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July's 2012 BR Club
:staradmin Hi Everyone and Welcome to the July 2012 Bankruptcy Club :staradmin This club is for everyone who has gone or going through the process of Bankruptcy during July 2012. So please feel free to join and post. Pop your name on here, the date that you went/are going Bankrupt. Then just keep everyone in the club…
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Yorkshire Bank Readycash basic bank account
Hi, Has anyone applied for the above account and been succesful opening one? I was just wondering what sort of debit card you got with it? I'm hoping to still be able to get a mastero card rather than an electron card, plus the Yorkshire bank is closer to me than a co op should I ever need to go into the branch.
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Income Tax
Hi, Can we include income tax from 2011/12 even though we don't have an exact figure yet? My Husband will also have 2 months from 2012/13, can this also be included? KL
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Reduce the 'Default' notice expiry time on credit reports
Hello All, I cam across this petition when i was searching out information on defaults. I think this is well worthy of a debate. If you agree please sign up as well. paste the following into your search engine: Reduce the 'Default' notice expiry time on credit reports or copy and paste the link below REMOVING THE GAPS:…
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OR interview worries
It is my OR phone interview this Wednesday which will be one month after the BR and I've several worries. I have sent them things they have asked for, 12 months bank statements and credit card statements and a loan agreement. My worries mainly are them scrutinising my statements and then saying to me "why did you buy…
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AD day what happens now?
Hi all Its been 1 whole (very quick year) and today is my aniversary for when we did the deed. When will my name drop off I have check this morning but im still on the reg will this happen tomorrow? Am I free to do ad I wish now and just worry about my IPA untill that is finnished? What do I do and were do I go am I really…
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How to get credit after 80's repossession?
I'm actually asking this on behalf of my ex's new bf! He can't get any credit be cause he & ex wife got repossessed in the 80's He's built his credit rating up, but the repo is permanently on his credit file (albeit as cleared) Each time he tries, they just use automated system that sees the repo and fails him instantly…
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DH being made bankrupt Mortgage People won't accept DD payment from me
my husband is being made bankrupt soon and he has tried to set up the mortgage payments from my account. I never changed anything to my married name as we knew this would eventually happen so have kept all my things in my maiden name. The mortgage company have just written to say that they will not accept a direct debit…
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home insurance help?
Hello could anybody help us? we were made BR on 26/10/11 but unfortunatley our house got burgled last week. they ransacked the house taking loads and damaging the property. we are having to make an insurance claim. my question is will we have to give the insurance pay out to the BR or can we replace/fix the items that were…
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Cleaning up Call credit file
Hi, Quick question, I have got my statutory credit file form Call Credit and it looks like all my defaults are off, but when I look on Noddle it shows as one on there with the wrong date. The one with the wrong date was on Equifax as well but after chasing santander has now been removed from Equifax. anyone got any idea…
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Mortgage application form after BR falls off credit file?
Hi, My i'm a discharged BR and it is due to fall off my credit file in November this year. I'm planning for the future in trying to rebuild my credit file; recently got a full Barclays account and now got a sub-prime Capital one credit card with £500 limit- plan is to use for petrol and shopping only and pay off in full…
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Im in an awful mess please help with bankruptcy
My ex left a year ago leaving me in the house on a joint interest only mortgage .He promised to pay IVA but didnt keep un payments that has now failed I cant afford repayments Im struggling now to make ends meet day to day . House has a secured loan in his name which I agreed to when still together its also in negative…
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trustee requests
Hubby declared bankrupt in march after small business failed. Now trustee has said that he is still acting as a director of his failed company, we are sure that this was sorted by his accountant. Also trustee has asked to be forwarded a copy of the valuation that we had on house. 1) Does hubby send a letter to companies…
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help
Hi, I am currently about £ 14,000 in debt and need to sort it but how. The debts include credit cards, overdraft, tax owed. im self employed work has been very bad for a while now, i need to proritise and need advice. thx
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Tax Credits
Can I have a tax credit over payment taken into my BR? The tax credits contacted my child care for an average child care cost over a number of years and has left me with a bill of £4700.Putting my hands up it was caused by me burying my head and not keeping a check on my ever changing child care arrangements. I currently…
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Early discharge
Hello I will try to keep the story short that lead up to my bankruptcy order and will give an idea of hopefully helping me towards a discharge. In 2008 I was clipped by a train at work caused by negligence from the signallers who control where trains should be, sadly for me the person in question did not see the train on…
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Income payments during bankruptcy, any advice?
Hello everyone, I am just looking for a bit of advice; I have been bankrupt sinceNovember 2011 after 2 x debts one to Barclays and one to hbos. I was unemployedat the time and have been until last month. I have however got a job I startedlast month and have informed the official receiver. I was sent a form to fill out…
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4 1/2 years on.
Is where I'm at and there is life after br. I went br, after leaving an abusive marriage, when I then found out he'd also put lots of debt in my name. Long story short, I had to br. Which I did with you holding my hand. I have been slowly trying to rebuild my credit not to spend. But to show I can be trusted, I've learnt…
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BR and starting employment - confused!
Hi all, I hope you can help... I declared myself BR in April after a failing business and lots of old debts got on top of me. I have since relocated to live with my OH and have been battling with the benefits system to try and get some money to help pay rent, bills etc whilst jobhunting. I've now finally got a job…
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My grandmother is declaring herself bankrupt and I'm very worried, advice?
First of all, I'm just a student, 20. I'm saying this because I'd like some feedback to this as simply as possible because I honestly am lost when it comes to this kind of thing. My grandmother is of pension age and has many old debts from catalogues and credit cards that she just can't manage any more because of the…
