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When should credit file be clear
I went BR Dec 2008 and was discharged Dec 2009. when should i expect my credit file to be clear? . Thanks :)
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Credit File cost?
Hi Sorry if there is already a thread on this, but short for time to look, my hubby and i both need to check our credit files online asap, the last time we done it, it was about 8-9 pounds each, when i went on tonight it was 15!! is this right? are there any places i can get it cheaper? do you know how long it takes to get…
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tax refund before BR. will OR want it?
Hi all, the OR is calling me next week. just before xmas i received 2 tax refunds from the inland rev, about 2k in total. the money has gone on bills, food, xmas (nothing extravagant) just a few family presents and christmas food, clothes for my son and 450 of it i saved as i was getting advice from cab about bankruptcy…
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Employer loan to go BR
Hi I strongly suspect that my employer would lend me the money to go BR and possibly the money to buy back my car from the OR if necessary (maybe £1000 max). Would I be able to include the repayments in my Statement to the OR or is there some other way around it like if my employer deducted the repayments from my salary…
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How far back does the OR go?
Hi I'm looking into bankruptcy and wondered how far back the OR goes into your past finances. I've read they can go back as far as they see fit but I was interested in other peoples experiences provided there was no reason for the OR to suspect criminal activity or fraud. Would they "normally" ask for the past year or 2…
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Natwest and BR
Has anyone got any experience of going BR with a Natwest a/c? I did have a Natwest Current a/c but in preparation for BR I opened a Co op Cashminder and left all but £4 in my Natwest a/c Yesterday I received a letter from Natwest saying that they had been informed that I was BR and they were happy to keep my a/c open but…
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Mistake post please delete.
Sorry deleat wrong place.
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Bankruptcy.
Please can someone help me, I am going to be filing for bankrupt by the end of the month and i am really scared. I owe around 22k on various things and i been told the best thing to do is go bankrupt. I do not have any assetts or saving but i am not too sure what happens at county court, do i have to pay any money back or…
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Its complicated...
o.k here's the question.. 2 peolpe go bankrupt. 1 does'nt put the mortgage on the file. the other does. 3yrs later you get a letter from solicitors saying the house is sold, and there is a short fall of £94,000. So how do you stand on this, when as far as your concerned this was all dealt with when you went bankrupt. Have…
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Discharged bankrupt and the way forward
Hi All Briefly, I petitioned the court 2 years ago when I was unemployed, was discharged a year ago and found a decent job at the same time. Two and a half years of unemployment ment that I could'nt keep areliable car going and having 4 children keeps me skint, including the fallout of the period of unemployment. With…
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what do i do ? please
can anyone tell me ? i am living beyond my means i owe all the payday loans companies and am getting in deeper just to pay off. i have a 4k overdraft at the bank too. i am to pay toothfairy £544 tomorrow but cant. should i go the payplan or similar to explain my problems and ask to pay off a certain amount each month and…
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Any advice?
[FONT=Verdana, Arial, Helvetica]This is going to be rather long I fear. In 2005 we bought our house for 135k. 6 months later we took out a secured loan to consolidate some of my husband's credit card debt and to do work on the house. The secured loan was for 35k. In 2006 I had my daughter and suffered from antenatal and…
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could do with some advice..
if you have already gone bankrupt, and the house was part of that. Can the mortgage company, after selling the property, come to you for the out standing balance????
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Earliest Discharge
Let's face it, guys, this forum can get a bit depressing at times. A lot of people come here for the first time because they're facing major problems in their life. They're nervous, scared and anxious about the implications of declaring themselves bankrupt and have turned to the MSE board for help. Declaring yourself…
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My story (long - sorry)
Hi I’m not sure all this is relevant but it gives some background into my situation and I would really appreciate any opinions people have on what course of action is best to take. I met my ex husband at 17, we were both very young and he wasn’t always a nice man but I was too young, naive and smitten to see. We married…
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HELP PLEASE...Questions about going BR
Hi there I want to go BR. Feel there is no other option. However before I proceed I have a few queries: a) I bought a house with my ex but in 2009 I signed over my interest in it. However my name is still on the mortgage. If I go br will the OR want to make claims on it? My partner and I parted on bad terms so last thing I…
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current accounts with poor credit
Hi all does anyone know if there are any banks were a discharged bankrupt has any chance of getting an account. thanks
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Bankruptcy:Homeless?
Hi all, had a lengthy interview with my local council last week and was told if my debts in bankruptcy were visa card loan debts etc i would have made myself intantionaly homeless ? Has anyone had any experience with this? is this correct? or just a load of c--- as half of england will be heading for tent city.:D regards…
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Is there anyone I can contact personally?
Hi there I wonder if there are any experts here who I could pm/email personally with my predicament? My problem is very long and very personal and I really don't want to post publically :( (sorry) Thanks
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A bit concerned need some advice
hi all, im in a bit of a bad situation, iv been self employied for the past 5 years contracting to a company in the electrical industry, 99% of my work was for them, things slowed down last year and things were getting very tight, they did keep me ticknig over with some work but not enough to cover all the bills. I had…
