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Share save scheme?
Hi all, Just a query here. We're now discharged and my DH's IPA has been suspended due to decrease in income, increase in childcare costs etc. I've never had an IPA. Hubby's question is this: if we were to scrimp on housekeeping costs, not take a holiday etc and put the money into a share save sheme instead (which would be…
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Debt and credit offsetting - what are the rules ?
I seem to remember that one of the clauses in account agreements allowed for offsetting of credit balances against debit balances between accounts and perhaps even between products (perhaps credit card and bank account ?). However, I want to ask about banks and their subsidiaries and after debts have been sold on. Say you…
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Defaults listed on credit file + 6 years?
I made the unfortunate mistake of paying for the quarterly service from checkmyfile.com and see my bankruptcy is not listed anymore as I was discharged 1 September 2003. However, defaults and late payments from June 2003 are still showing and I thought they also disappeared from the credit file after six years…
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Confused-please help
My ex wife is soon to go BR and will force me the same way. I am a little confused on the payment of debt with IPA's. Assuming we both have an IPA,I understand they are paid monthly for three years. I also believe we both have to put down the whole value of joint debts on our application. If the IPA's and any bonuses…
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Early Discharge and RTLU
Hi Just had a letter (EDREV & IPOQ) stating that we may be considered for an early discharge. BR date was 22/01/09. We had confirmation quite some time ago that the OR had completed investigation and was happy with the outcome and no IPA would be put in place and that the file was being sent to the RTLU. When we send back…
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mortgage after br
does anybody know of any mortgage companies that will give you a loan for a house straight after br release i know most want you to wait 2 years but have heard of companies that will lend straight away. we are not looking to start building up debt again but want to get straight back on the property ladder and start…
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Credit Card
Another query for you all! I had a letter from a bank yesterday with whom I had a credit card before I was married so is in maiden name and I had forgotten about there is nil balance on it and I never mentioned it to the OR. They said if I didn't use my card by the end of November then they would shut my account. Question,…
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TotallyDespairs is gonna be done for murder maybe...calm down girl
:mad::mad::mad::mad::mad::mad:OH has just come in after going to see his brother in law who was told that OH was contemplating BR and its implications, brother in law said at the time, hey if you want me to buy an car and you can use it just let me know, OH was slightly taken aback at such a "generous" offer and said he…
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just waiting for the phoo to hit fan
been to CAB and they have said to go bankrupt. just as i thought with debets of 34000. not bothered about a bit of hassele till forms are filled in and returned to CAB, just whant to ask a couple of qestions please. i have a account with the co-op but with a overdraft, i am going to close the overdraft and ask for just a…
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Going br soon
Can someone advise (thanks in advance) Ive been on here a few times asking various questions. The time has come and I am now 75% through completing my forms online to go BR very soon. My question is: I work for a company based in UK but I work abroad for them, I basically get paid in cash and then I have to account for my…
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Credit File Not Showing Bankruptcy?
I'm a discharged bankrupt and am in the process of cleaning up my credit files. So far I just have the one from Equifax. My name and address are correct but there's no mention of my bankruptcy or any of the defaults leading up to it. How can this be? Should I just keep quiet about it? Many thanks
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London Gazette Entries
Afternoon All I have just been nosing round the Insolvencey site and The London Gazette site and was wondering what one of the things on the LGazette site meant. Looking at my friends entry in there it showed her as 169.7% of what? is that credit rating or a negativity rating? Other folks % ratings ranged up and down but…
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can someone give advice on this for me ?
I have been BR for nearly 3 months now and all letters have stopped as the creditors have all been informed, there was only 2 who kept on writing, HSBC and MBNA, the former demanding the 8k i owed them all at once, i ignored this and never got any more, and the MBNA sent a few just really debt letters but they stopped, but…
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Question on creditor/DCA chasing joint account debt after BR...
Morning all, hope everyone is well. Wonder if anyone on here can help me. As some of you know, I went BR in March (Can't believe it's been 6 months already!). This may not be the right forum for this, but I know this is THE forum where there is the most experience of creditors chasing you etc. Apologies if this is a long…
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Appointment on Wed 23rd
hiya all, Got my appointment at the court on wed 23rd got to be there at 8.45am To be honest i cannot wait all the phone calls (2 this morning already) and letter from the companys is really gettign me down 1 company reings me every day sometimes twice!!! getting all my forms sorted this weekend so i am ready thank for the…
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job
Hi, went bankrupt in march this year and have finally got a job . hadit for 3 weeks should i tell my trustee now or tell them wheb n i get paid - 2 weeks. will i get a nil tax code. Cheers Chris.
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New Here!
Hi All, I am new here - just filling in my SOA to declare myself bankrupt ASAP. I am £43K in debt through unsecure loans and credit cards. Extremely embarrasing, but I am starting to 'see the light'. I am looking forward to meeting new friends on here - I appreciate all the stories I have read so far! Neil
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IPA question
I had my OR interview yesterday and all went well .I was told by the examiner that I wiil get an IPA ,which I was expecting and im fine with this.How long is it before the IPA starts and also will the OR office send me confirmation of my car being exempt ?
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filling in soa is there certain figures that should be put in?
Hi all, Im just about to fill in soa form but was wondering whether there was a site that gave the right sort of figures to put in , what the allowances are per individual etc..:confused: any help would be appreciated, enjoy the weekend everyone:beer: spike
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Several questions, advice needed please
My husband sent his Ed letter and questionnaire back on 20 july, as of yet we have not heard anything, if he was to get ED would he have got it by now. We are both br, I have only 11 weeks left to AD, the mortgage payment in October is coming down by a third, we do not have an IPA in force. Am I right in thinking we have…
