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What would happen to my girlfriend if i moved in
Im now preparing to go bankrupt, and will do it in the house im in now. but looking at it my tenancy ends in oct and prob move in with the girlfriend. what happens?! will the OR send her loads of documents to fill out etc?
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Taking action, no more burying my head in the sand.
Hi there folks. It's come to the stage where I can no longer bury my head in the sand. My debts have been out of control for a number of years, and I've just ignored creditors and not paid anything in over four years now. I've suffered from depression as a result of my debts, but like I said just ignored everything. I need…
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Which credit report company to use?
Which credit report company is best to use online? ive not gone bankrupt yet i had a free trial with experian years ago, so it will cost me £14.99/m now. cheers
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What Paperwork is needed?
Hi, I am now filling in our forms for bankruptcy. I am not sure what other paperwork is needed? How many bank statements, proof of insurance policy (cars, house insurance) or is the direct debit on bank statements enough?
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please help....bankruptcy questions
Hi, me and my hubby have decided to go for bankruptcy, we are currently in an IVA which is not working out. As I understand we go through bankruptcy as two seperate people (we don't have any debt in joint names). My husband has an income but I do not work, just get the usual benefits CT CB! Am i right in saying that they…
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Car Question
My situation is that I owe £9k to Lloyds TSB for a bank loan of which they have agreed a £1/month token payment, I owe just over £5k to them for credit cared debt of which they sneakily secured on my house by taking me to court but again they only get £1/month token payment and I also owe a finance company (they claim)…
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2003 Bankruptcy showing in credit checks?
I was made personally bankrupt in 2003 and discharged in 2005. When applying to rent a property 18 months ago I failed the credit check because of my bankruptcy. Myself and my other half are trying to get a mortgage at the moment and I was wondering if I will fall at this hurdle. Is there a set time frame that the…
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Improving credit file with catalogues
Im just looking for some advice as I have a bad credit rating. In 2008 somebody on this forum said, if you buy something from any of the JD Williams catalogs and pay it off in full when the statement comes in they will keep on putting 0's on your credit rating indefinitely without having to make another purchase. Is this…
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Cars
Could anyone help me with advice about cars please. I currently own a 06/06 Megane that is in poor if not dire condition. The parkers guide for this car with 60k on the clock is £1800. Mine has 75k on the clock, not been serviced for almost 3 years.Is overdue a cam belt change its running on borrowed time. So guess the…
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on line banking and br
Hi Just wondering why some banks remove on line banking to bankrupts when this actually helps to keep account in order. DH bank barclays has stopped his online function leaving him to go overdrawn for 2 days when an unexpected and forgotten charge was applied. He used to check bank everyday on line so this wouldnt have…
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few clean up questions!
ok, so now im discharged, ive started thinking about my 'clean up'. i somehow thought that as my accounts were marked defaulted that i didnt need to do anything else, but upon reading the sticky i see im wrong. i know i need to leave it i couple of months yet but have a few questions i am unsure about. 1- one account is…
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Newbie needing much need advice
Hi all. This is my first post on the site. I will try not to confuse you with what I write as much as possible! Basically me & my ex partner have a house together. I live in the house with our son. I was made redundant a few months ago and I have applied for as many jobs as poss, with a few interviews and no such luck. He…
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Tenancy deposit protection schemes
Hello I am looking at going BR what happens to my deposit will it be taken by the official receiver. I am looking at a DRO Thanks Lucy2012
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Campaigning: Home Insurance for Former Bankrupts
Hello all I have started a fresh thread on this topic to tell you what my campaign is about, where things stand right now, and how everyone can join in to right this wrong. The other long-running thread, at https://forums.moneysavingexpert.com/discussion/1854585 is still a vital resource and I welcome comments on it, but I…
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CF clean up questions
Hi Just going through the letters to send to creditors and have done most of them but just wanted to be sure on something. 1) As EGG credit cards are taken over by Barclays do I wriite to Clydesdale Finanacial Services? 2) I had Barclaycard which seems to have been bought by TTI SPC I will write to the DCA but do I need to…
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Bank account in sequestration
Can someone assist me with the issue of getting bank account during sequestration process. Firstly, do I need to get a new account as my current accoutn with HBOS has no lending facility, however, part of my sequestration does include a Halifax credit card. Secondly, If I do have to set up a new account, is there a…
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Repossession mortgage and secured loan
Can 2 different loan companies take possession of a house at the same time or will the court just grant possession to the one with the first charge? Thanks
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did it
well went to court today and was declared was all pretty painless and over in under 2hrs all in with the waiting .one question i have is how to deal with my car insurance now as i pay monthly through a broker so as this is a credit agreement i take it they will cancel it and in turn cancel my car insurance i am up to date…
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i'm discharged :-D
well im now discharged :-D cant believe how fast the last year has gone! still have 2 years of my ipa to run but even still we are far better off financially than we have ever been in recent years! we hardly get any post now too lol:rotfl: All my accounts have been marked as default/settled so things are ticking along…
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Bankrupt in 2010 negative equity in property
Hi anyone reading this – if there are any credit report/bankruptcy/ property/insolvency experts out there – please read this + if you have any advice, please share your knowledge! I declared myself bankrupt in 2010 after borrowing too much money when the banks were just throwing it at people. Entirely my own fault, and I…
