot owing on the mortgage, had to give the keys back to the mortgage company. I am therefore nearly due for discharge. I have no car at the moment and have gone from one wreck to the next in the last 12…
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after you have gone bankrupt
2 questions really, once i have gone bankrupt and they take my car from me what will be the state of play with the below: 1) if my parents want to get me a new car on HP in my mums name - will i be able to claim for petrol and insurance and a contribution to the servicing on this. (have posted a similar question but not…
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helpppppppppp court app tomo
hey guys a really quick question, me and oh have our court app tomo, i just read something which has made me panic a bit. do we have to take a soa with us (as in the ones people post on here)? we have filled in all our forms the court sent us. Also do they work out your surplus as total income - amount on soa or is it our…
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Buying the Beneficial Interest??
I was on here in the Spring getting to know about BR and me and hubby decided to try hard with our finances before we took the plunge. We have plodded along ok but it gets more and more difficult and stressful so I am dipping my toe back in the water. Could someone please explain what 'buying the beneficial interest'…
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Help please following husbands bankruptcy..
Hi All, I hope you guys will be able to help - I know my husband found the support on here great through his bankruptcy..... any way here goes.... My husband was discharged from bankruptcy in February and we are building our lives back together. This weekend I have received a letter from a debt collection agency on behalf…
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Self-employed - tax and bankruptcy
Hi there, Am really hoping that someone can help with some advice or has perhaps bee in the same situation! I'm a self-employed sole trader, so I need to pay my tax in advance on account. Due to my debt situation I end up having a choice of paying my loan/cc's each month or putting money aside for tax. As the tax…
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Are defaults cleared with in three years now?
Some one told me that defaults on credit files are removed after three years now is this true ? As they came off after six years before.
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Few queries before going for it!
OH and I are have personal unsecured debts of about £63k. In February this year we set up a DMP with Payplan and that reduced our payments considerably to a manageable level. However our mortgage has gone up and will prob rise again (on a variable rate and can't fix), my earnings are going down and our DMP is forecast to…
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post office pre pay??
anyone got one of these, i see you can get one in sterling, no purchase fee, no monthly fee and no transaction fee, just a fee to load money on!!!! Michelle
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Recovercorp???
Im abroad and we will be going bankrupt shortly, Ive just had a message left on my cellphone from Recovercorp who appear to be a US based agency according to Google. So part of my bankruptcy will be a credit card based in Ireland. I'm assuming this so bear with me. Its correct in saying when I go bankrupt in the UK it also…
