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re DHs letter to lloyds lol
sent a letter..used template from here, to ask them to stop contacting us via telephone, got a letter back apologising, stating they would remove the phone number as requested and were sending DH a cheque for £25 for the inconvenience......but still getting calls but wondering if there may be a process for them to remove…
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Message to Moorcroft :)
Ok, so Im so fed up of Moorcroft, they keep sending me letters to which Im sick of, Im not in the best of moods today doped up on mediciation and have decided to send them the following. Firstly let me congratulate your stupidity for trying to chase a debt that is included in Bankruptcy, as Telefonica 02 (UK) Limited are…
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New bank card for closed account
Today I recieved a shiny new Lloyds TSB bank card... ...for an account that was apparently closed when I went bankrupt thirteen months ago. AD last month. New bank card for this account today. Obviously I don't want anything to do with this bank and am perfectly happy with the co op (at least their call centres are staffed…
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can anyone point me in the right direction pls
just trying to find the relevant online forms for bankruptcy, but cant seem to find them, does anyone have a link please.
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Bankruptcy looming
Hi all, am new to this but really need some advice. Oh and myself own a business which basically isn't doing very well at all. So bad infact that OH has now gained employment elsewhere working away and making really good money. I on the other hand am trying to keep the business going without taking wages and cutting costs…
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Savings Account for Children - rejected
Hi All, Wonder if anyone is able to help, am feeling rather cross at the minute. Basically me and OH declared BR in Aug 09, we now live in a rented property and have a joint account with the Co-op. Just the basic account. We have two children and wanted to set up savings accounts, applied via the Co-op ( this was in my…
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All ready for the big day!
Just finished filling out my forms and printed them all out ready for Monday. Just reading through my SOA has really put the wind up me, I cannot belive the mess I've got into. I've got 57k of debt excluding any mortgage shortfall :( I think i will need a very sympathetic OR to avoid a BRO/U. I've added almost 10 k to my…
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trust dead
Hi Im on a Scottish trust deed but my wife isnt realy with me on this bean on this 2.5 years and im working my !!! off doing my job and fastfood deliveries at nigihts to even live and pay my bills cant do that most off the time just managed up till now .I am now getting to the stage of telling her to go and do her own…
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Bankruptcy- student loan deductions
Hi, Just quick question, my partner is completing his bankruptcy forms ready to go to Court tomorrow, he currently has student loan deductions that come out of his pay, does anyone know whether these will these continue with a nil tax code? Also if they continue can be allow for this deduction in the SOA? Thank you
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Can someone please give me some advice?
Hello We have just had our application accepted for the Mortgage Rescue Scheme. We were hoping that the equity would clear all our debts but unfortunately, the housing association have offered us less than we were expecting. So after the house sale, we'll still have £16k of debt. We are on benefits, have no way of cutting…
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Bankruptcy Advice Please (scotland)
Hello, My wife and I are looking for advice, I think I know the answer wont be what we were looking for but would be good to hear from someone who has had a similar situation. I have a Protected Trust Deed in place and have had for almost 2 years, which should mean 2 years to go. Got a letter (one of many back and forth)…
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BC & Debt Collection
Hi All, firstly i have no idea why i have been diverted back to my original years ago sign in ... For those of you that rememeber (Mr&Mrs) thats me.... A year on after redundancy and losing our home etc etc story is this.... Husband is BC last Nov so that was all fine... I have outstanding debts relating to the old house…
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My SOA
Please can you take one final look at my SOA in readiness for my application for BR. Does everything look reasonable, any comments gratefully received. For those of you who have gone through BR did the OR approve your SOA with no quibbles or do they tend to pick it to bits and reduce allowances as much as they can?…
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Council Tax
I havent paid my council tax since I moved into my flat in april, its taken them a long time to send me the bill then I needed to fill forms out to claim single person discount so my first payment should have been in mid july which I didnt have money for so now ive missed 4 payments and going to go BR on 1st august. This…
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switching utility companies 3 years after bankruptcy
Hello. Just posted this in the utilities forum but thought it may be better here instead. if this is a new UK policy for all UK energy companies or not? is it just E-ON? I just went thru Uswitch and changed to E-On . 3 years ago I had a bankruptcy which was discharged after one year and my credit score is still poor…
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Early Discharge Notice
Hi All, Any advice would be welcome, my BF was declared bankrupt on 4th Jan 11. Today we had a letter off the court stating that date of discharge as sealed by the court was 14th July 11. Does anyone know if we have to do anything now?? And do we act straight away to clear up his credit file? Apologies if this has been…
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Now a Trustee appears??
Hi all Had notification today (well, its addressed to DH but we are both BR) from the IS saying a trustee has been appointed. Apparently their job is to sell our assets??? The OR has already sorted out mine and DH's car and our property which we had we vol. repo'd and its since been sold and money has been apportioned…
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Effects of BR on a financial associates
I've obviously heard that BR can effect a financial associate of yours, but how far reaching are these effects on them? Does it hamper them obtaining credit? If you have joint loans with them does the loan completely fall to them?
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omg my credit rating is a Z!!!
So basically I was in a violent relationship many years ago (7 years ago it ended). My ex was a wa**er to put it mildly. I finally left him when he killed my unborn child by punching me in the stomach. Whilst I was with him I had a very good credit rating and had credit cards etc (i had just started uni to). To cut a long…
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Co-op cashminder delay with fund transfers
Afternoon all, Last night I transferred the rent money from my co op cash minder account to my girlfriends account online (she has the standing order set up on her account for the rent to come out). Normally it transfers straight away but not this time. Its showing as coming out of my account but isn't in her's yet. To…