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Monthly Fuel Allowance
Hi, We currently have 2 cars but are going to manage with one following BR. After adding up the total mileage we do which will include my husband going to work, him returning in his lunch break and taking me to work then him picking me up at night will be 100 per day. This is going to cost us £100 per week in fuel. Is this…
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Advice on bankruptcy and divorce settlement
I'm not sure if I am using the right forum for my problem. I need some advice with regards to my divorce settlement and whether I need to go bankrupt or not. When I was married to my ex-husband in 2002 we signed a contract for our son to attend a private school. In 2008 we divorced and in that settlement my ex was ordered…
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Easy to get store cards to help rebuild credit?
Hi Are there any store cards out there that are easier to get than credit cards to help with rebuilding credit? I got turned down for an Aqua card and recently closed off my vanquis account after repaying. I don't think there are any other CC's I could get but really want to start rebuilding my credit file. I have heard of…
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Question on tax and bankruptcy - please help
Hi I am so confured here :mad: I hear that I will be going onto a nil tax code and have to pay the tax to moon beaver or rtlu or official receiver. I don't understand what I am supposed to do. I still pay tax on my salary as I always have. I have never been given any tax back so I don't understand how the official receiver…
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Credit Clean-Up But No Default
I am cleaning up my brother's credit file after his bankruptcy in Feb 09. He was discharged in Feb 10. I have finally got all the info and dates correctly updated. The one thing remaining I wasn't sure about was an account that never actually defaulted. He shows as 1 month behind, 2 months behind etc up to 6 months behind.…
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Case moved to rtlu
Hi there I received a letter from the official receiver yesterday to say that my case had been move to the RTLU. This I think is because our house was repossessed so there is an asset involved in my bankruptcy even though it was in major negative equity. Anyway my question is does the RTLU now start their own investigation…
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Cashplus iAdvance
Have used the Cashplus iAdvance a couple of times now and always paid back on time, this facility has now been removed from account. Anybody else had this?
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Bankruptcy and Pension
I stopped working in February 2009 because of ill-health and have been receiving IB and IS (recently changed over to ESA - Support Group). I have debts totalling just over £21,000, which I was paying off with a debt repayment plan with CCCS until December 2010 when I was advised that bankruptcy would be the best route for…
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Bankruptcy
Hi all Just a quick question......can we apply for bankrupt together as one or do we have to do this individually? Between us we have £24k debt but only mortgage and joint accounts we share, rest of debt is in individuals name. We know we will loose house by doing this but have no real way out since Ive lost my job and my…
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Any advice appreciated, new poster needing opinions
Hello, I'm hoping someone could give me a little advice... I'll give a bit of info if thats ok. Basically I am currently living back at home with my mother and this relationship has completely broken down with no chance of rectifying, I have been asked to leave within a few weeks. I have a son of 9yo who stays with me 2-3…
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don't know whether to go bankrupt
I am not sure whether to declare myself bankrupt. I am in arrears with my rent (about 4 months) over £2,000 plus £400 to the bank. I know that this doesn't sound alot but to some people but i lost my job due to the depression i have been suffering and have no way of paying it back. I have had to move back to my parents and…
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How much of my credit limit should I spend each month to build rating?
Great news is I have been accepted for a Vanquis card! At a rate of 59.9% ... :eek: But it's OK because I will be paying off in full each month. I don't know what my limit is yet. Does anyone know what percentage of my limit I need to spend each month, to get the green ticks? I heard 30% of the limit, can't remember where…
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I've decided to declare bankruptcy but have some final questions
I've finally decided, once and for all, to declare bankruptcy. I'm going to do it as soon as possible, but I was hoping someone on here wouldn't mind answering a few final questions that I have (sorry to be a bother!). The first question I have relates to how the OR will calculate my income after I've declared bankruptcy.…
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Help with Credit Clean Up
Hi, Can somebody please help me? My credit files have arrived and I am starting to go through them, but my records dont look like the sample records on the Credit Clean Up thread and I cant see how the information relates to what I have in mine. I'm all confused :huh:
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Going BR Friday, baby due next month - SOA & IPA info
Hi All, My husband and I are going BR on friday, we have approx 50k unsecured debts, house is on the brink of negative equity and I am due a baby at the end of next month. My question is this, as my SOA will change pretty meuch soon after the BR what will happen. As I am only getting maternity allowance from the government…
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Newbie needing guidance plz
Hi all, I have spent weeks reading through all the info on here to the point where my brain has burst and i think my ears are practically bleeding :-/ .... there are a couple of points i need clarifying if anyone could help... My income is currently made up of £900 income from part time work and £600 WTC/ CB - am i right…
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Changing circumstances immediatly after BR, SOA/ IPA help
Hi guys, thanks for all your time, been lurking for a while and found the info here to be of great help! My wife and I are planning bankruptcy in the next month or so, we have taken advice from CCCS and they confirmed bankruptcy as the best course of action, with around £15k unsecured from 3 - 6 years ago (not been paying…
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Bankruptcy cleanup after 6 years
Time flies and I am pleased to say next year it will be 6 years since I became bankrupt. Am I right in thinking that 6 years after the date of my bankruptcy (not the discharge) the bankruptcy notice should automatically be removed from my credit records? I have a credit card from Vanquis, but other than that have not…
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Shaared Inheritance
My wife's mother recently died and left a small house to the her and her brother.. Her brother was declared bankrupt in January. Once probate has been granted can the insolvency court force them to sell the house to use the value of the property to pay off his debts. If they cannot force the house to be sold...as they…
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Insurance following Bankruptcy
Having declared myself bankrupt in April due to unsurmountable debts following illness, I now find that to obtain insurance of any sort is almost impossible at a reasonable price-does anyone have any ideas how to make insuring home and car more affordable?
