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discharged 3 years and....
still cant get an account, i was advised to not get an account within my discharge period, however when i apply to any bank i get rejected. it has now nearly been 3 years since my discharge and i am having to use my girlfriends account for a few direct debits but really want one of my own. i have rung the fsa and they told…
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Letters Today
Had 4 letters from 1st Credit threaten legal action , been bankrupt just over 5 months now lol
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Defaults in credit file
Hi I have recently discharged from Bankcrupcy and am nowing trying clean up my credit file alittle, 1. I have 3 defaults still sitting on my account that were included in the order, is the lender entitled to keep them on,if so how long for? 2. I have a court judgement on my file given 2 days before bankcrupcy judgement…
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Urgent help please, very worried?
My husband and i went bankrupt on 2nd July. A few weeks ago we got a letter from the solicitor telling us we had now bought back the BI and the house was registered back in our name? Today we have a letter from the OR serving form 6.83 that if im reading right means they still have a right to our property? I am going out…
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soa any comments pls? thanks
hi, any thoughts on my soa? thanks very much i haven't included a car because i drive my mums. i live with my oh but i haven't included his wages as he is part time at college and his wages pay for his car getting to and from work etc. i get some cash from his but not a lot and not guaranteed. any ideas on this? also, oh…
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Co-op are driving me crazy!!!
I sent an application intially a couple of days before going BR but needed to send proof of ID, so thinking it would be quicker to take passport into my nearest branch (25 miles away!) I did that and the lady was lovely. I waited a week and heard nothing so rang co-op who said they hadnt recieved ID and rang the branch for…
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Whats this about preferred creditors? and stopping payments?
Another question from me! I've been reading some threads and am confused about the stopping of payments, and to who etc We are in the process of cancelling direct debits to our loan and credit card companies, but what about the internet and satellite? Are you meant to cancel those in case of preferred creditor or…
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BR Court fee's
Sorry if this is a silly question but how do most people pay the £510 BR fee ? For me and my husband we will be paying that each but at the mo do not have £1 spare between us! Any suggestions? Do most people just try and save up?
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Derby court
If I was to Petition for my own bankruptcy in Derby court would I be made bankrupt the same day I decided to go or am I better to phone up and ask also do you know if you can pay your bankruptcy fees in cash at Derby's combined court. Thanks Oregonuk1
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House Equity
Please help. I am new on this forum and hope someone can help me. I started a business as a sole trader about 3 years ago using my divorce settlement and credit cards for funding. My business did not go well and the current recession has not helped and I ended up owing around £30,000 to credit cards and loans plus another…
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dont know what to do
hi all new to this . i am aprox. £16000 to £20000 in debt i have been struggling to pay for sometime now but was mannaging somehow now the bomshell .i am waiting on divorce been seperated for 5 years now but ex wife wants half my pension which i recieve just now well pension £148 a month pays for loan i took out when i…
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Please check my SOA ... thanks!
Please view my SOA and let me know if it's okay. This is all my outgoings since I've stopped some since leaving job. thanks Monthly Income (after tax) Partner's Monthly Income Benefits Other Income (e.g. maintenance payments) Enter your monthly expenditure Amount (£) Mortgage payment (from secured debt table below)…
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car failed mot !!!
Hi guys quick question our car failed mot needs about £500 spent on it wifes dad said he would lend her money for another about £1 200 would ip then take this car any ideas oh nd we havent told inlaws about bankruptcy kinda keeping it to our selfs lol thanx in advance
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Broadband suppliers Grrrr........
Hi all, sorry not to say hello for a while.....but I now have my internet access back. I have just spent a delightful two weeks trying to explain to my phone/broadband supplier that I can't pay the pre BR bill (I have paid all since on the dot) because that would be preferring a creditor :rolleyes: so they cut me off. It…
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BR and wanting to move home?
Can I just ask if you go bankrupt and get to keep your home because of negative equity does anyone know if you are able to move house in the few years following bankrutcy? to either something of same value or less or does this still cause problems?
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missed payment
today i missed my first loan payment in past 4 years. what is the ppoint paying if im heading towards bankruptcy. may as well save the money. i dont like this feeling of missing payment...feel like ive done something wrong
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Halfway through BR!
I am now six months into my BR :j For anyone hesitating to do it I will say I have not regretted it for a minute. It has not been easy by any means but my life is so stress free compared to how I lived for years. I only wish I had done it earlier. So pleasant not to dread the phone ringing or the knock on the door :beer:
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Bankrupcy scotland -diy save money
Hi, We decided we had to go bankrupt due to benefits etc.. i contacted a insolvancy company who agreed this was the best thing to do and that they would look after us etc.. and file the bankrupcy..however the charges from various companies ranged from £180-£500 for their fee's plus the £100 legal fees paid to file the…
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Bankruptcy and marriage
Hi all my uncle is currently considering bankruptcy due to the debt he got into after a heart attack. He did not have any health insurance and so ended up living off credit, with the hope that one day he could return to work and begin to pay off the debt. However due to complications with his attack his doctor will not…
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Bankruptcy Admin Fees
Do i have to pay them if Im on Income based JSA? I also get CB and Child Tax Credits? If i do have to pay them, how do they expect me to pay if I don't have the money?
