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Help with credit clean up
As posted previously I have 8 creditors ( or people acting on there behalf ) who are still showing on my credit file as a figure (unsettled). I am searching through my BR and can find the account numbers for the obvious ones but please help on the following:- Max Recovery ltd - EC2Y-5AJ TTI SPC - NG1 9FT i do not know who…
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Post BR
After automatic discharge (2 yrs ago) and having not received any further communication from the OR If I was to come into any money, either say a win or inheritance is there a time limit that the OR could "grab" the money.
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BR friendly Business Bank Accounts?
Hi My BR clears from my file next month and I am looking to start a LTD business. In order to do so, I need to incorporate a LTD company AND have a "business" bank account. I called Co-op regarding the cash minder account but that option is only for personal banking. I have had a NatWest Current Account since 2007 after a…
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How do I make sure my ex doesnt effect my creit score
My ex husband left me over a year ago .We had money problems before and went itno an IVA when he left he promised to carry on paying .He didnt now Im having to sort that out via divorce and court order .What Im concerned about is that it will effect the credit score on the property as Iam pretty sure he hasnt given any…
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Cifas cat 6
Can anyone help with removal of cat 6 entry on cifas? I've been to citizens advice who investigated the situation, they agree with my situation but were unable to help any further.
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What to do next.
Hello everyone,after reading MSE for nearly to five years,my first post. ok, I was in a DPM for four and a half years (cccs) who are brilliant. I finished my DMP in March this year,so thinking i was debt free at last, happy it's was over. About five weeks ago, i got a letter from RBS, saying i still owe around £2,500…
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Being forced into bankruptcy, and have no clue, need advice
I have a debt to a past council, cut a long story short I am due around £2,000. Even though I have offered to pay what I can afford (around £50 a month out of a £200-300 income) they have chosen to no longer reply to me and I must therefore assume are proceeding to make me bankrupt. I know its a low figure but I have NO…
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credit clean up - natwest credit card
Hi, We are in the process of cleaning up our credit files post BR (discharged Aug 2011) and most are updated except one! My DH had a Natwest Advantage Gold credit card which was included in the BR. We have written to the data controller at Natwest, 135 bishopgate twice (using template in fermis sticky) but have had no…
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My OR interview today
Hi all Thought I'd update you. Had my telephone interview today which lasted nearly 2 hours. All in all was ok asked alot of questions but was pain less ( see what you mean about the silences!) I've been set a small ipa but that's fine and better than how it was before. Big sigh of relief!
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Do Vanquis make you send them paper ID?
Hi, I'm gearing up to make an application for a Vanquis credit card, fingers crossed I get it. Does anyone know if they make you send off paper ID? I don't like sending this kind of personal info off to any more companies than I really have to. Izzy
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What can i expect from the hole ive dug?
Im 5 years and 7 months in to my IVA and ive kinda dug a hole which seemed like a good idea at the time. when i was about 4 years into the iva i started to look into remortaging thie house but no one wanted to touch me being on an IVA. and even when i asked for it in writing they refused point blank to do that as well. i…
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IVA - The Truth Please
Hi, I am after some advice please. I am currently 3 years in an IVA with Grant Thornton. When I spoke to them a while ago I explained that had heard information that when the IVA comes to an end i.e. in 3 years time, my credit history will be cleared and that's that. Now I was originally told the IVA will end and then I…
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IVA and Bank Accounts
Hi, I am currently 3 years in an IVA with Grant Thornton and need to apply for a new bank account. I have been looking at the Nationwide Building Society's Cashcard Account and was told they do not carry out credit checks nor do they ask whether you have an IVA. I have the application form and on it is a question about do…
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Got my Date, what happens in court
Hi All, I got my date today, we will be going to court next Friday, can anyone give me an idea what happens in court? Will they read through all of our debts individually?
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Anybody been approved for an Aqua CC?
Hi, I had a Vanquis credit card for 2 years there and never missed a payment but must admit I didn't manage it properly as sometimes only made minimum payments. As a result Vanquis used their variable T&C's to put my APR up to 60+% which I argued was ridiculous. They said if I didn't agree to it I could have APR stuck…
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Help required! Shortfall from Reposession
I would be grateful for any assistance. I have just found out that the house I owned with my ex has been re-possessed and sold in March, and there is a significant shortfall. I left the property 5 years ago, and my divorce agreement advised that the property would go to my ex. I have not contributed to any costs over the 5…
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Hello and I am in a mess.
Hello, I am a working single mum to 2 children aged almost 7 and almost 12 who has been on my own for 7 years. In that 7 years I have moved a number of times after being asked to leave the married quarter I lived in with my ex husband. In the first 4 years of being on my own I moved 3 times and managed to run up debts of…
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Please help - Post bankruptcy
Hi I am looking for some advice following declaring bankruptcy, I will try to give as much information as possible I have lots of questions and am very grateful for any help/advice anyone can offer. Firstly I declared myself bankrupt in August 2009 and was discharged a year later. I would like to do everything I can to…
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How can I stop my BR affecting my new partner
Hi I have read a lot of very useful threads about how to deal with Bankruptcy and how to clean up your credit file. However I haven't found any help and advice on how to stop BR affecting one's partner. I was declared bankrupt in July 2006 so next month my credit file will be clear of my BR and thanks to some really good…
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A Few Questions
This month we stopped paying our creditors at save the BR fees. Should I send a letter to all our creditors to let them know what is happening? We probably won't get the fees together until late July, is this too long of a wait for them? I was also thinking of starting to put our wages and move our direct debits to my mums…
