-
credit file clean up.
Hi all, i would like to clean up my credit file as now discharged , i can see the experian is all clean & up to date but equifax is a mess. How do i get these files cleaned up? They seem to have more information on me than experian?? & some say setteled & other's dafaulted.?? Thanks in advance.
-
How do you guys cope with this?
Hello All, I am just in the beginning phases of financial trouble, having moved out of house due to seperation, finances really getting stretched, threat of redundacy. Have started to get advice but at mo up to date with all payments, but know worst is still to come but have good family and friends otherwise do not know…
-
How do I remove interim CO's from Land Regisry
Hi all. I have had confirmation back from TLT today that the OR's interest in our property has been removed from the LR after we bought back the BI. However where looking through the LR document there are restriction entries for two interim charging orders. These were not made final and both were included in my BR and I…
-
Bankruptcy from Abroad
Help! We have got ourselves into a bit of a situation and are 18k in debt to a single debtor. We were paying off the loan without problem but had our house on the market with the intention of emigrating. When the house eventually sold, it went for 50k less than it was advertised at, which meant we had far less than we…
-
br form TNIDIS - help please
one of the forms i have to return to my OR is a TNIDIS (to hmrc and dwp). on it, i have to state my tax reference number and my employer?? i haven't been employed for 5 years so my 'income' is incapacity benefit. what do i put on the form? i no lomger have any details from when i was employed so tax reference??? its all so…
-
Looking like going Bankrupt to start again. Looking for advice....
I'm looking to go bankrupt and basically start my life again. I have spoke to a website/company called www.debtrelieforder.co.uk. They gave good advice, and then said they can deal with absolutely everything for £300. Including dealing with all the creditors calls and letters. Is this worth it? Or is it simple to do or get…
-
need a valuation on shared ownership
Hi, I am very new to all this but i have been reading the posts on here and everyone is so supportive!! I have been to CAB and they have suggested i go br. They told me i need to get my flat valued to prove i am in negative equity. My only problem is that i am in shared ownership flat (i own 45%) and to get a valuation i…
-
Register and insure car in someone else's name???
Can anyone tell me if or how you can manage to 'hide' a vehicle from the OR? I am self employed and have a van which I need as my job as I work alone and all over the place all over the country, so I would like to think the OR will allow me to keep it, it is the only vehicle in the household as well. I have recently had a…
-
black horse default, after SEQUESTRATION
Hi there, I am in Glasgow. I was sequestrated in 2006, and formally discharged in July 2009. I went to open a bank account in July 2010, and was refused an overdraft because Black Horse Finance defaulted me in June 2007. This was for a HP Vehicle agreement in March 2002. It was for a 4 year finance agreement that was to…
-
OR interview tomorrow
Hiya, got my OR phone interview in the morning, bit scared about it even tho she sounded lovely when i spoke to her earlier in the week. Few questions If my only income is benefits & child maintenance and i have a surplus can they touch it? & how much can i expect to pay from surplus? Also, my bank has frozen my account so…
-
All For Nothing
I've only just got round to seeing if theres any mail. Theres a letter from the Court saying the claimant has possession of my home, which i know,( but i thought its the OR's interest, primarily ), but it also says it is adjudged that the claimant recover against the defendant the sum of £* for debt and interest to date of…
-
secured debt post bankruptcy?
Hi I wondered if anyone could give me some advice? I declared myself bankrupt 2 yrs ago and at the time i thought all debts would be taken care of however my secured debts remained, had I known this before my decision may have been different. 1 yr on after discharge I remain unable to pay my secured debts and my mortgage,…
-
Vol Repo letter
Hiya, I am just writing my letter to NR to tell them we're surrendering our property and I have just put regards, then our names. Do I need to sign the letter, or put a contact tel number or add etc? How long does it take for them to repossess? Thanks Sophie
-
Help
Hi We are in a terrible mess and dont know what will happen next. Firstly I have a Trust Deed which began in July. It was a relief to get everything sorted and I have been sticking to my budget. Things have changed though as my partner has been off work for almost 6 months. He doesnt have critical illness cover but has…
-
ED what to do now
just checked the IS site and found i got my ED on 3rd Sept:j:j after going br in feb. first of all would like to thank everybody on here who has helped me through a very difficult part of my life such great advice and help even if a lot of it was reading other peoples experiences. I may sound a bit stupid after all the…
-
Bankruptcy
My Wife and I have managed to get in to a serious amount of debt, £84k to be precise. We were managing to pay everything up to the point where Northern Rock decided not to let us pay interest only on our Together Mortgage anymore and our payments went up by £500pm. We tried for an IVA but as Northern Rock are our biggest…
-
Bit of further advice please!
I am going to declare bankrupt. I co-habit with my partner, we rent but only his name is on the tenancy and we have checked the rental agreement re BR and there is no clause that we can see on there. When I declare BR will my partner be involved at all? We do not have anything in joint names etc, no joint bank account.…
-
What happens if I get a BRO?
Hi all, I'm a few months into my BR. I'm worried that I'll get a BRO as I had a lot of debt and some of my creditors are not happy that I'm walking away from the debt. Basically I think they will kick up a stink with the OR. So, if I end up with a BRO can I trade as sole trader after my BR? I'm not on any agreements to pay…
-
LILA in Scotland
I'm trying to fill out the forms for LILA (Low Income Low Asset bankruptcy), the problem I'm having is that it's been over 3 years since I made any payments and despite getting regular letters from various debt companies (the most frequent one is a company called Lowell Financial) I have no idea which debt company holds…
-
Bankruptcy and Joint Bank Accounts
Okay guys, I have another question, this time about bankruptcy and a joint bank account. My partner and I have a joint bank account with HSBC. We have separate current accounts that our wages are paid into and this was purely used as a bills account – we both paid a set amount in every month and our joint household bills…
