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Equifax email address
Does anyone have the email address for EQUIFAX please :)
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One week to go until my court date
Hello there, I've got one week to go until my court date, getting really worried about it and not sleeping at all at the moment. I'm really worried about the OR interview as well. Are the court and OR interviews really scary, will they make me feel bad for why I've got here? I'm worried about the OR as I don't have any old…
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Automatic discharge today!!
One year down, two to go!! As I am with Barclays, when should I speak to them about changing my account to include online banking? Also, should I take a printout of the Insolvency Register, or wait for a letter from my OR as I have previously requested from them?
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SOA forms advise needed
Hi ya , just a little queary regarding the statement of afairs calculator that is put up on many threads. When i filed for bankruptcy i dont recall seeing any boxs on the soa form for Holidays, Entertainment, Presents, haircuts etc as i thought they were not alloud for in bankruptcy any way. So my question is what good is…
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Debt Collectors post bankruptcy for secured debt
Can anyone help? Went B/R three months ago after "walking away" from mortgaged property (now renting). All secured and unsecured debt included on SOA. However, mortgage lender not yet repossessed property and additional secured lender hassling me for payments via a debt collection agency. What do I do in this intervening…
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Resolvecall visit and bankruptcy
Hi all,Looking for some thoughts/advice. I've just had a visit at the house from a Resolvecall DCA. He wanted to speak to my husband, who wasn't in, so he just left a card and left. I think this is to do with a Barclaycard debt- we're paying a token payment of £1 per month via CCCS - should they be calling round when CCCS…
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Repossessed - stuck in no mans land
My house was repossessed by the second charge on my property. At the hearing we made a case to stay in the property a little longer than normal. We got 28 days to vacate, which we did. However, 1 month on and no one has followed this up and taken possession. The reason I suspect is that there is insufficient equity to…
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Trust Deed/IVA
I've had a Trust Deed up since May 2009, but due to a couple of spells of unemployment I've only made about 6 contributions to it in 2 years. I've got some other debts outwith the arrangement and I'm really struggling again. I recently saw a money adviser about it, who told me my best option now was bankruptcy as it was…
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Re-mortgage after trust deed
can anyone help? I was discharged from my trust deed about 6 years ago and now I want to remortgage, I am using Santander who have sent me my offer but my conveyancer have notified them of my "recalled" trust deed, will Santander withdraw the offer??
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Help with the form 6.28 please - car
Hi All, So, I've got my appointment booked at court for the end of the month. I don't think this will be the last of my questions like this.... My first question for help with this ma-hoo-sive form please! I will tell you the situation and then please could you let me know which is the right way to handle it for the forms.…
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Credit after BR
Hi All, I am discharged from BR since May 2010 and back into work now. I travel a bit with work now, and have to put expenses onto my account before I can claim this back from the company. It would obviously be easier for me, to have a credit card or overdraft to manage this, but I'm finding it very difficult to find…
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About to go BR - SOA Feedback please
Hi All, I am a regular on the forum but post under another username and would really appreciate your help as my partner and I are about to file for bankruptcy and want to make sure we have everything in order on our SOA. Please can you take a look at the below and post any comments you have? Please note this is our SOA not…
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Bankruptcy and PPI misold.
I have seen the other answers on here re this and what normally happens to the money if sucessfull and they have gone bankrupt, but what if the loan was in joint names and only one person named on the loan went bankrupt and the loan was paid in full before bankruptcy.
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BR and Employment Tribunals
Hi, Hope someone can enlighten me on this one. I was discharged in March, though I have an IPA which is currently suspended due to me having lost my job. Which brings me to my question. I'm involved in an Employment Tribunal with my former employer which hopefully I'll win and be awarded some compensation. How would the OR…
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Mortgages After BR?
Hi all My partner has been asking about mortgages after BR she knows I went BR before i met her and she wants to get a house in the future. i dont really know what to say :undecided I went BR in sept 2009 and got ED 1st June last year 2010 so sept 2012 i will have been br for 3 years can any one gimme some advice please…
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debt collection Agency
hello every one and many thanks for ur advise,one of my debt's has been passed to a debt collection Agency. the Agency written to me saying that we will be instructing a local debt collector to visit and collect the overdue payment from you. my family and i realy embarressed as i dont know what to do now and haven't…
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credit clean up question??
hi all i was wondering of someone could explain my credit files to me?? ive downloaded my files from experian and im confused to what they mean also my current bank isnt on my latest report but was on an older one. i was made br dec 09 early discharged july 10 here goes 3 records say this studio mail order Default…
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IVA to Bankruptcy
Hi all, Thanks in advance to any answers. I have been in an IVA for nearly 2 years now, although an IVA should mark the end to worrying about money i fins myself still constantly worrying. Although i am making all the payments and have no problem carrying on doing that i am worrying about the interest rate. Every time the…
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Feel Like I'm Back to Square 1!
I've posted this on my diary but figure it won't hurt to post here as well! I sent off my forms to apply for bankruptcy on 27/05/11. Received letter yesterday from AIB (Accountant in Bankruptcy) which says that as my car is valued at £3,500 (I thought it was a lot less!) I do not qualify for bankruptcy through the LILA…
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Is bankrupcy right for me?
Hello, I havent been in here before, Just looking for some help please. I'm on a DMP done myself with advice from CCCS. Basically Im separated, almost divorced after a lengthly separation. I'm 8 months pregnant with my first child & live with my new partner in privately rented accomodation. Due to pregnancy related ill…
