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Bank account
If I open an barclays basic card account prior to Bankruptcy should I put it in my bankruptcy petition or leave it off so it will not be closed for my direct debits?. Just would like the take on what people have done? Oregonuk1
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Provident Money Card Build Your Credit Rating
Hi All The Provident Money card http://www.providentpersonalcredit.com/loans/money-card/ It's VERY expensive BUT its worth taking out even if you just use it to re-build your credit rating. I was accepted over the phone even though I'm BR. But the local office turned me down as I live in rural Norfolk and they don't have…
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Official receiver
Official receiver will the official receiver want to come to my parents house where I live and check that what fixtures and fitting I have are correct in my bankruptcy petition. I have in my Room 1 CRT TV worth £50.00 about 10 years old 1 Digital box worth £20.00 1 Bed clothes like 2 pair of trowses 6 jeans 15 t shirts 5…
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Bankruptcy & Defaults
Hi All Only 15th July 2008 I was declared bankrupt and obviously as a result I stopped paying my creditors. The problem I having is with Littlewoods (Shop Direct Finance Company). Up until the date of my bankruptcy my repayments were all up to date, after I was declared bankrupt I stopped paying them. When I was discharged…
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Please Please can anyone help!!!!!!!!!
This is the situation, my husbands Ltd company was liquidated last year due to customers who owed him money going bankrupt leaving him unable to pay his creditors. This devastated both of us as we have never owed anybody anything before and always been very carefull with money. Being Ltd the debts would be paid off as much…
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First Post - Help with IPA (Bonus payments)
Hi, Please can someone help me with this, when you are bankrupt, can the OR take bonus payments into consideration or not? I have a job that has an annual salary, however, I do get a monthly bonus based on performance and this varies month to month. I know the percentages that they take from you in relation to monthly…
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Trying to keep my job - Advice needed please
i work for a finance company and have a loan with them If i pay my loan so that it is not part of the bankruptcy then i can keep my job Oh its a right mess.... If i know my job is safe then i can borrow the money from family to apply for an annulment So i would like to pay my loan to the company that i work for but would…
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Ipa from ipoq
If you were to get a IPA from sending in IPOQ i realise you can get a IPA at anytime but normally how soon do you hear if you have one
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HMRC debt
Is it classed as a non essential debt? It's for over payment of Tax Credits.
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Advise please!??!
Hey all, hope good wkds are being enjoyed by all. Few questions here if anyone has a minute to answer that would be great, ta!!! 1. We have stopped paying mortgage in order to save rent/bankruptcy fees (and we don't have the money to pay for the mortgage), and then will do vol repo. Looks like we won't have enough by the…
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My 1st Missed payment
Just been watching shackleton on TV brings back a few memories i was on HMS Endurance having spent alot of time in the Antarctic. During and prior the Falklands War , it was during the war having spent 4 months at sea when we had mail and i had my 1st missed payment i consequently sent mastercard a letter reason why my…
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Social Fund
Is it wise me accepting a Social Fund if I intend to go Bankrupt within the next month or so? Part of me was thinking of accepting it and using it towards my Admin Fees but not sure which option is going to be the best one? Any ideas?
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Bankruptcy here I come.
Hi all I've been lurking on the boards for a while and have found a lot of help on here. I have been struggling along attempting to pay my debts for several months now. After a meeting with a CAB advisor it appears bankruptcy is my best option:eek: Its a very scary prospect but I guess its better than struggling as I am at…
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Creditors missing off credit file !
My husband is writing to his creditors for them to update his credit file as he has now been discharged a month ago. when he checked his credt files some of the creditors are missing, Intelligent finance overdraft and credit card and Barclaycard and Barclays loan. They are nowhere to be seen, why would this be, they were…
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DCA...is this a new tactic [or..tictac?}
I've been gloriously BR since MAY.... Over the past two weeks I have recieved a couple of letters from a DCA..[West something-or-other??].....not actually addressed to me, but with MY address. First was the usual threatening letter..of which I have seen so many in the past...[hot-air letters] Second was a 'statement'.....…
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Money in frozen bank account
Hi I have recently been made bankrupt. My bank account at the time was in credit to the tune of £4000 which was a loan from my parents to enable me to continue with everyday living and business expenses. The receiver now informs me that they will freeze my account, including the loan from my parents.Do I have any recourse…
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CCJ's dated after BR
Hi Having checked my credit file I have noticed that I have 5 judgements all dated after I went BR. Can I ask them to be removed? Thanks
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Bank account for a bankrupt
Hi.. This is maybe a bit of a double edged thread but primarily the question relates to bank accs. I have recently been declared bankrupt and and due to lack of funds in my account 1 month of DD's went unpaid, while they are allowing me to retain the account, my bank (coop) will no longer allow me to have direct debits set…
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looks like things are finally moving. advice please???
Hello to all, things have finally started to move along. This morning O.H and I have received letters from Max recovery. They all say as follows:- We are required to send statements in compliance with the consumer credit act 1974 until such point that there are no sums payable under your agreement and no sums that will…
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A new bit added to the IS Technical Manual
After the change regarding child benefit, the IS has now added THIS to the Technical Manual Some may find it helpfull in understanding how an IPA is calculated when benefits are involved. Fermi, you may want to add it to the sticky:confused:
