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Mortgages for a Discharged Bankrupt
Hi, I was discharged from Bankruptcy in Sept 2009 because I became disabled & was unable to work. Now my husband & I want to buy a home together, but we can't find a lender who will even look at us...any suggestions/ideas?? Thanks x
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About to take the step
Hi everyone i thought i would introduce myself and share with you my journey. I am currently in debt £42k from a loan, car finance, 3 credit cards, 2 store cards and an overdraft. I have been really poor with money and now its just too much and i cant afford to pay the minimum payments and every month run out of money…
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Nil Tax Code
I have been reading the threads on here religiously over the past few months, and one thing that's got me worried is the mention of nil tax code. I went BR last year, but was never put on a nil tax code. I sent my SOA to the AIB at the 6 month mark in February, and have been paying tax through PAYE deducted from my wages…
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How long do banks keep records
Hi... Does anybody know how long banks keep records of closed (or defaulted) accounts? Went BR in 2009... but Barclays still have a list of all my previous accounts and Barclaycard (all closed at BR). Managed to catch a glimpse of the screen in branch recently and noticed that they are all listed. Many thanks :)
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worried about going bankrupt list of questions!
It looking likely my husband and i will be going bankrupt (we have an appointment with the citizens advice on friday) i feel embarrassed and ashamed and feel sick with nerves - i cant believe it has come to this. First worry, we booked a holiday abroad last year to go this august - do we cancel it are can we use our credit…
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Joint Mortgage and Secured Loan
Hi, I have a mortgage and secured loan on a flat with my ex. I am looking at going bankrupt but am a little confused on how it works with a joint mortgage and secured loan. Does anyone know how this works? thanks
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Inland Revenue
Hi Been bankrupt since Dec. Have an IPA and had a nil tax code for a few months. I received a letter from the revenue telling me I had to fill in a tax return. I went on the revenue web site and registered and waited for my secret number to arrive in the post within 7 days. When it did not arrive I contacted the revenue…
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IPA's
Just curious, what happens if you are deemed to have no surplus to pay an IPA in the first 12 months, but further down the line you get a pay rise, do you then have to declare this and have to pay an IPA if there is a surplus? Thanks
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OR interview
Hi Just a quick question to all those who have gone through BR. How soon after your BR were you interviewed by the OR, either on the phone or face to face? Is there anyone here that has had to wait a significant amount of time before being interviewed and if so how long? Has anyone being classed as a type 0 and not been…
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do I even have a future?
Hi all, I declared myself bankrupt in June 09 and received ED in Dec 09. I have been looking for a job for a long time now but the only jobs I've ever done in the past have been in banking. I am aware that I can't work in banking anymore (even though I have tried!) but it seems that every job I come close to getting credit…
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BR and social fund question
hiya I have had my home reposessed (justwaiting for eviction order) Doing all the homeless things with the local council but still have no where to go to. single with a dog, so not much hope at mo, bad credit record due to needing to go BR resulted in private landlords not touching me with a barge pole. Must go BR (prof…
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IVA and Second Charge on Property
Hi Maybe someone else has gone through the situation i find myself in and can save me a couple of quid before i shell out on a lawyer. Basically i own a property current mortgage lender no longer lends, trouble is i bought the property with an old business partner of mine, he hasnt paid anything towards the mortgage…
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today
hi well ive been and survived. went through forms,re did the ones i added up wrong doh and then off to pay . you go into the baliffs office(gulp) then upstairs into the judges waiting room. they said they were running late. luckily i had a friend with me. lady called my name and then came over and said she didnt want to…
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Once you have gone bancrupt what next?
I was adjudged Bankrupt on 23 Sept 2008 then some time later i recieved a copy of my early discharge notice, dated 23 March 2009. Does this mean that it was all resolved? The reason I ask is this, at somepoint a recall looking on moneyexpert and getting my credit report and some of the debts that I thought had been…
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Court date on Weds
Hi All, I have my court date on Weds and I have all the forms completed. Just so it's clear in my head I just have a couple of questions I hope you can answer. Does it matter if I have missed any debts off my form? I have quite a few creditors and cant be sure I haven't missed any. Am I correct in thinking that all I need…
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Courts decision? Any advice?
Ive had to send to the court a SOA in respect of a CCJ ive been given by a family member. Im currently on a self admin. DMP and all payments have been met. Is it fair that the judge will set the payments in line with everyone else rather than make payments to the family member higher? Surely this would be classed as…
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RTLU persuing my mother
I am discharged from bankruptcy but subject to a BRU for 4 yrs because I was demmed to prefered my 88 year old mother who has dementia and lives in a care home the cost of which she meets herself. I repaid her £25k. The RTUL recognise that she has used thses funds on her care needs but now seem to want to persue £14k she…
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Ex-Bankrupt & Mortgage Bankruptcy Searches
Morning all, Need some advice please. In the process of looking to buy our first house. According to Experian, Equifax and Call Credit my credit rating is Good-Excellent depending on the agency. We have no outstanding debts and earn a reasonably good salary... But in the past (2000) my previous business failed and I…
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error
sorry wanted to delete this
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Divorce and joint ownership
If someone is going bankrupt and they own property with someone, does the person they own it with have to be informed. Also can it be contested.
