-
Superbad credit Rating
HI, I am after some advise, i have checked my experian credit file this morning and my credit score is only 20 yes 2....0. I know the main reason is due to my bankruptcy as i am only 8 months since discharge. I dont have a huge amount to clean up except a British gas that has appeared there in the last 2 months. I am on…
-
PPI/credit cards and bankruptcy
Following todays ruling on PPI (albeit subject to appeal),if i understand correctly-this also applies where PPI was on credit cards,and now-the companies need to write to you-as opposed to 'us'chasing any claim. Prior to my bankruptcy-i had PPI on all of my credit cards. Obviously this has been absorbed along with the…
-
Pros and cons of repo vs vol repo
Hi everyone, Just wanted to pick the brains of the forum on the above topic. I'm in new accomodation and my old property is vacant. I've done BR and was AD in Jan '11, the original property was on a SRO for the duration of the BR (and about £12k neg equity) and as soon as I got the new accommodation sorted I stopped paying…
-
Credit clean up - CCJ post-bankruptcy
Hello folks I was wondering if anyone could offer some advice please. I am cleaning up my credit file but am stuck on how to deal with one item. I was declared bankrupt on 3rd October 2009 and had a CCJ hearing for a Natwest loan on October 8th 2009...this loan was therefore included in the bankruptcy. My file shows a…
-
ex partner's bankruptcy
Hi - my ex may go bankrupt - we split up almost five years ago - he got the business, I got the house which has been in my name for 4.5 years, the mortgage has also been in my name for most of the time and I have made all the payments and paid all the bills. Could the house I live in with our children and my new partner…
-
Bankrupt woman takes IP to court over fees
Hi Interesting article from Insolvency News... http://www.insolvencynews.com/article/show/Bankrupt-woman-takes-IP-to-court-over-fees NEDCAB
-
My Credit File Clean Up ?
I think I have just had the kick up the b*m I needed to start cleaning up our credit files. We are 8 months discharged. Received a transaction statement today from our overdraft that was included in mine and husbands BR. The balance is still showing as owed. The accompanying leaflet goes on to explain that we will receive…
-
No money left; Bankruptcy or DRO? Please help;
Hi, Having posted on DFW board, I thought it more relevant here (having been kindly advised by Tixy on DFW). As I'm already down to £50 per week left on ESA, after the Water and ESA Overpayment is taken out, and that's before I even eat, would you guys recommend a DRO or BR? My debt as you can see, stands just shy of…
-
Child expenses
Hi just about to fill forms into have UPA re-assessed this has not been done since Aug 2009 even though our income has gone down and bills gone up, anyway since last September my son who is now taking options at school we have been paying £40 per term for guitar lessons which is part of his work for his paperwork, we have…
-
Bank account after bankruptcy?
Hi, I made myself bankrupt in june 2008, and opened a basic barclays current account shortly after. I was discharged from bankruptcy in feb 2009. I'm looking to upgrade my account to get a full current account with barclays.. and im just wondering if anybody in a similar situation has successfully managed to do this.. do…
-
Official receiver interview today
followed on from a previous thread Hi all I am feeling a bit better now i have got my interview out of the way. It went better than i was expecting it to go which was good. I finally decided to let the house go and give every thing up so the official receiver told me to stop paying every thing and save as much as i can for…
-
Vehicle Breakdown cover whilst BR
Hi I have been trying to arrange breakdown cover for my car over the last few days. I have had a few online quotes but when I read the t's and c's they all state that you must hold a valid credit card and the RAC say they are going to do a credit check even though I want to pay it all in one go. Has anyone know any…
-
Insolvency agency - income & expenditure criteria
I've recently declared myself bankrupt - please advise me of where I can find details of what the Insolvency Agency consider to be reasonable, when accessing an individual's expenditure, prior to calculating how much can go into the 'Creditor's Pot'. Is there a list I can refer to as I don't want to understate my…
-
br how long do i have before i am evicted??
hi all, have been put in a position or should i say offered a deal by the OR in august 2010 to put our home on the market via the normal route of which i have done last month.it sold within days:( the new buyers have had all there paper work done and mortgaged approved and are anxious to move in and will be wanting to…
-
Financial Associations
I have recently just got my credit report back and my EX partner name is still associated with me on it. We split over 4 years ago. Can anyone help tell me how to get her name removed from my credit report Many thanks in advance
-
bankrupt with joint bank account
Hi, I am in need of some advice regarding my joint bank account with my husband. I have recently been declared bankrupt under the lila award in Scotland, I recieved a letter stating that as long as my account retains less than £1000 I could make withdrawls, the thing is with my husbands wage going in this month £1500 will…
-
Seriously Considering Bankruptcy :(
Hi all, hope you don't mind me posting on here. I am considering LILA bankruptcy (I live in Scotland) but have some questions: 1). Will anyone find out? I understand it goes in the Edinburgh Gazette but would this affect my family in any way (I live at home with my parents) 2). My car is worth £3000 but this is essential…
-
credit file clean up after bankruptcy
hi guys. i was discharged march 22nd 2011. and im wondering how i go about cleaning up my credit file. plus im wanting to get a mortgage on a new house in the next few years.what other ways can i build up my credit score.i have applied for a visa card that builds up your credit score over time.( how true that is i dont…
-
Help - taking someone to court who is about to declare bankruptcy.
Help - taking someone to court who is about to declare bankruptcy. Just to give you a background. We are taking our builder to court for some shoddy workmanship. Court proceedings have been issued and we have court dates set. The builder is now saying that his business has not been doing well and he can not carry on with…
-
Letting Agents that accept bankrupts!
I have just gone bankrupt and am currently in my own property on which i pay mortgage but this is going to be sold off and I need to find somewhere to rent asap. does anybody have any tips or know of letting agents that take undischarged bankrupts? Thanks
