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Endowment Policy and BR
It was a whole month ago I went BR - 28th March - 1 month down! One of my only assets is a joint endowment policy. The policy was taken out in 1998 with my husband to pay back a mortgage. We sold the property in 2002, but were advised by our financial adviser to continue paying into the endowment at its lowest level, as it…
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Trust Deed Satisfied but RBS wont remove info from Credit File.
I'm wondering if you can assist or offer some advice with the following problem? I am a first time buyer and had applied for a mortgage with a Credit Union recently. On paper I could afford the mortgage and my wage slips and bank statements were satisfactory too. In November 2007 I signed a Trust Deed, this was satisfied…
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Protecting my possessions from a Baliff intended for someone else
Hi :) I'm 19 and I'm a student and I also have a part time job. My mum's in a lot of debt and I have a feeling it's not going to be long before debt collectors or baliffs come around the house (I'm not stupid for one, and I saw a court summoning letter a few weeks ago). She doesn't really tell me what's going on in terms…
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New life insurance policy after discharge
Hi All, I got my auto-discharge about a month ago now. During my BR I let a life insurance policy lapse (it was quite expensive anyway) but now I am thinking I had better sort out a new policy for the wife and I. I am just wondering about any claim the OR may have on a payout from a new policy that was started after my…
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Do the banks hold a grudge?
I was discharged more than a year ago now and at the time of going BR I owed Natwest about £10,000. I always liked banking with them and I'd really like to open a step account. Does anyone know if they only take my credit file in to account, or will they also consider my personal history with them? I'd like to eventually…
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How does bankruptcy affect my new partner?
Hi all Hopefully going to be moving in with my new partner soon. She owns her house with no mortgage. I have debts in my sole name of £36,500. Having looked at all my options over the past 2 years and taken advice from citizens advice I have concluded no option but to file for my own bankruptcy. Would anyone be able to…
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Hello, Can someone please help me
Hi everyone, well you all sound nice, so here we go I owe approx £8000 to 3 credit cards and 2 overdraughts and i can't see a way out each month i just get further into debt . Could anyone please tell me which way i should go from here. My husband works via an agency and gets finished every December, i do work part time.…
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free online credit report
Hi ya Just curious as to weather there is a free online credid report website does any body know? Cheers
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looking for some advice please - council tax, vol repo and br
Hi not sure if this is the right place or not but its the only board I use so I was wondering if anyone can help. As some may be aware we left our home last week and moved into rented accom in a completly different county to where the mortgaged house was. We handed the keys back on tuesday and yesterday I informed the…
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Fist Direct bank loan claim back PPI dilemma
Not too sure what to do about a PPI claim or even if I have a case, I have looked all though the sites info and according to this I may be eligible. 1st loan of 5k over 4 years taken out in 2004 2nd loan of 10k over 4 years taken in 2006 of that 5k paid the 1st loan 3rd loan of 20k taken out in 2008 same again paid off the…
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A question about tax!
Had my OR interview today, and all went well. It looks like we may be handed over to the IP as we have equity in our home of approx £37k (which would never have paid off our £85K debt), but obviously it's a large amount to deal with for paying our creditors. I have been a director of a limited company for the last 3 years-…
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After Auto Discharge?
Hi sorry if this has been answered in other threads but here goes! Due for AD in couple of weeks, only had the one creditor (credit card) what can I expect from then on, what SHOULD I do as regards file clean up (Experian?- I am at a complete loss as to how to go about this) any help and advice would be greatly appreciated
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CCCS advice - confused!!!!!!!!!!
Hi all I have finally bitten the bullet after burying my head in the sand for many many years and contacted CCCS regarding our debt. After going through all the figures the debt remedy advice was to contact all my creditors and arrange temporary payments £1 each etc. This has left me really confused as it also calculates…
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Questions filling in forms
Hi All, Well im working away though my forms ready for the 9th May I'm onto section 4 List of unsecured Creditors, couple of questions. I've ran out of space, Can i just add another page in their ? Also where it asks what the debt was for, it's over a couple of years and I dont remeber, would i be ok putting, various…
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discharged but still getting letters
I'm sure this has been covered many times, but I couldn't find anything after a quick search, so appologies if old gound..... I was discharged from BR in January but have just recieved an annual transaction summary statement from one of my creditors (Santander with whom I had an unsecured personal loan) The statement shows…
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Just don't know what to do - DRO or BR?
Hiya, I'm hoping someone could please advise on my best course of action. I posted before here - http://forums.moneysavingexpert.com/showthread.php?t=3184544 My more up - to - date SOA is below - Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of…
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Bankruptcy and Common Tenancy agreement.
My Ex-wife has asked me to sign a Common Tenancy agreement. Her solicitor has told her it protects her should I declare my self bankrupt. My worry is that this may not be true and she will still have to sell the family home she currently lives in in order for any Trustee to pay of any debts or loans in my name, even though…
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Cashminder account referred?!?!?
Following advice on here I have applied for a Cashminder a/c with the co-op but it has been referred! What can I do if it declines? Why would it decline - its a basic a/c isnt it?
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Thank You
Hi there, I've been lurking for some time now, and just want to say a BIG thanks to all of you who have posted about your BR experiences. They have confirmed that I am making the right decision in going BR. Tomorrow is my appointment with the judge and I feel prepared ( as much as I can be) having read all the invaluble…
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Debt Dr gone bust!
Just ha a call from the Debt Dr person dealing with my bankruptcy to say Debt Dr have gone into receivership! typical :( She has told me not to worry as she will personally see me through the final stages. I know these companies are not highly thought of on these forums - and us that use them get stick for it but up to now…