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Debt Collectors Threatening to Visit House
Help - Lloyds have handed over my loan to a company called Robinson Waye based in Manchester. I have been avoiding talking to them on the phone as I have seen advised her - I am in the process of getting ready to go bankrupt. They have now sent a letter threatening to send a debt collector to arrange terms on which I can…
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Direct payments for care cheque account bankruptcy
Hi all i am a disabled woman who has home care from social services .i have the option of direct payments to me so that i can employ one person to deliver the care i need. 4 years ago i made myself bankrupt after paying out on an iva for two years. I recieve all the the correct benefits which are paid through nationwide bs…
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sorry another last minute Q
i have just received my latest housing benefit and council tax letter this morning, although they confuse the hell out of me it seems i am no longer entitled to any HB, its taken them a while to sort my last change of details so i think i now owe them about £150...my Q is, should i pay this (its a council property) or put…
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blacklist / failed credit check
ok, i was on the phone to vodafone and failed a credit check, i dont understand why or how but basically... the house was a reposession, and there have been a lot of bills to the previous occupant that we have returned, it seems the bills have never been paid... so basically would this have caused the house to be black…
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finalising paperwork and a Q
I am in court tomorrow, so just finishing off my paperwork just wondered when i go tomorrow i am going to let them keep my life insurance and take a new one out, will be a little bit more but i can have one which runs longer, but going to pay to keep the one i hold and pay for for my ex as would be to much messing about…
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Credit repair after Trust Deed
Hi, I recently came out of a Scottish Trust Deed in July and am in the process of trying to improve my credit rating. All the defaults on my account relate to the trust deed so I wrote to each company asking them to update my profile. All the defaults are still on there, however 2 do now say partial settlement and…
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am i insolvent?
Just posted this on the debt free wannabee tread but I think im Insolvent? I have posted here before.. but I have just sat down and written this and i feel sick.. its just clicked.. there is no way out is there? Hi Guys .. me again! The last 6 weeks my life has changed in more ways than one! my house completes its sale at…
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Savings & House
Hi, I'm sure this has been ansered many time before on these forums but I'm afarid I just don't have time to sift through all the threads. My parents are set to declare bankruptcy very shortly and I have a couple of questions: 1. My mother has £30K in a savings account (nowhere near enought to stave off bankruptcy) that…
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Corporate credit card?
Hi again guys, another question! I need to do quite a bit of travelling with my job and I've got a corporate credit card that I use to pay for hotels etc and then claim back. There's no option but to settle each month in full, and then I have to ensure I've claimed my expenses in time for them to take the money from my…
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IVA/Bankrupcy
Hi, Just wondered if anyone has experience of either of these in N.Ire. We have been advised to apply for either but are worried about the aftermath of both. was informed bankruptcy would mean our name in the paper along with our address i cant bear this as only a few people know our situation and none of them are family.…
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Have I made an IVA with my creditors?
Hi, I'd like some advice on Bankruptcy and IVAs please! Last year, I had a very bad year. I was pretty much on top of my debts, paying them off pretty quickly. Then I fell victim of a very good conman who really messed my life up. He landed me in a lot of debt - I've explored all the possible avenues but the long and short…
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Does BR impact others living with you?
Another quick question! ...If i was to move in with a new partner, would the fact that I was living at their address with a BR on my record affect their credit rating etc. at all? D4H
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Bank accounts - please help!!
Hi guys - I am going out of my mind. Applied for a Co Op Cashminder account nearly 3 weeks ago, I was accepted over the phone and the very lovely, helpful lady said that as I was applying over the phone I would have to send in a utility bill or bank statement when I received my welcome pack, some proof of address etc. But…
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How long does it take? And should I do it now or let things get worse?
Me again I'm afraid! A couple of questions: - How long does it take from making the decision to go BR and starting the ball rolling, to actually being declared? - Can anyone give any advice as to whether I should do it now or wait? Ex hubby is still in house but not paid mortgage for a month or two and has no intention of…
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Help with Soa please
anyone? Quote: Thanks for all the advice... but i am still confused! Sorry to appear totally dense, but we have put different amounts on each SoA- My partners has his wages, my wages, and all outgoings on it- mine has my wages, my child support and child benefit on it, and all outgoings apart from one cost he has which is…
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home buying
hi everyone its been a while, have been bankrupt now for 2 months and im starting to get used to it. however just wondering if anyones gone bankrupt and got a mortgage in their first year?
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bankruptcy?
Hi i am new to this site for posts but am very confused and would like to hear from people who have been in a similar position. I have reached a point where i can't keep up with my debt repayments (all unsecured, no house) and am reducing my hours at work due to ill health. I think that the best option is bankruptcy, i…
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Virgin Media
has anyone tried signing upto virgin broadband since going bankrupt. fed up with BT speeds
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Referred for Cashminder account
Went to open a Cashminder account in branch on Saturday and was referred like many others have been lately. It seems the Co-op just refers everyone now, regardless of how you apply. I asked why they needed to credit check me and the bloke said it's a) so they know what else they can offer me and b) so they can check for…
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Moving on post BR, help needed with a couple of queries
I will shortly be automatically discharged and am looking to the future and how to move forward. There are a few things that I would appreciate some help in clarifying 1) How long is it likely to be before myself and my girlfriend will be able to get a joint mortgage? She has a mortgaged property at present and would be…
