-
Quick question about SOA
Hi My husband and I are considering bankruptcy (as well as other options) I am slowly making my way through all the posts but I wondered if someone could answer a question about SOA for me? We currently don't spend money on certain things that I believe are allowed by the OR - ie haircuts for me, the AA, pet insurance and…
-
Wescot/Arrow Global letter
Hi there Just looking for a bit of advice please. I declared myself bankrupt back in Dec 2007 after a messy separation with my ex husband and have over the last twelve months or so been applying for credit once more. I recently applied for a Barclaycard (a standard one which was declined, then an initial one) - I haven't…
-
Bankrupt 4 years ago, need a car but can't get a loan What do I do?
My husband and I declared ourselves bankrupt 4 years ago. We were discharged after 6 months but the bankruptcy stays on our credit file for 6 years. During this time we have still continued to pay our car loan to Ford Credit and we have now paid the car off as the OR said that we could keep the car. The car is 8 years old…
-
Finding if someone has applied for bankruptcy?
I'm owed money by someone (an individual not a company). They have told me they have applied for bankruptcy but I've not been able to check this. I have used this site http://www.bis.gov.uk/insolvency/personal-insolvency/individual-insolvency-register and searched their name but it doesn't show up. Would that show if…
-
Bankruptcy Fees
Have had a no-payment IVA through Grant Thornton since 2007 awaiting the outcome of a claim I was taking through Court. The Court case failed. Have informed GT that I need to fail the IVA and have asked for advice. Advice received is that they only deal with IVA and to go to CAB. I had expected that my creditors would -…
-
could some one explain for me please
Ok hi all, here's my question ,if my husband has no choice but to go BR, the only asset we have is our house which is in neg equity,I have read through all the good advice on the group and came across this one written below but didn't understand,so please could either the author or some one who knows what this means let me…
-
Irresponsiable Lending v BR charges
I braved everything last night and went onto Noodle to have a look and reality the sheer amount of debt is frightening. When I started getting into debt I earnt £6.5k a year as a part time cleaner. My household income was topped up with working tax, child tax credit, child benefit and maintainace from ex husband. I am…
-
[text deleted by forum team]
Hi all, new here and this is my first post and reason for signing up, this may be long winded but I'll get to the point. Over the phone, the advice I was given was, "YOU NEED TO STOP PAYING ALL YOUR CREDITORS." He told me that they'd be calling all the time, sending letters and I should ignore them. He drilled it into me…
-
Do we sign voluntary repossession forms before bankruptcy???
Hello, Can I please have some clarification ;0( We have just moved into our rented property (all in prep for going bankrupt, had lots of previous advice etc) only this weekend and NRAM have sent out voluntary repossession forms for our mortgaged property, do we sign these?? I am so so frightened we will end up liable for…
-
bankrupt needing legal advice
I was declared bankrupt in December 2011. I now need legal help in a child access issue. I earn too much to qualify for legal aid. I cannot afford a solicitor. What can I do?
-
Who issued the CCJ
Hello. I just found out from Noddle that I have an active CCJ against me, issued on 22/9/11 at an address that I moved from in Dec 2010. I have the CCJ number, is there any way that I can see who issued it as there is very limited information on my report, just an amount, date and the court name. If anyone can point me in…
-
Credit File cleanup
Hi, wonder if anyone can advise me please. I was declared bankrupt 7th July, 2009 and discharged 12 months later. I don't have any need for credit, and must admit it had not occured to me to check my credit file until someone asked me about it. Needless to say when I did virtually all my creditors were still listing me as…
-
New here - our SOA
Hello, My partner and I will be applying for bankruptcy as soon as we can raise the funds. We have a house in another part of the country that we were renting out, it got complicated when the tenants scarpered and as such the mortgage has not been paid for 15 months. It is currently up for sale and an offer has been made…
-
Can council force bankrupcy?
Ive got into arrears with council tax. I rec'd a letter today from Walker Love (Im in Scotland) saying that as I havent replied to previous letters (I actually have) theyre advising the council to proceed with an action of bankrupcy against me. Is this not counter productive as would this mean they wont get any of the…
-
sequestration
My Trust deed which I have defaulted has ordered via the court a petition for sequestration. If I wish to appeal I should turn up at court at the stated time. I am no appealing this at all. I have an appointment with the Citiziens Advice on Wednesday. I am just wondering what happens next? Thanks
-
IPA and going onto Maternity leave
Hello! Just after a bit of advice please... I went BR in March and have an IPA as am in full time work. I will be going off onto maternity leave in October and my employer does not offer any benefits so it will be SMP - so from early December at latest it will be the standard £125ish/week. I will be back at work after four…
-
OR Interview in 10 mins - Cacking myself!!!
Title says it all!!!!!! :(
-
Old bank Account
Morning All, I opened a Co-Op Cashminder account when I started my IVA 3 years ago. I never got round to using it properly as the Halifax who I have a basic account with were ok with me and my IVA despite having Lloyds as my biggest creditor. My question being do you think I will better closing said cashminder account now…
-
Vanquis card
Good morning I was made BR in May 2011 and early discharged January. On Saturday I received a second letter from vanquis saying I have even selected to apply or one of their credit cards. Obviously I don't want to apply if I am going to get turned down and wondered whether it was worth trying now or waiting? My credit file…
-
Long term value of vanquis c/c and cashplus loan for ex bankrupts?
I have both a vanquis credit card and a pre-paid card with cardplus-where i have also taken up their 'loan' option. In both instances-essentially to establish and re-build my credit rating post bankruptcy 4 years ago (discharged 3 years ago ) The marketing spiel is it will help you re-build your credit rating. I have thus…
