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Credit Rating - Deliquent Current Account Following Bankruptcy
Good morning, I was made bankrupt 6 years ago and upon recently checking my credit score I noticed that the only negative mark is because my old current account is still showing as not satisfied (deliquent). I contacted the bank and they have said I need to go in with my documents so they can trace which credit agency…
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Is Bankruptcy the best option
Hi, I really need some advice. Myself and my husband split up last year and had a serious amount of debt. My personal debt in my name comes to around £14,565 however I have just found out he has gone bankrupt and we still have £30k in joint debts which I am now responsible for. I really do not want to go bankrupt as this…
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A Question on the B/R Process
I noticed on another thread that the poster said he paid the B/R fees and was going to send the papers in. I didn't want to ask this on the thread because he asked a few questions on a different subject. What I need to ask is what is the right process - the CAB told me that you either make an appointment with the court or…
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cccs or go it alone?
Hi. sorry, i expect this has been discussed before but im a newbie and have a quick question... im currently on a dmp with cccs but have just been offered a lump sum to offer a full and final iva. My question is whether or not im best to pursue this via cccs or try and do it on my own? Do cccs take a % of the offer? Any…
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Should my OH consider BR?
Just after a bit of basic info for my OH really.... After he broke up with his wife 2.5 years ago, they surrendered the family home for a couple of reasons. It was sold at auction at a large loss, think this is somewhere in the region of £35k. He also discovered there are various other join debts amounting to about £6-£8k…
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Should we go bankrupt - please help!
My partner and I have just moved out of a property that he owns and into a rented place. His property he owns with his ex it we have been living there for last couple of years and desperately trying tO sell it but with no luck. The mortgage is ridiculously high and there would be negative equity if sold. We cOuldnt sell…
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Credit file cleanup question
Sorry this is more of a rant than anything! I have been cleaning up my credit files over the past few months and I've noticed that companies are agreeing to mark the default as settled / satisfied then selling the account on. Now, I know they can do this but the companies that buy the accounts are then putting their own…
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After BR discharge - which are the best companies for setting up/changing accounts?
I have been discharged from bankruptcy for two years, my credit files are 'settled/satisfied' and I'm trying to build up my score e.g. with Vanquis credit card and Cashplus loans. I was wondering what accounts are easiest (or most difficult) to get or change to with my record. 1) Electricity/gas companies - e.g. EDF,…
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Few quick questions.
Hi everyone, I was wondering if someone could help me, i have paid my fee for bankruptcy few days ago and was just finishing my form up to send in, But there few things i'm not sure about. I have a paypal account (Account Type is Premier one not business) and ebay account, do i have to place the paypal account on the…
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paying rental deposit just prior to going bankrupt
Hello everyone.. Just a little advice please, just to make sure...when renting a flat just before going bankrupt, what will be the views of the OR with regard to paying the security deposit/bond...I am looking to rent in a few weeks from a private landlord and expect to have to pay at least a one months rent as deposit,…
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My partner's property if I go bust
I got married last summer, and my new in-laws gave my wife £2000 in cash. We split it equally to take home in case we had problems at customs (she comes from overseas and we got married in her hometown) and when I got back to Blighty I put the £1000 in my own account and transferred it to hers. That was last September. Is…
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Bankruptcy just before moving house
I've heard the OR always tells landlords about bankrupt tenants, even if there are no arrears and the rent can still be paid. Which would be pretty disastrous for me if my private landlord decided to pursue eviction. I know they won't always do it, but they could do and I have no reason to trust them. If I go bust in the…
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CCJ over formal solution ?
Can't believe I'm posting this really here goes Clever me has landed up in a job on a zero hours contract, driving miles more then I thought when I am lucky to get work, so using double amount of petrol etc with car, I am trying to get another job but want to stick with what I have until I find something if at all (plenty…
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Getting a student loan after discharge
I've been discharged for over a year now, and an opportunity has come up at work to study part time with the OU while working in order to get a qualification that would progress my career. I would have to pay for all the course costs (but I would be working at the same time, so still earning). I'm doing all the…
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Can I have my defaults removed?
Hi there, I was sequestrated, and defaulted on the 24th July 2006, on checking my recent credit report, it states they are due for removal July 2012, it does not state an exact date, which it should, ie 24th July 2012, can I write to the credit report agencies to have them removed for start of July, or will they not remove…
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Final SOA - Any advice would be great - thanks :)
Dear all, Myself and my husband went through outgoings this weekend. We have finally found a rental that we move into at the end of this month - then BR in July. I have added more for husbands petrol as he says that it is tight at mo - he is always running on red and uses his lunch money to top up when needed. I have…
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Massive thank you
Well I checked the register yesterday, and there it was: discharged 3 June 2012! I don't know where this year has gone! And I also don't know how I would've managed without the support on here! So to everyone who's answered my questions and has given me support over the last year a massive THANK YOU! Your advice has really…
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Undeclared debts
Hi, my ex husband declared himself bankrupt earlier this year. He failed to disclose the contents of the final financial hearing order from our divorce in 2009. It was ordered that he pay half of the mortgage arrears, half of the secured loan arrears, that he indemnify me against his debts, that he take on the overdraft on…
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Credit Clean up question
Hi, I've been following the advice in the credit file clean up sticky, but have hit a problem. My wife and I had a joint loan with Abbey, and cards with MBNA, and we are having problems with these - everything else has been sorted. Equifax list these as Santander and Max Recovery (MBNA). I've wrote a number of letters,…
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Discharged, so what to do now?
I know a lot of threads start with people saying so what happens now I'm discharged and the answer is very little. I wanted to do a sort of summary of my bankruptcy but little has changed since I did it. There was no interview, no contact really since, apart from a letter from Moonbeaver to say don't send us anymore money…
