-
Not everyone is mean :)
Went BR on Tuesday, opened a Barclays account today. The lady handling it was very nice -- said her sister was bankrupt so she sympathised :) Later on (and independently of this) Mercers called on behalf of Barclaycard. (They've called a million times but I'm only now answering the phone.) I told the guy I was BR and he…
-
Company Expenses on SOA?
Hi, I've tried to find answer on search, but no luck :( Hopefully someone will be able to help. I've been asked to travel to a different location for my work, here's what I have: Travel from home to work (35 miles each way) included in salary - so I pay expenses, cleared by OR. Work now want me to go to another site for a…
-
Bankruptcy has been reccommended
I have just spoken to someone from IVA.com who has passed my details over to vincent bond as she feels bankruptcy is the way forward as my disposable income is not high enough. Does this seem correct? i stressed that i work in banking and since i'm just a cashier now it may not affect my job, but obviously an IVA is…
-
SOA question
Hi i am hoping to go BR in the next few weeks. just a questions re SOA. My partner works full time. we jointly receive HB and tax credits. She receives DLA and i receive carers allowance. i also receive child benefit. so when doing my SOA do i have to put down every single bill i have, my partner has (i.e. her life…
-
Court date
I have at last made my appointment but its not until the beginning of Aug! I felt sick making the appointment. I dont know how Im going to put creditors off til then. I feel awful I know I have no choice now but still feel ashamed and embarrassed. I really dont want anyone to know and I know its unlikely t bein local…
-
when is the best time
When do you think the best time is to transfer all my DD and Tax Credits and Child Benefit monies I am aiming on doing the BR end of August/Sept ? I already have a Cashminder account with Co-OP will it still be ok to carry on using it so long as i mention it to the OR that it is just a basic account ? will he freeze it tho…
-
Bankruptcy Advice
If i take out a loan (assuming I can get one) and pay for the Bankruptcy with it...can I then get that loan written off. I realise this sounds dodgy but raising the £600 is getting me deeper into debt anyway. Cheers Bryn
-
How to stop mail for someone else?
I'm still getting frequent mail from a debt collection agency for the tenant of the previous house owner. They both left before I moved in. I have written to the company returning three or four of the letters stating that I am not the person they are trying to contact or send information to and requested them to stop…
-
what else do I need to do before wednesday
So far I have completed the forms on line for me and the oh and printed out 3 times, we have our £1,200 sitting in the fridge (was saved up with last months mortgage money), we're trying to get as much money out of our joint account as possible so we have something to survive on for the next month. Am going to check the…
-
Claim for Reposession form ?????
Hi All, Wonder if anyone can advise on our query. We went bankrupt in Aug last year and have now been discharged, we moved out of the mortgaged property and now happily rent. The Mortgage co ( Northern Rock ) are in the process of repossessing the property, which we are not contesting. We have recieved some paperwork (…
-
DMP Never ending interest charges help please
Got myself into a mess financially so went for a personal DMP. One creditor is brilliant - with no interest charged any more. However the remaining ones still make charges which are higher than the monthly payments. I have a joint mortgage with my husband who does not want to go down the DMP or IVA route and he is prepared…
-
Financial Associations question
I'm trying to sort my credit file out and have sent away my letters but am stuck as what to do about the financial association with my ex partner. They are for things like a joint mortgage and joint loan. Obviously I am no longer responsible for these as they went into the BR so can I ask to be disassociated from him? Oh…
-
Happy, happy again!!!!
Just had my post through the door, lovely letter from tlt or's solicitors, with office copy of reigster of title, officially or removed from the title, we now own our house again, well apart from the mortgage!!! We didnt have to do a thing, apart from pay our money, and sign the deed of assignment, so it can be done…
-
Cleaning Up Credit Record
My brother went bankrupt in Feb '09, discharged Feb this year. Im helping him clean up his file. He was a builder and had a fair few houses so there's a lot of entries to go through. Couple of quick questions. 1.) There are muliple entries from one mortgage company. Will one letter suffice to cover all or should I do one…
-
just an update
Hi guys, Due in court regarding ccj,from incasso,they want to put a charge on the house,16th july.Basically theywant more money out of us,we have been paying £87,they want £250,which they took(via cccs) which left !!!!!! all for the other creditors,we pay 350 in total. Loads of letters,no phone calls ??? just biding our…
-
Repossession, Bankruptcy and CRFs
Hi, I love the forum and read and learn lots from it :j My story and question... I went bankrupt in Feb 2009 and was ED in July 2009 (I know 5 months!). My OR knew I was in arrears with my mortgage but the mortgage company didn't formally repossess my house until June 2009 (voluntary in the end). In fact the main reason I…
-
CRF - Is it worth it?
Hello, I'm just starting to send out my clean up letters. I have this entry on one of my accounts and wondered if it's actually worth correcting it. The defaulted date is only two months past BR date but rest of info is ok. Br date 27/07/2009 ED 28/01/2010 The entry below is copied from clean up sticky but dates are mine..…
-
New job & IPA.
Hi, My partner went BR in July 2009 so ad is approx 5 - 6wkkes. He was working at the time & got an IPA of £140.00pm. He made first payment then lost his job. Told MB IPA suspended. He's been job hunting but nothing much coming up. However if he did get a job before ad, would he be asked for a new IPA or would MB just lift…
-
Student loan arrears
Hi I know that student loans dont get wiped off with bankruptcy however what happens to arrears. I am currently paying £150 a month towards my arrears plus paying the 10% through PAYE. After bankruptcy what happens with regards to my repayment plan as I wont be able to afford to pay the extra £150. Will the tax office then…
-
CF Cleanup - odd response
Hi everyone. Its been a few months since I have been on the forum, but am back once again for a bit of help. Hopefully this will be a quick one as I'm certain I've seen the reply and other similar posts on here, but can't for the life of me find what I'm looking for. I have started my CF cleanup after being discharched…
