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Bankruptcy working and claiming sick and job seekers!
Not sure if this is the right section, please feel free to move it..... I have a dilemma someone is married declared separated but still lives with the wife with children has declared himself bankrupt and too sick too work but has two other jobs plus a druggy sideline and also bankrupted himself at his parents address and…
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Quick Q re settled date and credit file
Hi, hope someone can help. I am trying to tidy up my credit file. I'm just wondering if accounts will drop off my file 6 years from when there were opened or 6 years from the default date? Thank you
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Bankruptcy, is it right for me
I have debts of c.40K over about 18 creditors . I have no assets and my only income is ESA. I am paying £1 per month token payment to each creditor as a token payment. I am actively looking for work, however there are some mental health issues that make me nervous about starting a new job (stress, depression, low self…
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Post BR Mortgage Guarantor
Im halfway through my bankruptcy and had resided myself to renting for at least the next 6 years or so, but I have just been talking to my brother and he says he would help my buy an house. Now the first way we thought of to do this was for him to buy a house on a buy to let, and me pay the mortgage and me buy him out…
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Help with voluntary repossession letter
Hi all...not sure if this is right place but basically i need to send our mortgage company a letter for voluntary repossession...we have been re-housed and the property in question is now empty (we have no choice to go bankrupt papers going in next week) ive written this so far: Due to difficult financial reasons please…
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car insurance refund does this go to OR
Hello My car was collected tday. Insurance was paid until November 2012. Intend to ask insurance for some monies to be refunded. Will I need to inform the OR and pass money over. I dont mind about this at all just want to do the right thing. Hey saved on having to tax it end of this month!! LOL
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interview help
Had interview yesterday – wasn’t as bad as I was expecting however they don’t have all our statements as yet so I would imagine harder conversations to come but what I wanted to know is they didn’t really comment on any points on SOA (either reduce or raise) can anyone answer when does this happen? I am worried that I do…
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Credit Checks by potential employers
Hi Just a quick one this. When i apply for a job, and i need to know if a employer has done a credit check on me without me knowing, will this show up on my credit report, or is there a way i can check if an employer has done a search on my credit file? Thanks :beer:
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BR and bank statements
Can anyone tell me how many bank statements have to be provided when going bankrupt?
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Letter from Insolvency Service
Hi guys I recieved a letter from The Insolvency Service today which says that shortly my file will be transferred to the regional trustee and liquidator unit. The RTLU will deal with any assets remaining in your estate and payments that may be made to your creditors. Now what does this letter mean? We rent, had no savings…
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2 years down the line...my house?
It's been a while since I trod these boards, and it's just over 2 years since I went BR (my my, how time flies!). To summarise - went BR Feb 2010, discharged Feb 2011, no IPA as I didn't earn enough. The OR reposessed my car, than my case was passed to a Trustee (may have been because I had a disolved business). The only…
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The march 2012 br club
Hi everyone, welcome to the March 2012 Bankruptcy Club. This club is for everyone who has gone or going through the process of Bankruptcy during March 2012. So please feel free to join and post. Pop your name on here, the date that you went Bankrupt and the stage that you are at now in your Bankruptcy. And then just keep…
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Credit Rating......
I need some advice. I want to know if the following will help my credit rating increase. I recently managed to secure my car insurance on monthly payments, which means i have a credit agreement with my insurers. I also pay for my mobile on a monthly contract. Its been 3 years since i was discharged from my bankruptcy, so…
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credit after bankruptcy
Hi all please help. The background to my plight is this, bankrupt June 2003, discharged April 2005, Not had any credit apart from a mobile phone contract since, credit score on Experian 810(I know this doesnt really count for anything). I tried to apply for a credit card but got refused, no reason given despite me asking.…
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Need to go Bankrupt and no idea what to do
I have looked at all of my options and BR is the only suitable one for my debts. I have a low income since ill health and wondered if I could apply anywhere for help with the costs? What do I do to go BR? Do I go to the County court or somewhere else? I have no assets to sell such as a car or house and it was written into…
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CCJ and BR date.....
Hi I finally got my re-arranged court date through for end of MArch. As I suspected I do have a CCJ recorded against me at an old address and they have managed to track me down. Been served a notice to appear at court in mid april to discuss means to pay etc. By that point I'll be BR. Do I: 1. Phone the number on the…
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Contacting Experian and Equifax
Hello all, Well yesterday was 6 years and 1 day since I got my BR. Now I am more than eager to set the record clean. I would like to contact the credit agencies, and ask them to remove the BR listing on my credit record file, from 6 years ago. How do I do that? I really don't want to wait until they do it on their of free…
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Petition
Hi Only days away from being declared bankrupt -Have received the petition with a court date . My question is do I have to attend ? Thanks
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help bankruptcy and payday loans
hi looking for some advice/info, my partner and myself are both having to declare bankruptcy from some previous debt. i am worried about a payday loan we took out 3 weeks ago with every intention of paying back but the week after we took it out his wages got arrested and we are struggling to just pay the bills off of this…
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help on ebay please
hi i have just had a call from debt collector on behalf of ebay chasing me for fees from months ago (apparently they have been writing to our old address so i have never been aware) i have told them we are now BR and gave OR number they have said it doesnt matter as its a debt from income generated then they can still…
