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When does Bankruptcy cease to be ' Relevant '.
Hi all. I went bankrupt in 2003, discharged in 2005 under the new rules. I have followed the forum in recent years, succesfully cleaning my credit files etc, and since 2010 have been getting market leading current account,credit card & a Tesco loan, swapping credit cards, 'rate tarting' ( is that the term )? The only…
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Lost money?
I pay my utilities monthly, reading my elec & gas metres on the last day of the month typing the readins in online and paying the balance. Water I pay monthly. I changed bank accounts because of the BR and missed a monthly payment for water because of that, so paid from my cashminder a couple of days ago the missed…
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Court Order
Is it possible to appeal a Court Order ? As new evidence has been uncovered
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repossession
Can a Claimant (private individual)with a Court Order repossess a rental property and take the rent without putting their names on the title deeds ?I am concerned that I am consenting to being repo'd ,to remove the court order ,yet I am still responsible for the upkeep of the property without receiving the income .Any…
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Halifax - Childrens Accounts - OR
Good Morning, Just been reading another thread regarding bank accounts and it came up that The Halifax will close all accounts including childrens. As I bank with Halifax I am planning to start using the co-op cashminder account I have had up and running (i have had it 2 years and not used it properly). I didnt give my…
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Worried about face to face interview with Official Receiver
I was made bankrupt by HMRC a month ago due to my then business partner making some errors on the VAT forms for a business we had 6 years ago. They basically slapped us with penalties and fines. My ex business partner managed to sort out an IVA as she is in full time employment but as I was unemployed and had no means to…
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Got £250 credit limit - how much should I use?
I finally have my Vanquis card in my hands. I'm so pleased to have the chance to rebuild my credit. I read on another thread that having too much available credit unused lowers your credit score. So ideally, how much of my £250 limit should I use each month (and pay off in full) to improve my credit score best? thanks a…
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Removing trust deed notice from google serch
As per the title, how do I arrange removal of the notice from google now that the trust deed has been completed?
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Bankruptcy/Mortgage with guarantor
Hi Guys, just a quick one hopefully, I have finally got to a point that I have been avoiding for years, and that is I am very likely to have to go BR in the coming months. One question I have is that I own a House that has approx. £8,000 equity, my Dad is a guarantor on this mortgage. I currently rent the place out and I…
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Debt Relief Order
Hi Everyone, I'm new to this site and i am looking for some advice. I took the step of speaking to CCCS today about debts from when i was younger, with my income and outgoings they have advised me the best option is a Debt Relief Order. I was just wondering has anyone done one of these and if so can you advise me on the…
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Creation
Hi, We have a debt with Creation Finance which is included in our bankruptcy. I have just looked at my Husband's car insurance and because he opted to pay monthly, this is also through Creation Finance. What do we do?
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quick question
Hi im now br have been for about a week my question is i had a card with capital one before br but was up to date with payments put it down on br forms as a debt and cancelled dd have just got a letter from them saying they are aware i have cancelled my dd and telling me other ways to pay now will this be included in br…
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Bankruptcy and going abroad on holiday.
Was declared bankrupt last September and just want to know about going abroad on holiday. The holiday would not be paid for by myself but u was told you had to apply to the master of bankruptcy to ask if you can go abroad, and who is paying for it etc. How would the bankruptcy agency know if you went abroad and didn't tell…
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Bankruptcy, voluntary repo and shortfall
Hi and thanks for having a look at my very first post, thanks for all of the info and advice in advance. We bought our home in 2006 at the peak of the boom paying £80k with a 100% graduate mortgage through HSBC. We lived in the house for three years, due to my partners rare health condition were forced to move 200 miles…
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Stressed and Distressed
I went BR in Sept 2008 and discharged in Feb 2009. 2009 saw me debt free, living in a private rented flat aka squalid flat so when I was offered a place in a Extra Care Sheltered place, newly built I grabbed the opportunity with both hands/feet and moved in Oct 2010, only debt was a £93 electric bill from squalid ex rental…
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Gym Membership CCJ Worry
I joined a Gym at christmas as they had an offer on for a free month trial then £27 per month. I used the free month and paid for one month extra use then canceled the membership as I decided it wasnt worth it. 6 months later I am being called by a credit collection agency for my unpaid fees, so i fished out the agrement…
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tax credits and bankruptcy
Quick question me and my partner both work PT i claim child/working tax credits and child benefit. If he goes bankrupt how do we work out his income?? do i halve the tax credits or are they classed as mine as the three children are not his?? very confused!! :huh:
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nearly there
well we are nearly there ,still cant believe that its been a year seriously where did that go? cant believe its been a year since i cried my poor eyes out over nothing lol. for everyone out there it isnt as frightening,horrible as you fear. i was lucky that i had nothing to loose,id already lost my home when my husband…
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House repossession Worries on going Bankruptcy
Hi Everyone, First of all want to thank everyone who comes here to share experience and advise. Great site. I am considering going bankrupt over £34k over 4 CCs & a Personal Loan ( UnSecure ). My main worry is I am a sole owner of my house of which I took the mortgage 2010, borrowed £113k and after 2yrs payment the Balance…
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what's the best way to improve my credit rating?
I've done everything I can to clean up my credit rating on experian which is now very good. Would I be able to apply for a credit card so that I could build up my credit score if I was bankrupt 4 years ago? Already had a creditbuilder mastercard and paid this every month but can't get even the slightest amount of credit…
