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Hello Everyone
Hi Everyone, Both me and my wife need to petition for Bankruptcy. We went to our local Cab office, they gave us some information, and suggested this forum to ask any questions. They are extremely busy and if it is ok would it be alright to ask a few questions as we prepare all the paperwork. Many Thanks, Steve
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Land Charges
Can you please help,I declared myself bankrupt in 2010 and was discharged in2011,prior to my bankruptcy a creditor applied land charges to our home to the value of 20K,our house was in negative equity and my wife purchased the benificial interset off the official receiver,if my wife was to sell the house in the future…
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What are the advantages of an early discharge?
sorry to be a bore, I went BR in Jan 2012. had a letter from OR today saying they had finished their investigations & were happy to apply for an early discharge, I also had to fill in an income/expenditure questionaire,as i am self employed not on a very high income (so not paying any ipa). What does the early discharge…
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Advice please
On behalf of a good friend...... I know little on the subject but briefly his wife went mad with the credit cards a few years ago and ended up with a top-up on the mortgage plus a secured loan amounting to £125000 (house worth £100000) Same thing happened and now 3 years in to a 5 year IVA? (i think thats what its called.…
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Credit file clean up-Barclaycard
Been discharged 3 years-managed to get credit ref file fairly tidy. Only exception is barclaycard where discharge date remains incorrect and they are not showing it as satisfied or part sat. have written before-but think its falling on deaf ears or i am communicationg to wrong address. Have tried to research myself for…
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will going bankrupt after mortgage rescue be classed as fraud??
Hi I was wondering if anybody on here could help me,me and my husband are going through mortgage rescue and we have been lucky enough to be accepted onto the scheme, due to other debts we were planning on going bankrupt later this year (we have been considering this for over a year now) but are really worried as we have…
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Advice needed on council tax bill For bankrupt
Hey all, My husband was discharged from bankruptcy in 2009 following debts and reposession from a previous relationship. Their home was repossessed and she left him in a lot of debt he wasn't aware of. We have since married and to help rebuild his credit I put him on my council tax bill (I own the property) The council…
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More questions - please help!
hi all Sorry me again, with more questions! I recently went BR and my CO OP account is up and running. Despite giving my new bank details to my ex husband he still paid my maintenance this morning in to my old account. I went on line and checked and a creditor has taken a payment using the card and I now have a tiny bit of…
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Advice needed please
Hi all Im posting on behlaf of my uncle as he is not very literate nor is he pc savvy in the slightest but hes asked me to help though i am admittengly a bit out of my depth in this instance. Back in 2007 he declared himself bankrupt he went through the entire process then afterwards paid the court for paperwork to prove…
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lloyds tsb incorrect data on credit file
Hi I have recently ordered my credit files to find that lloyds tsb have reported an account that wasn't on there before. It is listed as being opened in August 2010. This is incorrect. I am not sure of the exact date I opened it but it was around 2001 and I was declared bankrupt in April 2008 and included in my bankruptcy.…
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Credit File dates
Hi, I was declared bankrupt in 2008 and discharged a year later. I was just having a look at my accounts on Noddle, better late than never! I've sorted out a lot of it previously but on some of the closed accounts I think they have the default date correct but not the "account end date". Should that date be the same as the…
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What happens next?
Hi there, I am having my telephone interview with the OR in a couple of weeks, and have had some great words of reassurance through here. Today my online banking was stopped, and my water supplier reversed my dd payment (poss this will incur a bank charge i was told, even though there was funds available), and have sent me…
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Going bust with unreliable income
Hello, I had a bit of a lightbulb moment last week. Vanquis offered me a higher credit card limit from my next statement date, but then sneakily charged interest before giving me the raise. I had spent right up to the limit, so that made it go over. I rang them up and they waived the £12 overlimit fine, but said someone…
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Assets under bankruptcy...
I thought usual case for assets under bankruptcy was that the OR would not be interested in anything with a value of under £1,000? I have just had a letter from my OR stating that I must find some one to pay £250 for 4 items (2 ancient saddles and 2 ancient bridles) which I have for the horse???!!! This is the total value…
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Thinking about going bankrupt
Hello, I'm looking for some advice please. I'm about to apply for bankruptcy sooner rather than later as I have left it far too long. My wife was declared bankrupt last year when we were seperated and although we have been back together since september I haven't got round to declaring myself bankrupt. I suppose I still had…
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Car on hp
Who takes this away wen made BR.. The finance company or the or?
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Surrendering keys after Discharge of BR
Hi I am new to the forum and wondered if anyone could give me any advice. I was discharged from BR in Feb 2010. I have just heard that the Trustee in BR is giving me the deeds back to my home because of the Neg Equity ( About £31,000 ) I do not want to stay in the property as it needs at least £10,000 spending to maintain…
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Thanks a million!
Thanks for the £1,000,000 Martin, much appreciated! http://uk.news.yahoo.com/money-saving-website-sells-87m-085629591.html :beer::j:T DD
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Co Op Smart Saver Account
I had read on here that some people had successfully opened a Co Op Smartsaver Account and others had been declined. We already have a Cashminder Account with the Co Op set up since our BR. I applied over the phone for a joint Smartsaver account and was turned down. I have been discharged nearly 2 years. I got the…
