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Who to write to?
Hi all newbe here! My wife and I are in the process of sorting out our credit rating after bankrupsy, we have been discharged for over 19months now and have started with the usual credit reports and a couple of things have come up. The reports are over 3 month old now so i know we will need to get updataed ones before we…
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General meeting of creditors
Hi guys, I've had a letter saying there's a general meeting of my creditors on March 29th and I can go... is it normal for them to have a meeting? And would you expect me to be invited? I don't think it's something I want to attend!!
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Advice re discharge and IPA
Hi all I was declared bankrupt on 20/01/11 and have just checked the insolvency register to see my discharge went through on 20/01/12. At no point during my period of bankruptcy have I been contacted by the OR to complete an SOA (other than the initial bankruptcy paperwork) and, as a result, there has never been any IPA or…
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Need some advice regarding large debt
A little background info; I had to come out of work almost two years ago due to serious illness. I am still currently out of work and receiving DLA, I'm not sure whether a return to work would be possible. The house we were living in was mortgaged with an additional secured loan. We managed to get a council property and…
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Somebody claiming to live at my address!!
Hi guys, I'm a newbie so go easy!!! Hope this is the right section of the forum? Anyway, over the last few months I have received several letters for a person who seems to be using my address as a way to hide from debt collection agencies. As far as I am aware, they aren't on the electoral register for my address, however…
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Credit card debt with mortgage lender
Hi, I have a mortgage with Halifax but also a cc with bank of Scotland £5000 debt, when I go bankrupt will Halifax take any action as I know Halifax and bos are same thing, my house is negative equity and so am hoping to stay in it
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Car on HP "hidden" !
Hi all, I have a question relating to a long standing & valued member of staff who is shortly to go bankrupt. Long story but her bf (a gambling addict) allegedly ran up debts in her name then disappeared. Anyway, aside from all the card/loan debts she has a car on HP. I explained that when she goes bankrupt the HP company…
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Experian showing 2 BR Entries.
Under the public record entries I have 2 entries a J1 & J2. J1 shows discharge date & J2 shows BR date. Is this normal? It reads like I have been made BR twice...
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what if you forgot debts
I am just going through all paperwork to send to the OR. and just a thought what happens if you have forgot about any creditors and not put on SOA i have just found a santander store card which has £46 but becuase i have always been paying 3.50 a month i never remembered about it. can i just tell the OR now? and out of…
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Credit card accounts after BR - preventing use...
Hello, After going BR i've received 'standard' letters of default from one or two CC companies. The wording on some of these suggest the card could still be 'used': "You must not use your card for any reason(s)..." etc (yearly payments, monthly's...) What's the best/quickest way to have the account made 100% unusable? I…
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Vehicle Loan
I was declared bankrupt in November 2009, and have now been discharged since 2010 , I have a vehicle loan that I don't think was on my SOA as it was my vehicle I used for work, that was taken soon after the bankruptcy. I went to court and informed the judge that I was bankrupt, and that was the end of the matter. Now it…
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preparing for bankruptcy
i know there is no point paying unsecured creditors in the weeks before bankruptcy, but would you be ok to take your wages out and save them in the form of cash for the fees etc or would the OR want to know where they are? thanks for any help
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Creditor not listed in Statement of Affairs (Debtor’s Petition)
Hi Folks. First post here so be gentle with me! Grateful for any comments. I am pursuing a (former) friend through the small claims court for a £1200 debt and they are defending the claim on the basis that they went bankrupt and so the debt is not enforceable. Some facts - They incurred the debt with me in Aug 2006 - They…
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bankrupt while unemployed
hi all looks like i am going to go br soon my family have offered to lend me the fees but i was wondering if the process is different if you are unemployed or working as i have been unemployed:exclamati for two years.
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Renting and need a bit of advice!
Hiya, We are currently filling out my partners bankruptcy forms. We rent a property off a close member of my family who charges us (£500) rent (this includes house insurance too as he owns the property).We pay in cash so only the cash withdrawal shows up on bank statements. On the forms ive read we may need to produce a…
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Lodger or Partner in SOA?
Hi can anyone advise me? Am finally in a position to petition for my own bankruptcy as will shortly have the fees available. Am presently renting as a lodger but need to move out and have the opportunity to move in with my partner as her son is moving out and she needs to supplement her income by means of lodger. Her 19…
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Bankruptcy for ex wife -
Whilst divorced two years ago and still paying mortgage, CSA, Bills and IVA. My ex wife has refused to pay anything towards the joint debt as incurred during the marriage. I have negotiated with the IVA that the house is removed from any claim and to pay a reduced payment at an extension of 12 months. However we also have…
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when to stop paying bills
Hi - after seeking advice - seems like br is only option When do I stop paying bills - despite living on charity from family I have struggled to pay bills and have no arrears but due to everyone feeling the pinch, noone can bail me out anymore and I need to raise money for BR fees. I have a few questions - do i just cancel…
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what classed as income in iva
looking to go into an iva.we have child tax credits working tax credits and dla as well as my other halfs wages.are these used as income for the iva
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Got a CCJ removed and my credit score has dropped ????
Hi, my first post and I couldn't find a specific place for this so this seemed to be most appropriate. I've been battling to increase my credit score from the mid 280s after I had a rought time financially as a mature student. I managed to pick up 3 CCJ, 2 for over £7k and one for £300 in 2008. I've been trying and trying…
