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what does this letter mean?
Just recieved a letter from moon beever. Details below "I write to confirm that as the Official Receiver has closed your file, no further payments are due" Does this mean I will get ED - AD due 24th November IPA was set up in Apr and I have made 1 payment but due to change of circumstances sent new SOA in (Benefits had…
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Letter after Discharge
Hi, I was discharged a couple of months ago, yesterday I received a statement from one my creditors included in the BR saying payment is overdue. Do I just ignore? or should I reply with a copy of my discharge
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Another Beneficial Interest question
Earlier this week I received my statment of affairs thingy for possible early discharge, but we still haven't heard what they are planning to do over my house. It is in little if any equity and the OR originally said he would right to my husband and he could buy it for a £1 plus costs 'to get it out of the…
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How do I know if I have been discharged?
I went BR last June, I know my discharge is automatic but is there anyway of finding out if I have been discharged? Is it listed on Individual Insolvency Register or not?
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Change of plan
Hi Folks,been reading all of your threads,and as usual you have lifted my spirits,Who needs prozac when I have you:D The renting side of things havnt gone to plan,agencies are charging an arm and a leg for credit checks etc,and there are just no private rentals available. We have decided to go br anyway,we have a dmp with…
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Building my credit rating 6 years after discharge
Hi I was wondering if anyone could point me in the right direction as to how I can build up my credit rating. I was bankrupt 6 years ago discharged after a year and still can't even get an overdraft. I'm with the tsb and have been since about a year after becoming bankrupt. I've done all the classic stuff such as electoral…
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A little help please
Hello, Im new and considering going BR. I have a few questions if anyone could help that would be great. 1. How do I do it? is it as simple as going to the court with the fees or do you have to make an appointment? 2. Will things like car insurance and house contents insurance be affected? I plan to use my girlfriends bank…
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Energy Suppliers
Official MoneySavingExpert.com insert For full info on how to find the cheapest energy tariffs, see the main website's Cheap Gas and Electricity guide, or for PERMANENTLY cheap energy join our free Cheap Energy Club. Back to the original post... I went BR in November 2009. I have just moved house and need to sort out an…
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template to send creditors to say you are BR
hi are there any templates around that i can send to my creditors as i went BR yesterday, but just wanted to send them out as it can take quite a while for the OR to sort things out with them, just want to stop the calls etc, thanks
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Ir rebate would or be unhappy if its used to repay a priorty debt
hi all just need some advice :) hubby and I are planning to go BR within the next three months well as soon as i can save up the fees and we have recieved a working families rebate from late year for 1400 well apart from our 2 c card and loan we also have an council tax overpayment debt of 390 and a housing benefit…
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Got OR date and pack through the post..
Not too nervous as feel well prepared. They have given me a time which is no good, am gonna have to ring up and change it, do they work after 5 or saturdays? Also they asked for last 12 months statements. I dont have them but if I provided them with my internet login stuff would that do? Finally, they asked for my bank…
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Iva, dmp or bankruptcy
Hi I have put this question on here before and still have no idea what to do. I have been in a DMP with CCCS since Sept 09 and this has been ok but following my review in Jan, an IVA was suggested. CCCSVA have been putting together my proposal but I have still to provide them with yet more info. I have been told that my…
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The London Gazette
Hiya - this is nothing to do with BR but I thought you guys might know!! I have also posted on another board as I had no idea where to ask. "Strange question and very random BUT I had to place a notice in The London Gazette and I used their forwarding service for all correspondence. I have only received one letter from…
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Bankruptcy and Possible Redundancy
Hi, Im new to this. I am going bankrupt tomorrow morning at 0915. I think i have everything in order and am nervously waiting for my time to come. I am employed and my office is considering a move to Cranwell which is 50 miles away from where we are now, the company are considering redundancies for people who are unable to…
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when and how is the IPA determined
hi, i currently have £2 surplus what are the chances the OR will lower my SOA outgoings to put a IPA in place?
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OR in Hull
Hi Has anyone dealt with the OR in the Hull, East Yorkshire area? If you have - just wondered what they were like.
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Why is Bankruptcy not on Credit File?
Have just had a look at my credit file with a view to starting to get it tidied up - great advice on the forum by the way, I've got a lot of letter writing to do. I have a number of defaults due to my bankruptcy in 2006, which are shown, but the fact that the tax man made me bankrupt doesn't seem to be shown at all. Is…
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credit after bankruptcy
I was just wondering how people have found obtaining credit after BR. Now I'm not talking cc and loans etc (believe me I have learnt my lesson and currently filling out my BR forms!!!). I was just thinking of mortgages as I would like to be able to hop back onto the property ladder at some point in the distant future and…
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Help with BR Forms - BR Tomorrow
Hi all, Going BR tomorrow ARGH!!!! On the BR Forms it asks how much cash you have in hand, well i cleared my co-op account today (just incase it gets frozen) should i declare this as its for my bills? Does the Clerk at the court check your forms and if you have filled in anything incorrectly do they inform you? Thanks…
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Tenancy Agreements
Hi all, I am currently undergoing a personal bankruptcy case and the insolvency service are requesting a copy of my tenancy agreement. However, the tenancy agreement is in my Mum's name, who has since moved out and bought her own property. I now rent the property alone with a friend. The tenancy agreement is due to be…
