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Amex Corporate Credit Card for Travel
Hi I went bankrupt in Scotland last August so up for discharge this coming Autumn. I recently took a lucrative job in England and jumped at joy when they offered me the post. They did not as an employer put me through any pre-employment checks (i.e. credit checks etc) other than the usual referees. To my horror I started…
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Help with BR forms pls!!!!
Hi, Just trying to fill in more of the forms and a bit stuck on a few bits if anyone can help me?? 1, section 3.5 (giving away property) We have handed the keys in to NR do I put that here as giving away assets (its in neg equity hence the BR)? 2,Out goings (section 7) Were do I put the soa like prescriptions and other…
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Credit builder Credit card
I was planning to get one of these type of pre-paid cards. Probably don't really need one as 99% of the time I can just pay for something with my Visa Debit, but I was thinking of using it to help rebuild my credit and also it might be useful on occasion to have access to a credit card. Anyway, I was going to go with the…
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Trust deeds
Can any one tell me if the same rules apply to Trust Deeds as they do to bankrupcy when cleaning up a credit file? I was discharged from my trust deed in 2008 yet some companies continue to post defaults agains the debts that were part of the trust deed. Is this correct and when does this stop?
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Going from employed to freelance whilst still BR question
Hi there, I currently work and am paid on a payroll. I have an opportunity to change careers to something I much prefer but will have to go self employed free lancer. How does it work with the insolvency office and earnings? For one thing I have no idea how much I will earn and do the want to know how much you have earned…
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Just Started My Journey
well today i recieved my 3 months worth of bank statements in the post which was the last thing i needed in order to send off my bankruptcy forms so this afternoon i checked everything over again, wrote out a chequefor £100 and posted it off!! if everything is ok (which it should be) i could be declared BR by next…
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Changing DDs in preparation for BR
Hello there. I'm changing my direct debits to an account my house mate opened for us to put money into to pay the bills. If I change my DDs to this account will he then become financially linked to me? Thanks.
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Can't pay Iva what happens now?
I've been on an Iva for about 4 and a half years. My payments started off at £325 and half way In to the iva Increased too £599. I wanted to pay off the Iva early by remortaging the house (which the Iva said no too because I'm using. Loan to pay off debit. So I explained that I would have to remortage anyway to pay…
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Closure of cheque guarantee scheme
Just received a notice from the Coop bank that the UK Domestic Cheque Guarantee Card Scheme will close on the 30th June 2011. Looks lke another nail in the coffin for cheques then.
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any advice???
About 7 months ago after suffering in silence for sssooooo long about my debt and on many occassions feeling suicidal i finally took the courage - although having no option - to contact a company bout help - unfortunately i did look on Martin's site for what to do - but being in such a state and not having a clear head i…
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Help / Advice wanted
Help / advice wanted. Background info. My wife left me over a year ago and we have a joint mortgage on a house that we bought for £150000 just before the house price crash, it is now up for sale for £120000 and has been for the last year or so (it won’t sell because of the market and about seven others have recently gone…
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can i lose my house
i am thinking about going bankrupt due to problems with my iva can my mortgage company turn around and take our house from us if we go bankrupt, we dont have much equity in the house probably about £6000 if sold any advice would be appreciated as have no idea how bankruptcy works
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Iva and renting
Hi, we're newbies so hi 2 u all. We would like some advice please, we would like to do an iva but we rent are home. So if we have to moved are we making are selves homeless by doing an iva because when they do the credit check it will show up thanks
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Next Directory
I was trying to clean up creditfile from equifax with getting a debt from next updated, they have refused to mark the account as satifisted, debt was accured in 2006 and my br was 2009, they have confirmed this today by telephone, would equifax beable to get this removed?, what can I do? Thanks for anyones help in advance
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Cahoot wont sign for recorded
Hi all, Not sure what to do! I have sent 4 recorded delivery first class letters to the Cahoot Data Control Officer (2 Triton Square, Regents Place, London NW1 3AN) over the last 7-8 months and not one has been delivered. Im pretty sure they are not signing for anything BUT I need it to be signed for so I can prove to the…
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single person SOA - please help !!!!
Hello again everyone, Many thanks for your brilliant help last time I was hoping to pick your brains again if I may!! Not sure what I would do without this forum and the people on it sometimes. As some of you may remember I already went BR earlier this year and managed to secure employment afterwards. Anyway I obviously…
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Clean Up
I am about to start the clean up process post discharge. I was on a DMP for 4 years prior to going bankrupt my default dates are a lot earlier than my bankrupcy date. I dont want them to change as i think they will drop off sooner (if i'm right), but if i contact the various companies about the fact that none of my files…
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Credit reports
Hi all, I have recently been discharged from bankruptcy, I need to get a credit report, but I have just been on experians website and they need debit or credit card details. As I had my cards taken off me all i now have is a cash card! Does anyone know how I can get a credit report? I was going to use a family members…
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which way should we go??
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Officially BR last week.
Finally I was in court to go BR. It was not as bad as I imagined. I was in the court and out again within 15 minutes. Now what happens. The judge told me the OR would contact me. When will this be?? Also I contacted my car finance company and they told me my case was with their insolvency department. They are going to…
