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Bank Account upgrade after discharge
I was in a meeting with an Account Manager at my local Nationwide this week and I asked him about where we stand as discharged BR's in relation to our account with them. Before BR we held a full joint flexaccount that wasn't part of our BR as the account was in credit. After the OR had declared he had no interest in the…
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Thinking about bankruptcy - need some solid advice
Hi All, I am considering bankruptcy, i have got quite a lot of debt, around £20k worth including credit cards, loans, overdraft and SEVEN yes SEVEN payday loans, all of which i am finding extremely difficult to keep up with. I need help in starting my bankruptcy petition and how to go about it. I earn £20k a year and even…
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Preparing for BR
Am I best using the 3 main CRA's to get up to date details of my debt or is there a better way? Thank you.
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Creditors Calling ....
I went BR on 28/03 - 3 weeks ago on Monday. I am still getting lots of calls - particularly Lloyds TSB (mind you, if someone owed me what I owe them I would be phoning!). Their call centre in India is calling at least 6 times a day - even on Sundays. I dont answer the calls, and have turned my ringer off. First Direct have…
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Demand from HFO Services
Is there a template to send a letter to a DCA demanding money from a discharged bankrupt? I got my AD over a year ago and have just started my cleanup. I have sent letters to everyone on my experian credit check but this lot must be on equifax or another one. Its from HFO services and it says they have checked and I am now…
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Letter from Moon Beever
Hi Guys, Need your advice. This morning recieved a letter from Moon Beever asking me to fill in a questionnaire about my income and outgoings. Whether they are going to vary or suspend my payments. I was under the impression that IPAs are only in affect for 3 years. My IPA started on 13th December 2007. I've only ever made…
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Divorce/Mortgage & Repossession/Bancruptcy - help!
Not sure which thread to post so please feel free to 'bump' it. Long story....Partner & I both been through the trials & tribulations of life. Now getting on a bit (early 50's) and thought we could look forward to a reasonable life together to see us out. Me, lost half my inheritance to husband when he divorced me..... got…
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IPA - self employed
My OR is asking me to sign an IPA that would give him my surplus every month. BR in Jan 2011 Classed as self employed and paid commission only. Only been in job since December last year. OR has only seen proof of commission paid but no expenses. Commission has been OK but JUST covers household expenses and business…
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Now waiting for the next stage.....
Well - our appointment at the county court all went very smoothly yesterday- the clerk went through the forms, said everything looked good, and it was being taken off for the judge to approve later that day. He indicated that it was pretty much a forgone conclusion that it would be accepted, and we would hear by the end of…
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IPOQ Prior to AD
Apologies if this has been asked before but prior to AD Does everybody get an IPOQ Form ? Im not log off AD, Haven't had one yet, Pay NO IPA and am not working Have hear a lot dont
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'Windfall' just before BR
Hi It's my first time posting but I have found this forum invaluable over the last few weeks. I have already taken advice from cccs and national debtline and they both agree that BR is the way to go. I'm currently in the process of getting the money together for court fees etc. A couple of days ago I found out that I have…
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'Windfall' just before BR
Hi It's my first time posting but I have found this forum invaluable over the last few weeks. I have already taken advice from cccs and national debtline and they both agree that BR is the way to go. I'm currently in the process of getting the money together for court fees etc. A couple of days ago I found out that I have…
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Beneficial interest
Here's a question for you all. The administrators are pushing hard now for me to purchase my husband's beneficial interest in our home. Our property suffered severe damage over the winter from burst pipes and altogether requires about £15,000 worth of repairs which the insurance company have more or less agreed to. I am…
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Is bankruptcy right for me?
Hello all, I would appreciate any advice. Due to my ex any my own fear of dealing with things I am now left alone with a toddler and a lot of debts. It's not really usual debt, loans and such. It is mostly money owed to companies that I thought where being paid when in fact my ex was spending the money and just running up…
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Redundancy question?!
Hey Guys, Not been around for ages... Went BR in September 2007, discharged in April 2008. I have just accepted voluntary redundancy at work and getting a years salary as a payment... As my BR doesn't fall off my record until September 2013, they won't come knocking on my door for my redundancy payout will they?? :eek: I…
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Tax rebate went to or now paying back tax debt
Help Payslip shows tax paid £100 more than normal. Having queried this it appears that some time last year the Tax office issued a cheque nearly £2000 which was because an over payment had occured over the previous year. That cheque was sent straight to the Official Receivers and I knew nothing about it. Now the tax office…
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OR's deposit to increase to £525 from June 1st 2011 (Total = £700 to go BR)
The Insolvency Proceedings (Fees) (Amendment) Order 2011 comes into force on 1 June 2011 So the bankruptcy fee for debtor petitioned cases from June 1st will be £525 OR's deposit + £175 court fee = £700
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What to tell the estate agents
I need to contact estate agents to get a valuation on our house so that we can get the BI sorted. I was just wondering what people tell the estate agents? Would they do the valuation is i told them that it was for our BR? Or am i best making up some story about "needing a quick sale for a new job", "conservative estimate"…
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OFT revokes companies' licences for misleading IVA mailings
http://www.oft.gov.uk/news-and-updates/press/2011/56-11
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Credit file
i have 4 files on my report which need to be changed, one has been settled but taken over by a DCA so not sure what will happen there. One file which was positive on my file has gone? got no idea why other then the company concerned has recently searched my file, they have not taken my account away from me but my positive…
