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Nearly there
Hi guys I have been rather absent for the past couple of months. Getting ready for Christmas has been taking my time - been busy watching/reading the OS Organised for Christmas and Challenge: Handmade 2010 xmas andNew Thrifty Gifty - Organised for Christmas and all occasions 2010- Santas Challenges boards along with the…
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help needed - stat demand
Hi there - if this is in the wrong place then please move it - but i desperately need some advice. My husband was in partnership with a man who defrauded RBS to the tune of 100 thoudand pounds - as my husband was also a director RBS contacted him regarding repaying the loan but we disputed this, got a solicitor on the case…
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Rent on house
Speaking to a few IP’s about my potential SOA and they have all highlighted that the rent I pay for our house is quite high. We have only just secured this house with a private landlord. Getting a house due to our credit history was difficult enough before potentially going BR Could the OR make us move? If so I don’t know…
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After discharge
Hi all i was discharged from BR in September, ive heard that i should now start cleaning my credit file, is this true? Is there anything i need to get to start doing this? Credit reports? Will i need a certificate of discharge? More than one copy? Or will just a letter from the OR do? etc, thanks in advance. :)
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HELP Im faced with a huge tax bill i shouldnt have
I started a business with my ex partner a few years back... the relationship broke down and they agreed to take over..they told me my name had been taken off the busines so i wa happy , but as it turns out they didnt pay the hrmc for a year then declared banruptcy and never took my name off the papers.. now im faced with a…
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mortgages?
hi everyone just been a year out of bankruptcy now (or just coming up to) and everything is going really well..... apart from the fact our landlord wants his house back as he is in financial difficulty and wants to live there!!!! our contract runs out at the end of Feb and am PANICING!!!! ok we are looking round loads of…
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Interesting one this...
I am currently BR as of August. Today I have received a letter from a debt collection agency saying I owe the DVLA £80 for non payment of car tax. The thing is, the car was repossessed a year ago by the finance company. The outstanding finance is in my BR. What do I do now? The V5 went with the car and so I was unable to…
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Second opinion needed
Hello, I am planning to go bankrupt soon, probably initiating proceedings later this week. I have in total approximately £20,000 in debts (including the interest), £14,000 without interest. I am currently long-term unemployed earning £261 per month, although starting a franchise business (I've already paid the investment…
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register up-date
I have just tried yet again to get my AD notice from the IS site but it looks like we are all going to have to wait a little longer as they still have problems :( http://www.insolvency.gov.uk/eiir/
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If my mother goes bankrupt would my father lose the house?
Hi, My 72 year old mother has substantial debt that she will never be able to repay in her lifetime. She lives with my father and brother. My father originally bought the house, and always paid the mortgage. He is now a few months away from finishing his mortgage (he actually re-mortgaged to repay part of her debt,…
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Tax Underpayment from HMRC. Could it be related to Nil Tax code during BR?
Hi My husband has just received a P800 Tax calculation from HMRC through the post, which states he has underpaid tax for tax year 2009-2010 and owes them £746. They say they will collect the underpayment from April 2011 through his tax code over 12 months. We went BR in August 2009 and he paid a Nil Tax IPA for 3 months…
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Early Discharge!
Through all the doom and gloom of being very ill with flu, through my daughter being admitted to hospital last week and my husband breaking his foot i've just had a letter through my door saying I was discharged on the 26th November. I was made BR early May. :beer:
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Just had OR Interview
Really nice and pleasant guy, which was a relief as I had been dreading this more than actually going to the court. On the phone for 58 minutes, which didn't seem that long. Went through my reasons for BR, my creditors, dates of each debt and what I used the money for ( I had 5 creditors), but the main thing is that he was…
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Ex-bankrupt and gifting a property
Hi I wonder if anyone can help me ? I am a discharged bankrupt living in a rental property owned by my parents. I have been discharged now for 2 years. The property is quite cheap for London (£175,000) and it could be a good way to get me back on property ladder. It was suggested by a mortgage broker that my parents…
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NOt sure about stopping payments, advice needed
Hi All My husband and I have been struggling for a couple of years now with debt and further changes have forced us to seriously consider applying for bankruptcy. We are currently on an informal short term arrangement with unsecured creditors. In Sept and Oct we took a payment break on our mortgage (we had hoped our…
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Wescott Grrr!!!
Made Bankrupt in June this year. Wescot Debt collection agency have written to me 3 times now since June. I rang them, gave them court number, plus sent them a copy of the Bankruptcy order. They are claiming they have not got the full postal code of the receivers office. (bafulls me why they cannot find it when they have…
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IVA or Bankruptcy?
Hello a mate of mine has got an IVA which he is struggling to keep up the repayments. He is in private rented accommodation and has now told me in order to pay the IVA this month he has paid it out of his rent money and is intending to do the same again next month. He is paranoid he will be given notice to quit. He has no…
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Part buy part rent schemes?
Does anyone know if discharged bankrupts (4 years ago declared bankrupt), can apply for these part buy part rent schemes? As some sites say you must have a clean credit report. So does that mean after 6 years, my report will be clean and therefore i will be eligable? any help appreciated. kath
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credit file/report
just curious, I ordered my stautory report this week just to see what it looks like during BR and I have a few questions. It shows my current bank accounts (which are running fine of course) and my mobile (which I didn't include in BR and have never missed a payment), as such, will these add to helping repair my credit…
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Unpaid tax letter - connected with bankruptcy
I recieved a letter from HMRC saying i'd underpaid my tax by nearly 2500k - during the 2008/09 tax year. This was the same tax year in which I went bankrupt - and after a 30 minute wait on their phone line this morning I was informed that they have had lots of calls about unpaid tax for those who have gone bankrupt - and…
