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2 months after BR - joint account still open?
Hello, 2 months after BR, my only connection with my partner was a joint account around 90 pounds overdrawn, it looks like its still open. can i pay the overdraft off so it doesn't affect my partners credit record? is this allowed?
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I posted this on another thread, but......
..thought it has a relevance on here...see below.. http://news.bbc.co.uk/1/hi/uk/8289226.stm In reading the above link, I came across the quote below. I thought Dame Ellen has summed up precisely what is wrong with our way of life! Makes one realise just how much of our lives are actually governed and influenced by vested…
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Automatic discharge - what does it really mean?
Hi all I have just checked the insolvency register and I was discharged yesterday - woop woop! My only question is what happens next? I have a house which is going to be voluntarily repossed. The OR knows this. It was only decided in July when my partner and I split up and neither could keep it on alone. So we still have…
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First Plus Land Registry Charge
I have recently received a letter from FP statting that they have not been able to register there charge at the Land Register due to the first mortgage lender not having granted consent. Does this mean this loan is currently unsecured and FP have no charge on the house. Is the land registry the best place to find out? All…
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Clean Up credit file-DATE ISSUE
I have been cleaning up my credit file post BR reasonably successfully using the template letters. I had quite a few previous creditors to write to ;but over the last four moths most have acted to amend my file to satisfied. HOWEVER_despite using the template letter, withe the exeption of two creditors, everyone has…
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Former Lender not correcting credit file since 2006
Hi all, Been fairly sucessful in clearing up most errors on my credit file. However, one well-known lender, (despite various letters to data controller) has still not amended my credit file. I don't even receive a response from them! I wrote in 2006 and 2008, and sent them a letter last month ( all by recorded delivery)…
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Selling A House With Neg Equity
My situation in short Mortgage RBS £94,000.00 1st Plus Secured Loan £126,000.00 (inc ppp) Total £220,000.00 Unsecured debts £65,000.00 Current House Value £185,00.00 after estate agent and soliciter. My current plan is to sell my house and following advice from CAB take bankcruptcy. Having spoken to 1st Plus I need to get…
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Woohoo!!!!
:T Yaayyyyyyy, it's finally happened... After 6 long, repentant years MY CREDIT HISTORY IS CLEAR :j So, I've done all my mse stuff, all set and ready to go. I now understand money and why I went bankrupt in the 1st place. But I have one last question... Some forms e.g house insurance, ask "Have you ever been bankrupt?". Do…
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Cleaning CCJ's on credit file?
Hi folks, I'm cleaning my credit file, and the good news is i have around 6 or 7 letters to send out to get this done. I noticed that there were 2 CCJ references on there: information Judgement amount £xxx etc Can i clean these up now discharged or do they just sit there? Cheers
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Help please......
We have finally gone to see citizens advice for debt help after a long struggle. We thought we could stay on top of things but in reality we have just been getting deeper and deeper into debt. Now my husband's overtime has been cut, my business is experiencing a downturn so I can't take as much income and we are struggling…
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Set for October BR - preparing SOA
Looks like I'm all set to make my hearing appointment for this month. Would you please tell me what you think of the SOA. It's for 1 adult. Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1258 Partners monthly income after tax....... 0…
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Child benefit counted as income???
Hi all! Just been reading through some threads on here, and got the impression that child benefit is not counted as income for the SOA, so wouldn't go towards a possible surplus or cause for IPA. Am I right in getting that impression!??! :confused: Also, is it the same for child tax credit?? Many thx!…
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been foolish
quick history. I realised this post is full of waffle so this is my question it you don't want to read my life story.....how do I explain to the OR how I've spent so much money on crap and holidays? .......................... my wife & son left me over a year ago, this stretched my finances but I managed, we took…
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How to start a Credit History
Hi all, I'd like to know how a credit history is created from the start? Very confused:eek: I'm new to the country with no bank account, and have only recently registered myself onto the electoral roll, which I've been told will only be updated and reported to the C.A's after 1st Dec. Now question is: 1. Should I wait to…
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How do others manage ???
Hi, Discharged July 09 and have been self employed but have taken a lot of time off due to illness, have been managing ok financially but thought it was time to seek employment with an employer and rebuild my life. With no debts in the way now, iam hoping for a better future. Managed to get a job with a top employer but…
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Should I or shouldn't I
I wondering if I could have some opinions on going bankrupt please. I have around £30kof debt obtained about 7 years ago during a seperation. I started a dmp but due to changing situations kept failing to make the payments so now I don't have one. I have been doing a budget and have enough money to manage my bills sort…
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Early Discharge ???
Hi filled forms in for early discharge back in June at OR appt we ere told we should get ED but still heard nothing went BR 05th Nov 2008 so AD is only in a few weeks, spose they won't bother with ED, what do I need to do after AD to clean up credit search etc
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stupid question
Hi follks. Much appreciate your views . Had an appointment with solicitor in regard to sale of my house and court letter for GE Money taking repossession of the house. I now have got myself a rental property to which i can move in asap. Anyways solicitor advised that even with the sale of the house because I would still be…
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Groceries
Hi Folks, How much is a reasonable amount for 3 adults( me, partner and son) to spend on groceries in total per month. Chris
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Vol repo and Lha pre-bankrupcy
Has anyone been in the same situation before?, i would appreciate your views
