-
Good News
Hi All, It's taken me all day to pluck up the courage to check the I/S website but lo and behold I an now discharged !!! Words cannot express the sense of relief I am feeling but needless to say I'm typing this whilst enjoying a glass of vino !!! Tonight is the start of my new life and your forum has helped me through all…
-
No money?
Evening everyone. We have recieved our iva failure cert's today so will be looking at declaring BR this next few weeks. What happens though if you are genuinely not making enough money come in to the house to pay the essential bills? I had no choice but to leave my job a few months ago and am struggling to gain another…
-
Experian £2 Credit Report - Missing info?
Last June, I had declared myself bankrupt (only one month to go - hooray!!) and I thought I would obtain a copy of my £2 statutory report so that I can get ready to clean up my credit file in a few weeks time. I have just been looking at a copy of my report, and I have found that there appears to be some missing…
-
Paypal and Prepaid cards
I have an existing Paypal account which I use to receive funds from items sold on my website. I just tried adding a Cashplus prepaid mastercard as my main card on this account, as the existing credit card is going to go up the swanee shortly due to impending br, but it won't accept it. Is this because I haven't loaded any…
-
Not sure what to do...
Got into a bit of a state and not sure what to do. A shedload of bank charges, credit card debt, loan debt. I'm in a good job, but no rise for a few years and bonus not up to much (I tend to rely on this, and face disappointment each year). Other half went self employed (childminder) after our first child and we have…
-
keeping my bike
hi can anyone help please i dont know if im going to be able to do my dro because of the old property i used to share with my ex and im wondering if i had to go bankrupt would they allow me to keep my bike? nat debtline did mention bancruptcy and also said that they may allow me to keep my motorbike as its worth less than…
-
Ex Pat Tax Withhold ??
Hi, Just received my payslip today for April, when my NT should have finished. In the deductions column on the payslip it states "Ex Pat Tax Withhold" £348 NI A £209 Tax NIL Anyone know what this means? I thought that my payslip would be back to normal once the NT had ended. Thanks :(
-
Getting a Cheque Book After bankruptcy discharge
Hi, How long after the first year of bankruptcy and discharge can you you get a cheque book? Both my partner I went bankrupt last year and it is such a pain when we need to write a cheque out for something my dad has to do it and he lives the other side of the country! Are there any particular banks that are better than…
-
Mistake!!
Hi, I went bankrupt in February and today my son has just told me he has paid some money he owed me into my old bank account by mistake. It was for sixty pounds, so not a huge amount, but is there any way he can sort this out. Could I get it back or will they just keep it. Think I may already know the answer to this one,…
-
My rubbish experience of trying to rent post BR
We had found a lovely 2 bed house to rent, it wasn't expensive so well within our income, but because of BR we knew we would need a guarantor. The agents said we needed one that earned over £21,500 a year and our parents are retired, we bit the bullet and asked a friend who earns 48k and they said he wasn't good enough!!…
-
Help - SOA and surplus for IPA?
OR wants me to sign for an IPA to give any surplus at month end but I don't have any surplus - I only have enough to live on and sometimes not that. He pretty much threatened that he could make things difficult for me if I do not sign. What can I do? I do not want to sign in case in this first year I have no surplus. I…
-
Living Through Bankruptcy
I've been considering bankruptcy for a while and recently learned that now your not allowed to keep any excess income. From what I gather in you SOA your not allowed such things as gym membership, home phone or broad band. Is this correct? and if so just how tight is it living through and IPA? Personnaly I feel this is…
-
Renting a house with a partner who is bankrupt
Hi There. I was wondering if someone could help me. My partner and i are hoping to rent a house in the next few weeks, but he became bankrupt last year. I have a full time job and he has just become self employed as a cleaner, but i would be happy to just pay the rent on the house with my salary. Is this possible for just…
-
threat of Bankruptcy from CrapQuest
Hi there, I had a letter today from CapQuest saying they are preparing a STATUTORY DEMAND which wil be served against me for £1320. The thing is I have no assets, I rent my home, I have no Car or bank account or even a TV. and I'm a full time carer for my disabled wife. I have several small ish debts (all in the lower to…
-
Nil Tax Code not changed
Probably not the correct forum I apologise but not sure where to put it. My Nil Taxcode should have changed from the 1st April I received notification of this but my employer did not action it. I rang up the Tax office but couldnt understand what the chap was saying were my options. I basicaly wanted to pay the tax back…
-
72 Hour Notice of Litigation
:mad: I am a discharged bankrupt of two years. I recently asked for advice about HFO services chasing me for a debt that was included in my bankruptcy. Fermi kindly gave me a template of a letter to tell them to stop chasing the debt. I sent this off recorded delivery. They received it. I then also sent of the credit clean…
-
Critical Illness Insurance Claim
Hi, I have recently been diagnosed with a brain tumour and subsequently had brain surgery to remove it and now started a course of radio and chemotherapy so needless to say, very ill. (just what I needed during my 12 month BR period!) However, since my BR, i have continued to pay premiums for a critical illness insurance…
-
Credit Files all clean
:D I checked them and had to phone one creditor yesterday-checked today and every single entry is correct :D A lot less painful than I imagined. Thanks to fermi for the excellent sticky re clean up and to all who have advised on this :D
-
Accepted for a vanquis cc and nationwide cashcard acc.
Been accepted by both the above today, only gone for the Vanquis CC to help build my credit rating up again, and also for anywhere that does still not accept a debit card. Also got accepted by the Nationwide for a Cash card+ account, was quite surprised by this as they were one of my creditors. Had not tried for a Vanquis…
-
Form 6.28 Questions?
Hi Just filling in my forms, a question if I may? Sect 3 Assets - item 9 says Freehold Property or Land Does this include my current house which is obviously listed elsewhere? If yes, do I record the value as the market value or equity value? And a quick Q on the 6.27 which I can't find an answer to:- If all my current…
