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My CAB visit...and a couple of Qs
Took the step today to go to CAB, i took the printout of the SAO what i did on here, but as it was a first app he said it wasnt exactly how they needed it, so i have got a new form from them, and have to put DHs incomes and debts down to, i explained i had seeked some advice via the internet and it seemed bankrupcy was my…
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SOA question
okay so I have seen and completed the SOA's on this site, however have just downloaded the statement of affairs debtors petition form 6.28 and its not the same layout at all how do you complete it to give as much detail as the SOA posted on here, hair, dry cleaning etc. I used to think I had brains till I started coming on…
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discharged, when can I get a bank account?
hi, I dont know if anyone can help me. I am due to start uni as a mature student (rocking 30, gulp!) and applied for a student bank account. I got turned down flat. I was bankrupt (now discharged) and wondered if this was the reason why? would I be eligible for any student account at all? do I have to wait the full 5 years…
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OR Interview - What now?
Hi all Had my OR interview (telephone) yesterday, lasted about 60-70 mins. Very nice lady who was polite and sympathetic throughout. I kept it as waffle free as possible (weakness of mine I'm afraid) and it seemed to go really well. From what I can tell she seemed satisfied with my SOA and all the answers I had given, one…
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Utilities on SOA question
Hi Posted an SOA on here a few days ago, currently Electric & Gas bill is £85 per month, was suggested to increase on SOA to £60 each. Obviously this helps with potential surplus but just wanted to know, is this a standard allowance for fuel bills ? Dont they ask to see copies of your recent bills at all? Just worried the…
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cashplus card ?
i just applied for a cashplus card today i received a letter from them asking me to send a copy of my passport aand 2 utility bill or statement ... i was wondering if it is normal procedure as i have already a similar pre pay card with virgin they never ask me to send such document.
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possible bankruptcy
Hi As one of my debts I have a joint account I have been using in mine and my husbands name. He is now aware of this (not happy) as he has perfect credit history! i would like to remove his name out of the equasion before I deal with my debts as I do not want to drag him down with me. Does anyone know of anyway to do this…
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Yet another question about the car
Okay so if i they seize my car and then my mum buys a new car, she is thinking of doing this anyway would i still be able to claim for insurance and petrol and a bit towards the upkeep of the car? as she would let me use it for going to and from work (60 mile round trip monday to friday) and she would have it at the…
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How I got here!
Hello All! Well I thought it about time I introduced myself and thanked all you lovely folk for all the threads you put up. I've only been coming on here a few days after my sister told me about it and it's helped me so much already. Here's me: 25 female, separated with husband Xmas 07. He had some previous bad debts which…
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Clear Payday Loan
Hi, I have quite a few payday loans where the interest has been frozen, I am paying these back monthly, I recieved a letter from one of these companies saying they would be prepared to accept a reduced offer to clear the loan, I currently pay £40 per month towards a dept of £580. What sort of offer should I make them to…
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Credit Checking a Business - Who's Best?
Hi Guys, Sorry if this post is in the wrong section (mods will move it if necessary). I am about to enter a relationship with a supplier and I want to run a credit check on thier company. Is there a way that I can obtain a credit score and at least some basic information on them, without subscribing to the likes of credit…
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Interview with OR over!
I've just finished my chat with the OR. He was a very nice man and put me at ease. I didn't waffle at all and the chat only lasted 35 minutes. I'd put a lot of information in Section 13 of my form which helped to keep the chat shorter. He believes my car will be allowed and exempt, hopefully confirmation should come…
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ED is it in certain areas?
It seems that we have had loads of early discharges lately (something I thought would be in short supply given the rise in people going br) I'm just wondering if it's just certain areas that are using it as a way of clearing their books or if it's across the whole country? Congratulations though to everyone who does get ed!
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Child benefit now included in income for BR calculations
Just to let you know I've just had my chat with the OR and specifically asked about the inclusion of child benefit in the calculations for income/expenditure and surplus and he told me that within the last couple of weeks they have been informed they need to include the CB in the calculations. He said he understood it was…
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Credit Expert
Hi all, recently viewed my credit report free for a month through Credit Expert. After printing off my report I phoned them to cancel.. When they asked why I wanted to cancel I told them that I wanted to check it so I can update my report (defaults should now show as settled after being discharged from bankruptcy 18 months…
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RTLU Received
Recieved a letter saying my affairs been moved to the RTLU. I am searched the forum and understand that they usually deal with "asset" management IPA's etc and if anything is passed to them its usually a sign that the OR has concluded investigations into his case. I have no IPA and the only Asset is the house which is…
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Data controller addresses (credit clean up)
Hi all, Should the address to send credit file 'clean up' letters be the same as those held on the ICO website? I do know that there is that excellent 'sticky' at the top of this forum but some of the addresses are different on the ICO site, and I imagine may have changed, presumably due to all the changes and bank mergers…
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The end..... Discharged
I have tried to get on the forums all night.. someone trying to hack my mse account? finally managed to change password after 4 hours of trying.. I was so excited and couldnt share my news! Got home from work today to find a letter from the OR saying I was discharge from Bankruptcy on the 6th of July!!! 6 months to the day…
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*TOP TIP* Withdrawing Money from your Co-op account at Post Office
Hi Just some more info for you, which I have only just found out... When you withdraw at the Post Office, you can withdraw any money from a minimum of £2.50. So if your account only has £15.97, you can take this amount out at the post office, where at an ATM, you can only take out in multiples of £10.00. HTH
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Electron Card for ASDA Groceries
Hi all Just some info for you, in case you are not aware - In respect, when you shop on line for groceries at ASDA with your card. As soon as you place an order, then put a hold on your account for £1.00, to ensure that you have some funds in your account, and also that the account is valid. On the evening of the day…
