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Financial link... car insurance?
Hi. Would naming partner on my car insurance be considered a financial link? I'm thinking it may make the policy cheaper, but I won't bother if it could be classed as a financial link in any way as I am preparing for BR at the moment.
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Debt letters arriving 2 YEARS AFTER MY B/R????
Hi All I have been trying for over 10 months to clean my credit files after my B/R in Nov 2009!! However I now find that I am receiving debt letters demanding that I pay - ??? These debts were included in my B/R and provable. I have followed the advice on here and sent letters to 4 companies and also sent letters before…
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Seen as this is the way im heading....
Basically, im sure you guys have heard from me before and my constant moaning. Due to certain sets of circumstances over the past 6 or 7 months or so, my finances have beecome increasingly strained. To the stage now where my credit rating is so low, its down to double figures. I have spent any form of credit I have and am…
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Big money test
Just took the big money test Martin spoke about on watchdog, felt very proud got that I got 10/10 on my financial knowledge, not unhappy to be weighted towards miser tendencies either, even said I track my money well. I was feeling like I was doing well until I got to the: Have you been BR Have you been repo'd Have you…
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What is the difference between Ballifs and debt collection agencies
hi there - I'm in urgent need of advice as im extremely anxious about the future. I am in a lot of debt 35k. I had a DEBT MANAGEMENT plan and having being paying back what i can afford to my creditors each month. This week however one bank and a credit card contacted me to say that ive defaulted etc and or have rejected my…
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Letter From OR -BI in House, But Puzzled.
Hi, Need some advice.....don't we all! Went BR in November 2010, and was under the impression that the BI in my property wouldn't be looked at until 2 yrs and 3 months from my BR date. I have received a letter today from the OR stating: " It may be possible for me, as trustee, to transfer, at an agreed price, the…
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Could OR take my car?
I'm just taking steps to go BR. I'm a mature student and travel 15 miles to university so need transport as the trains are useless. Could the OR take away my car? It's worth around £2,500 and essential to me as I collect my children for weekends and they are 40 miles away. The other point is that although I am on the…
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Barclays Bank
Hi All, I am in the process of trying to sort out cleaning up credit files, anyone know where to address 'clean up' letter to Barclays? I've had a look but there are so many addresses. Thanks in Advance. :)
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had a conversation with my mortgage and now i'm a bit confused about the br
We are due to move into rented accom next week and as such we haven't paid the mortgage this month. I answered a witheld call this afternnon and it was the mortgage company wanting to know where their payment was etc. We got onto the subject of them helping us etc when I accidently let slip (stupid I know) that we were…
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Shop Direct
Hi All, I am in the process of trying to sort out cleaning up credit files, anyone know where to address 'clean up' letter to Shop Direct Finance (debt was with Littlewoods) ? Thanks in Advance.
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Will I get free legal help?
Hello, I'm currently having dealings with a solicitor regarding child residency and divorce. I am also going to file for BR which the solicitor has said they can also help me with as I am a full time student and will not have to pay. Does this sound right? This feels like a scary path to be taking but I really don't have…
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After Automatic Discharge
Due for AD in a couple of weeks, pay NO IPA (unemployed) obviously after discharge if I get a job I do not have to inform the OR of this but what happens with future inheritence? say my parents house
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Please help, I can't believe how bad our reports look!!
We filed for BR in Oct 2008 and were discharged a year later, thanks to lots of advice on here it was stressful but we got through it. We have now sat down to look at our credit reports, we're not married so we have to do one for each of us with each company to find with experian literally none of my partners 6 accounts…
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Contact creditor or debt collection agency?
Hi guys, In order to get an actual figure of what I owe each creditor the cccs has told me to contact each creditor. As most of my debts are now in the hands of debt collection agencies do I need to contact them instead? Thanks.
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Corporate Insolvency Question
Hi all, I hope someone could help out with this tough question. Q: Can a company under receivership pass a general resolution to appoint a corporate representative? Background: There is a company (A) which has recently been put into receivership by a debenture holder. A receiver and a manager has already been appointed.…
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Should i contact the creditors prior to bankruptcy?
Just a quick question, i am going bankrupt soon and am wondering whether i should contact the creditors prior to the bankruptcy to inform them? I keep getting about 4-5 phone calls a day from Capquest which i don't usually answer, so i am wondering if i informed them of my intentions would this stop the calls?…
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Bank accounts - upgrade from basic to current
Hi everyone... Just wandering if anybody has been able to upgrade their basic account to a normal current account following discharge from bankruptcy? (with BR still showing on credit file) If so - I would appreciate any advice or tips on how you managed it. I am new to this forum - so my apologies if it's been covered…
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Bank statements to OR monthly?
Does anyone else have to send bank statements to OR monthly? Just feel as if he is watching and criticising everything we do. Don't have anything to hide but how can we put anything aside for presents etc when he scrutinises everything monthly?
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OR Interview - Relatively Painless
Hi all Just had my OR interview and as the title suggests, it wasn't too bad at all. He skipped happily through most of my SOA and then we got to the debts themselves. Now, if he'd said he just wanted a potted history of the debt build up that would have helped me. But he asked this question and that and kept stopping me…
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Any idea where my money has gone?
I went BR May 2010, with ED Dec 2010. I kept this fairly quiet from some people, including my dad. In Mar 2011, my birthday, my dad transferred £20 into what he thought was still my bank account. It was a joint account that was suspended and closed when I went BR and my husband did a DRO, the closing balance was something…
