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is there any going back
once you have gone bankrupt, can you cancel it? While I know it is my only option, I am just considering the implications on other people and if they were awful, could I go back on it? L
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Self Employment and BR
Hi, I have just decided that BR is the route that I am going to take, but am not sure where I stand with my business. I am in full time employment but last year started a cake decorating business which I do in my spare time. It has not been very sucessful, mainly due to the fact that I didnt have any funds to put into it…
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Coping?
I just feel really despondent today, always try to be positive and keep optomistic no matter what. Keep saying that this is only money and that no one is going to die. But am so scared about the car and the consolidation loan that I keep getting palpitations. I am sure there are lots of you out there who have been through…
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Credit report cleanup !
Hi all, have been using CreditExpert free trial and have asked them to contact my defaults (Barclays and Aktiv Kapital) to ask them to clean up my credit file. They have already contacted Barclays who then promptly told them they were to get me to contact them direct of which I have done so this afternoon. I spoke to a…
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Life after discharge
Hi, everything has been going well since i was discharged last Nov 08. Nothing much to report about enjoying living debt free :D Only thing is i have a few questions. I want to train as a book keeper, can i do this now i am discharged? Is it correct you can not become a accountant now im discharged? Also i will eventually…
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Car Insurance
Hi everyone, we've just changed our car(old one went bang-literally). our insurance is with saga, but we were surprised that even though we had dropped from a 1600cc to 1400cc our insurance had actually gone up. As we went bankrupt 29/10 last year would it be better for us to wait till after AD to change insurance company…
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Credit Card Consolidation Loan
Have posted this previously but just posting again to see if I can catch any more answers. Sorry if this is irritating but I am desperate. Okay so earlier this year I took out a loan to consolidate my credit card debt (10k) the reason being that by making minimum payments I would be about 300 before I paid them off but…
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How far back do they check
Is it in every case that they will check 2 years bank statements and credit card statements. The OR did not mention anything about our statements in the interview:confused:
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6 years in the sin bin?
when does the 6 years "bad bad boy" start for credit blacklisting, from the date of BR or from ED or AD, only a hypothetical question, dont want/need credit, dalips taking me to skeggy for some caravan rocking and i thought id ask before we go
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Round 2 - OR interview done.....
Just a quick update, following my 2nd interview with the OR.... Yes, as EVERYONE told me, it wasn't a huge trauma, she was very nice, polite and not judgemental at all... Questions she asked were - Debts - why/when/what for Employment details - dates to and from Any assets - no car, house and nothing worth over 1k Why I…
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Gambling and bankryptcy
Hi guys We have declared bankruptcy and have just had our interview with the OR. I am in panic stations as I declared that I have gambled approx £1000 in the past, but have just been going through my last 2 years statements and it is more like £3000. As our debt is £60000, I know this has been no impact on our situation,…
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Help needed CRF clean up
Hi i have been checking my experian file, and i need to send a letter to my former creditors to clean my files up. I have read the Sticky about CRF and viewed the template letter to send to former creditors, the letter states that i should send my bankruptcy order and discharge notification. I do not have any notification…
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Letters from Creditors after Bankruptcy
Hi There, Havent been on for a while, but this site was my sanity when i was going through bankruptcy in 2007. Today i received a letter from The Abbey as well as a debit collection agency demanding £13,345, but that was part of my bankruptcy back in may 2007. Can anyone give me advice on what to do next. Should i phone…
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Help, unfair OR (I think)
Hi All, I need some advice, I went bankrupt in June and have had my interview. A few of my debts were to my parents which I paid back when I got a consolidation loan, I also paid all my other debts off. Being stupid and through various other reasons, I went back into my overdraft and ccards. This is the point I went BR.…
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Co-Op account.
My DH will be opening a Co-Op account prior to going bankrupt. As been told in a previous post, DH will have to ask OR if ok for account to be used etc, the only thing that concerns me, what happens if that account gets frozen? As my DH will be having his wages paid in there, and paying DD out of it, for rent, utilities…
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My story, hope it's helpful to others
I successfully petitioned for bankruptcy last October and expect to be automatically discharged this October. I ended up having outgoings larger than my incomings largely due to a marriage breakdown, high maintenance payments and a business that didn't do as well as expected. I owed about £50-60k to banks and credit cards.…
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Finance
Got a car with private and commercial finance going bankrupt at the end of the month anyone know if they are likely to let me keep the car if I can keep up the repayments? Thanks L
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I've seen my Report to Creditors - this is what's in it
Hi all, I hope everyone is alright - I've been lying low a bit lately as just waiting for things to happen, and have also been suffering whatever bug is going around too for a while so not been feeling as tip top as normal! So first I'm going to say welcome to the forum to the newbies, you have come to a fantastic place…
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Do i need to tell OR
ssafa helped me with fees for bankruptcy , over the years there help has been unbelieveble 2000 when medically retired from Royal Mail they paid for me to a domestic appliance repair course and paid for 2 weeks in a hotel in yorkshire and paid fuel to get there. 2003 i moved to cornwall after divorce but unfortunetly i had…
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Co op Bank **UPDATE**
Applied on monday for the account, just called them for an update as it went for refferal. They need to do a ID check on me so im popping into the branch this afternoon with some ID. Didnt get this far last time i applied so hopefully its a good sign
