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And So Begins The Phonecalls!!
not heard anything for ages from my creditors and even then it was just sporadic letters but the phonecalls just started. lowels just "text" my landline asking me to call them. im in 2 minds whether to do it just so i get the pleasure of telling them im BR and they can do one for a debt that was never mine in the first…
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Current Account with Lloyds TSB Post Discharge
Hi, I was discharged from bankruptcy on 30 march this year. Last week I applied for a bank account with lloyds online, I was waiting for a question to appear about BR but there was none, neither any mention in their terms and conditions. After completing the application online, I was told that I will hear from them…
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IPA Mortgage Arrears etc
Hi, I am about to complete a new Income and Expenditure sheet - currently have an IPA in force but have my partner moving in soon so figures will change. My question is that I am 2 months behind with my mortgage and secured loan, and have been since BR (so situation hasn't got any worse), but both lenders are now pushing…
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Full current account post BR
Hi all, I declared BR back in April 2008, was discharged in April 2009 and made my last IPA payment last month. I've cleaned my credit files so everything shows as settled/partially settled and I have several new lines of credit that are all managed A1 .. 2 Credit cards with £1500 limits and a mobile phone contract. I've…
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DMP or IVA?? Totally confused...and upset!
Hi all, I'm new to all of this so in need of abit of help!! Me and my husband have only recently gone onto a debt management plan where we are paying £872 per month to clear debt of around £45,000 (ouch!!!). However, the company who arranged it for us have now contacted me and suggested an IVA where the payment will reduce…
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Tying myself in knots
Please help me make the right decision. Been on a dmp with cccs for about 8 years but very stupidly ran up other debts during that time as we needed new boiler, my daughter got married etc etc. No excuses. We've got about another 8 years on the dmp without these extra debts and daren't tell cccs . There's about £12,000…
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bankrupt in scotland
could anyone please tell me if i can find out if someone has been made bankrupt in scotland? x
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Old Bankruptcy Debt secured on my house
Hi Desperately need help as I am being chased for an old debt related to a bankruptcy order from over 14 years ago...... Foolishly when i was married I allowed my ex husband to use my name to run a business and after 3/4 years I had to declare bankruptcy. The only creditors were the tax man and there was a small over…
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17 Days, 3 hrs and 2 mins
I have only a short time left till AD As yet no sign of a BRO/U what are my chances of getting one at the last gasp??? Other than a six months check of my SOA I&E I have not heard a cheep from the OR from the day of my interview till this I would be glad to hear from anyone about their own experience vis a vis last days
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IPA or no IPA?
Hi all, I am complete newbie, been lurking on the sidelines thru my BR prep, court and OR interview... this site really helped me cope! So thanks all... One question tho... have got my nil tax IPA letter a couple of wks ago and am now wondering if will get a letter or not if I am not gonna get an IPA? My OR interview was…
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statement of affairs/income checking
I was made BR in March of this year.I have since agreed my voluntary arrangement of payments for the next 3 years. Does anybody know if and how often the OR checks that income is still the same and do they ever check your P60. I do not want to cheat but I have just received a 'very small' pay increase and wonder whether I…
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Bank Accounts
Hi all. Made bankrupt on 21 April. £700 overdraft was included as one of the debts in my bankruptcy. When I had a meeting with OR, he said that my bank (Santander) may close or downgrade my account. So waited to hear what Santander was going to do. Without warning, my account got blocked on Saturday. When I called…
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bankruptcy
I was declared bankrupt in june 2005 i was then discharged in dec 2005. our house was in negative equity at the time our mortgage was 252,000 so we were allowed to stay in the house but my share was transfered to the official receiver, in 2008 they asked for the house to be valued and it valued at 50,000 more than the…
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Need to pointed in right direction
Hi There, Made bankrupt in Nov 2009, discharged year later, have done the credit clean up, all good so far. Issue with equifax in that a debt collection agency searched my file on a debt nearly 12 years old. I queried this with equifax and finally got a response from meckensie hall to the following: First and foremost I…
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Collection Agency Letters
Hi all, This is my first post so apologies if it's in the wrong place or I'm asking a question that has already been asked and answered. I was declared bankrupt in Sept 2008 and automatically discharged 2009. Since my discharge I have been receiving, roughly every six months, a letter from a debt collector (dlc) demanding…
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Charging order - Link Financial
Hope someone can help here. Link financial were granted a Charging order back in 12/2009 on our property (Should have fought it but a 15hr night shift and not receiving all court papers it went through very quickly) and have been charging £100 a month interest (Higher rate as the original loan) since. We went bankrupt in…
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Chiltern : The debt people
Morning all, I am currently in the early stages of bankruptcy and have enlisted the help of Chiltern: the debt people for advice with the possibility of paying for their help. Has anybody had any dealings with this group or heard any feedback?? Many thanks
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question
Hi All, I have a question it will be 12 months on August the 9th this year since my BR. I should then be automatically discharged. I was told that i would be contacted this year in feb or march to go over circumstances to see if things are the same etc however this hasn't happened i'm guessing it's because they are…
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Dvsl
Hello Guys, Myself and my wife are in the midst of applying for BR, We are currently saving for our fees. Our house was reposest last October, we moved in with my wife's family for a month and with my family for a month, we are now renting a property, however my mother in law has now received a letter DVSL asking for her…
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27th june
well thats it . rang court and date is the 27th june. lady offered me tomorrow but im trying to get someone to take me and they are away till thursday. omg . lets hope the dwp letter is there when i get home on thursday as tbh the lady on the phone the 3 times ive tried to make an appointment wasnt that friendly sounding…
