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credit companys
what rules are these companys breaking,if they try to contact me,they know that i am br....i am still getting phones calls and letters,i have passed them on the the or....but i feel in the mood to write a nasty letter to them all.....has any one got anything i could quote at them...... ps....the worst offender is the child…
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Co-op, Barclays .... Nat West?
I have a Cashminder from Co-op that I use as my main current acct (DD's etc) and a backup Barclays account that I hardly use (but do have their ISA to keep things sweet). I recently formed a limited company and got a basic business account with Nat West, during the conversation they mentioned current accounts and asked if…
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Am between a rock and a hard place....advice would be very appreciated.
Hi There Well, I have spoken to lots of people (Court, Insolvency helpline, CCCS) and know what to do should I choose BR BUT.....Do I / Don't I I have a DMP set up, but cancelled the DD this month due to MOT and car costs. I also have 2 CCJ's. I am starting Uni in Sept (3 year course) and the thought of being debt-free and…
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Help for mum.
Hi there, I thought this would be the best place for my question. My mum filed and gained bankruptcy around 4 months ago. She is looking to get internet and home phone installed in her house and as she has no means of research I'm trying to find out for here. She has suggested I put it in my name, problem is I have my own…
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Limited company bank accounts for former bankrupts?
Hi all I was discharged bankrupt last June 2010, now running a limited company again as of very recently but cannot get a bank to accept me - as the house repossession only went through a couple of months back. Does anyone know of a bank that might be able to help please?
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Tax return after br
I have been sent a tax return to fill in. Was discharged early in May this year. Have always paid tax but never had to fill in a tax return before, not self employed. Is this right?
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Nearly 3 years since B day - House question
Hello all, I use t'internet forums to discuss a whole manner of things but with regards to my Bankruptcy I haven't, not conciously avoided it, so I am glad I found this place. So I am a few months off the 3 year mark from my day in court and just wanted to sanity check my thinking here. My half of a property which I own…
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Cant get a savings account
Well I have my bankrupty friendly Co-operative bank account, but they wont let me have a savings account :( I applied and instant decline, I need someone other than my main account to save the allowance for my car repairs and car tax because if I leave it in my main account I know I may dip into it do BR people manage to…
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BR Clauses in a Tenancy Agreement
My friend has manged to find herself a tenancy with a nice Landlord, he has taken her deposit and one months rent upfront and there is a BR clause int it:eek: Both her and her partner will live there..she went BR in 2008 discharged in 2009 and he is/ will be doing BR in the not too distant future:eek: is it best to avoid…
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Credit Clean MBNA
Morning All I was AD in November 2010. I have been doing the credit clean up (this is hard work!!!!). MBNA updated my file on Experian to "settled" last month. I received the must discussed letter from Eversheds a couple of weeks ago saying they had bought my "debt" from MBNA. I have just had an alert from Experian saying…
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CAN a UK serving soldier claim bankruptcy????
Being in the UK army for 8 years, can I claim bankruptcy without loosing my job!!
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2 year anniversary
Today is the 2nd anniversary of my discharge from bankruptcy in 2009! Some of you may or may not remember me from 2008 when we first realised we had to go down the insolvency route. We were declared bankrupt on 2 October 2008 and discharged on 23 June 2009, just six days before my youngest child was born. I didn't even…
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benefits, bankruptcy, income and partner HELP!!
I am in the early discussions with the official receiver whom on a quick check have advised I may have to repay an IPA of £211 per month. I find this impossible as I struggle to find £100 after bills, food, rent and travel to work. I am a 31 year old single mum of a 7 year old with an income including benefits of £23012. I…
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Br ppi
hi all i know this may of been asked but if you paid a loan c/card off say 4/5 years ago and went br 3/4 years later can you contact the company and ask about ppi? if igot anything back would the or need to know about it even if it was that long ago not even sure if ppi was on it but worth a try :money:
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Certificate of Sequestration
Hi Does anyone know of a company in Scotland who will issue a Certificate of Sequestration and help with the filling in of the forms etc. For various reasons we cannot go to our Citizens Advice Bureau or local Council offices. We know this will not be free. Can Anyone Help?
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Shocked
is this area of the forum the only area where people are not downright rude and insulting and judgemental?! i mean honestly ive seen some awful treatment of people in some sections of the forum. i just got insulted on the utilities board after posting about setting myself a challenge to get my gas and leccy bills reduced…
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Do you lose "Everything"
Hi All, New to the site, just wondered if you lost everything if you went bankrupt, eg house, the lot? Thanks in advance
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Do you regret going bankrupt?
I'm planning on petitioning for bankruptcy next month and i've read all the literature I can find about it but I still have a niggling doubt that it may ruin my life. Do any of you regret doing it? I hope to buy my own home once I get back on track financially - will I ever be able to get a mortgage even after my BR is…
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SOA - Last check before my court date
I'm going to fill in my forms in my neatest writing tonight and would be really grateful for your experienced eyes to look over this please. They are my genuine costs, I'm not taking the mickey, I just want to check if I've missed anything, I set up an IVA and realised in the first month I had got my figures wrong and…
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All sorts of problems
Hi everyone, Don’t know if this is the right place or not? My partner and I are directors of a company The business was very stressful which ended up putting my partner in hospital I made a decision there and then to take her away from the stress We own a home (mortgaged) we own a car (finance) we have debt etc (credit…
