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Credit file clean up headache
Hi guys, I have several creditors that have still not updated details with the CRA's two of them I am dealing with but two others I sent the correct letters asking for the corrections to be made over a year ago. At the time I checked that they had been delivered which they had but hadnt printed off the proof. I still have…
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Am i liable for my Wife's Debt
Hi all, Sorry if this is the wrong section, basically my father and step mother have split up and will be heading for a divorce. My father currently lives with me, and my step mother lives with both their children in their house. The house is both my step mother and my father's, 200k profit to be made on the property when…
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Help....Post BR self assessment question
Hi, I am really confused, I was discharged BR in April 2010. In my BR year I moved house and it turns out that since moving house HRMC continued to send post to my old address, sending self assessment forms to my old address. Now one of these relates to my BR year, luckily for me the person who now lives at this address…
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Bankruptcy advice re home & employer
I am thinking of going bankrupt but would like some advice if anyone could help. I think our house is valued around £120k but they have been selling around £110k our mortgage is £114k so i am wondering if we will get to keep our house when we go bankrupt? has anyone else gone bankrupt and kept there house? also i work for…
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Has the OR forgotten us?
Hi there, My husband & I went BR last April. We've been paying a fairly chunky sum monthly to the OR, but due to change in jobs/living arrangements were told by the OR to stop payments until new fees were worked out. We sent all the paperwork off as requested and haven't heard anything since.... Have they forgotten about…
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Credit file clean up Problem
Hi all, I have recently followed the instructions to clean up my credit file after being made bankrupt 10-12-2009 I have received a letter back from one of the creditors. I do not understand their interpretation of the letters I sent, I included the letter that is advised on the clean up page, my Bankruptcy order and…
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adding a creditor after bankruptcy has been awarded
is this possible? i have a vodafone contract i didnt realise i hadnt put in with my SOA, my bankruptcy has been awarded a few days ago. Can i now add this in with it?
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How Long
from when you we decalred BR till when your bank accounts were frozen or closed? im hoping that my regular account wont be closed so i didnt set up a co-op one till yesterday and all my money is still set up to go to my pre-br one. i keep checking online banking and its still active.
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e-savings accounts
I'm curious, is there a difference between an e-savings and a normal savings account? I often see threads about people wanting to open savings account during and after BR and it seems most places won't give even post BR's accounts, despite the fact that its not credit, etc. Anyway, I'm just wondering if there is a…
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OR Interview, done and dusted!
Hi, I had my OR interview today, and I couldn't believe how calm and understanding he was! I was so nervous, even though everybody on here told me not to worry. My interview took an hour, which might have something to do with the amount of creditors and me telling him my life story. But time really does fly when you're…
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Spending pre BR Court date
I have my Court date in 3 weeks time. I have a credit card which I took out prior to speaking to a debt counsellor who advised me BR was my only option. I am moving in a weeks time and I need to buy a TV (my existing one is my landlords) and small fridge (this is the landlords too) Will it be frowned upon that I took out…
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How long for the "reasons for bankruptcy" on the forms?
I have read through the other post about how to write this, which is really helpful. I've drafted it out and I don't think I've waffled, but it's almost a page of A4 in font size 11! I still need to add the dates of a couple of cards in there as I did some switching from one balance transfer to another. How long was yours?…
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Reclaiming Bank charges and PPI
Hi there, Hope someone can help with this query. In relation to the PPI debate and reclaiming bank charges, I am interested in claimimg back some money. I am currently an undischarged bankrupt. my husband isn't bankrupt. Our policy and bank account were both in joint names. So, Can HE make a claim and keep the payout (as…
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Personal Bankruptcy & Limited Company
Hi, I am considering going bankrupt after mounting up debts over the last few years to the point I can no longer keep up with the credit card payments. The concern I have is I am the sole director of a Limited company and wonder if this will be affected in anyway? The business has not made money up to this point and shows…
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appointment, can i ?
hi can i ring and make my court appointment whilst im waiting on dwp letter do you think? dwp told me it would be sent on monday but not here yet. well wasnt yesterday ,im not home at moment so cant check till over weekend. reason i ask is that my bike needs new tyre and i dont want to get it then i dont manage to keep it.…
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Message on co-op internet banking site.
I have just loged in to my internet banking tonight and the Co-Op are going to offer a free security package to download to make your on line banking more secure. I was offered this item through a message that made it look like I had to have it to log on when I was with Alliance & Leicester. The program used so much memory…
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Going bankrupt
Can anyone confirm my understanding that if I file for bankruptcy it will not affect my new partner or her address in any way. We have no financial connection - joint account/borrowing.
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letter from official receiver confused
just received letter regaurding income payments agreement for my bankrupcy......its says i have to pay £287 each month for a period of 36......does this mean im have to pay this for 36 mnths???
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a few concerns
hi, wondering if anyone can offer any advice support? as you know as soon as i get letter from dwp i will be phoning court for a br date. thing is im doing the usual worrying/completely terrified bit. im sure the thought of it is worse as tbh if someone said it was a picnic id still worry. so my questions are, is the court…
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Anything that can be done re address on IR
i never thought about it before but my ex husband will soon know i declared BR and my full address is on the IR. i dont want him knowing where i live and he can easily check it and turn up on my doorstep. :eek: is there anything i can do about the address being so available online? IFY there was violence on his part but…
