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CCJs missing?
Hi, I hope somebody out there is able to enlighten me: I am sorting out a Debt Relief Order and I have finally got my two credit reports from Equifax and Experian (after weeks of waiting, but that's another story!) I should have two CCJs entered against me, but none are showing on my credit report from either company. I…
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Automatically Discharged Yesterday!!!
This year has gone faster than I could imagine. I've no IPA because of unfortunate health problems & living solely on state benefits so my bankruptcy is now completely behind me. I can safely say that I will never owe anything to anyone ever again as I have spent the last 12 months living purely on my real income and the…
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Discharge suspended - Please Advice
Hi, I was AD last week. Now I got a letter from OR that my discharge will suspending. Reason is, that I had payed back a private loan to my uncle. But a year before I was made bankrupt. I had sold my house and the asset of the sold I had used for buying a new kitchen, refurbished my new accommodation and to pay back the…
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About to go BR advice on BT contract
I have just booked my petition date for 5th January but one thing is still nagging at me. I work from home as a self-employed commission-only telemarketing person. I have two clients, one of which requires me to call North America (I do this via the Internet and Skype). Telecommunications and the internet are absolutely…
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Welcome Newbies and Lurkers - Part 2
The Bankruptcy Board is about people who've gone Bankrupt (BR for short) helping out people who are thinking of doing it but don't know where to start and need guidance. Many of the people who post on here already have a huge wealth of knowledge on the subject and are only too willing to help guide you along based on their…
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Welcome Newbies and Lurkers
The Bankruptcy Board is about people who've gone Bankrupt (BR for short) helping out people who are thinking of doing it but don't know where to start and need guidance. Many of the people who post on here already have a huge wealth of knowledge on the subject and are only too willing to help guide you along based on their…
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buying back life cover policy-pro's and cons
Heard from my or this week! First time since my interview in September. Do I want my life cover to lapse by stopping payment, keep payments going and if I die it goes to them or buy it back from the or for 50 quid. My gut instinct tells me to buy it back as due to health problems, I doubt that starting a new policy would…
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Bankruptcy Order....
So I've just checked on Equifax and I have a bankruptcy order dated 22/7/2009 by a bank for £0. I have never received anything about this, maybe this is Barclays as they have been asking me to pay for a statue barred account. That date is the date of my DRO though.
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Statement of affairs
I have a soa here for everyone to take a look at. I am thinking about either BR or a DRO once the pension rules come into force in April. Not sure what is best Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number…
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1 year up.
as of today thats my 1 year of BR up,will i hear from the AIB?(scotland). whats my next steps to clearing up my credit file? thanks
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What preperations can i make as will be facing bankcruptcy
To cut a long story short i have been living and working abroad for the last three years and my employment is about to come to an end. I had amassed a lot of debt from 3 years ago due mainly to a failed business. I am single but am supporting ex wife and two children in the UK. For the last three years i have been working…
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Court Tom
IT all happened so quickly phoned on monday and they gave me an appointment at the court to do the whole thing tom. Can anyone give me an idea of what to expect??? thanks):
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Positive Steps
I have decided to make some positive steps towards recovering my situation. I no longer feel that money is in control of my life, I need it yes, but it cannot govern every waking second of my existance as it has in the past. Bankruptcy is giving me the opportunity to get back on track, I have lost my house, had to give up…
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ipa payments
Im assuming that IPA is how much you pay to the OR? Im wondering about how much they allow you for housekeeping per week? I have 1 husband, 1 toddler and 2 cats, how much do you think is resonable? Thanks Caroline
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Just got rejected by Barclays
BR 24 November, applied for Cash Card account 8 December, today received a letter from Barclays: "We have carefully assessed you application and unfortunately we have refused your request. The main reason for this decision is using the information available to us, your application did not satisfy our acceptance criteria…
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another IPA question
Hi everyone, we had our OR interview Monday, she originally said we would have 2 seperate IPA'S, my surples was £112 & husband £119, not sure how we got 1 each when all our income and expenditure go out 1 bank account, anyway we notified her of a few changes in our hours etc at work which will mean less wages and our…
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Bankruptcy Forms Help Needed Plz
Hi All I have my forms for bankruptcy, but what i really need is a little help with the letter i have to write regarding why i have to go bankrupt - im no use at all with these kind of things and dont want to mess it up, so any ideas or tips would be great :D here is a little background :- I was married for 10 years and am…
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IPA Payment
Hi all I had my OR interview yesterday and now my IPA payment has been agreed. The amount was much less than what I was expecting. I am wondering if it has been worked out on the old IPA rules? They are sending me the paperwork to sign. Is there a possibility that this amount could change before I have to make my first…
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AVC Pensions
Hi, I know they cannot touch main pension plans as long as they are approved, working in local government I am sure mine is. But a few years ago I paid extra into additional voluntary contributions, AVC's, be about 5k, can they touch these? I appreciate if I go BK I will not be able to make any additional contributions.…
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Lots of Questions
Hello again, I posted about 20 minutres ago but now I have done more reading it has thrown up more questions and I was hoping one of you very well informed people could help me out? Do you only have to make payments for 3 years? How long does a BR last? Can you ever get credit again? Can you have a normal bank account…
