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Question on credit check before renting
Hello all, Just a question about renting, Im looking at finding a place to rent before i go BR, but i have been told the letting agents do a credit check on you, i have no ccj's but have defaulted many times so my credit file is shot to pieces, will i still be able to get a place to rent?? Any help would be gratefull, i…
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Could I be told my situation isn't severe enough?
I don't have huge amounts of debt, but I know that this is the right option for me. I have around 14,000 of unsecured debt, but the problem is my house which is in huge negative equity. It's a joint mortgage with my ex, and she's not upholding her end of the bargain to contribute to the payments. I'm not in serious trouble…
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should I get my house valued?
I was wondering if I should get my house valued before going BR , it would be to put my mind at rest about our equity or lack of! and would the OR just take that as the figure or will they get valuers to confirm. Anyone had experience of this, I really want to keep my house we owe around 175000 on it , next door sold for…
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Help please!
hi im asking about my partner this might not be the right forum but youve always been helpful to me and any advice is greatful thanks in advance here we go! he was made redundant in march he is at the moment getting 90 a fortnight he has a car that is worth about 7500 and he owes the finance about 15000 so he cant sell it…
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Today is the day
That me and my OH can start to rebuild our life and give our son the life he deserves, a happy Mummy & Daddy who are no longer in debt. Today at 10am:eek: we are going to court and we will become a number and learn from our mistakes and never ever get a credit card or any credit again, its too much to all over again. I…
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i cant act
hi all just a get it off my chest moment...the tsb rung today tea time,the first time they have rung to query why we not got any money in from benefits to our account....we have changed them to post office card.however we still havw an overdraft with them,an they have now noticed we have no money coming in.i practiced what…
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Help please with my income/expenditure form
Im not sure how much i can claim for certain things now i have to fill my forms out. My husband is the sole earner and is financially responsible for us both and our 2 children aged two. Anyone know how much i can put down for house keeping? Clothing? and will i be allowed money for life insurance? thanks
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OR interveiw
Can anyone help please my husband went BR in March and had his interveiw on May 19th which lasted a good couple of hours. Since then he has heard nothing is this the norm, he thought he would have heard something from them by now. He is still getting some nasty demanding letters from the companies he owes. What should…
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does the OR tell you at the interview if your going to get a BRO?
Or do they just spring it on you months later?
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how much info is published about bankruptcy?
I just wondered if the amounts of your debts are publicly available for people to see, in the paper or online? thanks
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Mortgage shortfall query
Hi all Can I ask, if you go BR and have a mortgage on a house that you continue paying and living in but house is in neg equity and you have bought the BI, would the bank ask you to sign a deed of acknowledgement so they could chase you for shortfall if you ended up defaulting on the mortgage at some stage and they…
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My SOa
hi everyone, Can someone please have a look at my SOA below, please note that I am the only one going bankrupt, hubby will be doing an IVA. I am a bit surprised at the surplus amount as it isn't normally there at the end of the month!!! anyway I could bump my expenditure up a bit??? I kow the amount of the debt is…
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Child benefit
Despite given 3 weeks notice my child benefit was paid into my old aacount with HSBC that is 600 over its overdraft. I have spoken to the bank and they said they wont refund it to us. How do i stand trying to get it refunded through them!! If HSBC would have been considerate of our business then we wouldnt be in this…
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BR process - what order to do things?
So I've been slowly reading the site and trying to get my head around it all, but what would be handy would a list in order of first to last of things to do, if that makes sense? I'd hate to mess something up and cause myself a load of grief further on down the line just because I messed up at the beginning. I have a house…
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How to obtain credit report
I dont have a credit/debit card is there any other way of getting a copy of my report?
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Vanquish Credit Card
hi post bankrupt now sinc nov 2007, ive just applied and been accepted for a Vanquish Credit Card, im only going to be using this card to rebuild my history, but what i need to know is that is it better to use once a month and pay the amount back in full or leave a small amount on the card outstanding, any help would be…
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When will things change re: mortgage
My husband went bankrupt in 2004 so jan 2010 will be the 6 year magic number everyone talks about. He applied for a mortgage 3 months ago thru an advisor to do with homebuy direct we told her everything about his past and she said it will be no problem with gettin a mortgage she has put thru loads bankrupts, He got…
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Online insolvency form - how many copies required?
Hi guys If I fill in the form online, do I just take one copy of it to the court when I file for the BR or do I need more than one? I don't see anywhere on the form that it says to have more than one copy but I have read that some people have taken 3 copies. It's 35 pages per form so I just want to make sure I don't waste…
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Discharge questions
Today i was declared BR, its a long way down the road but what can you do different after discharged that you cant when undischarged? Can i apply for loans, creditcards, storecards, catalouge etc? (Not that i will!!!!!) Can i apply for a normal Bank account? If i come into money do i get to keep it? and After 6 years will…
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Someone is interested in buying our house but....
So, someone has approached us with a very real offer to buy our house from us. Our plan was to wait for the house to be reposessed but obviously this all takes time, our mortgage provider (Chelt & Glos) said they are not interested in our house until we have missed 6 monthly payments in a row, and firstplus who we have a…
