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Have I had the wrong advice with IVA
I stated to struggle with bills and went to debt free direct, I had taken out a loan a few months previous and was told by DFD that I could not go into an IVA for a year. I paid a management programme for the first year and am now in my third year of an IVA. I have since been told that I could have gone straight into an…
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BR in Feb and heard nothing from OR...
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Home insurance when bankrupt and have criminal record
Hello this is my first post, I hope someone can help with my question. My sibling and partner have moved back in with my parents because they are about to go bankrupt. Understandably I am very worried about how this will affect my mum and dads home insurance, amongst many, many other things! After reading previous posts I…
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Debt advisor consultation help??
Just read something on another thread that concerns me "you cannot go bankrupt without having had a consultation with a debt advisor" Bankruptcy has been recomended to me by CCS and I have discussed this with them in detail prior to making the decision to go bankrupt (my hearing is Wednesday) Is this sufficient, I could…
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Handing Keys back
Been advised to hand my keys back, it went to court via the secured loan company, order of possesion granted, but now they don't want it either! So if send the keys back, I know not to sign the Voluntary Surrender, am thinking of doing a letter unsigned saying here are the keys and note there is no insurance and also…
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Post Bankruptcy new pension
Hi all, I went BR in 2009, discharged the following year. I'm now still within my 6 years of 'parole'. A new job has offered a new pension. I'd like to get it, but not if it somehow flags up my status or in fact gets declined... is this possible or am I concerned over nothing?? I don't know if pensions go through a credit…
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Google searches
A while ago there was a discussion about whether our London Gazette entries should come up on Google and someone said that the LG used to be able to block their entries from coming up on Google and an email address was given to contact them about this. I emailed them about it and got no reply so I resent the email this…
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Ask a StepChange (formerly CCCS) counsellor a bankruptcy question
StepChange Debt Charity (formerly CCCS) has several counsellors answering questions in our forum. There are three ways to contact them: 1 - To ask them a question please post it below and Allen, Linsi, Kirsty, Rachael, Joe or Patience will post a reply here. 2 - If you would prefer to ask a question in private you can send…
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Vanquis card application declined
Devastated. Applied for the Vanquis card and have been refused. Apart from the fact that will now be on my report for 6 years im also devastated as i have stuck with it and completed my credit file clean up and its all ok. Since going bankrupt and being discharged we have money to spare and bills are paid on time etc. and…
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Updating Credit file - with payment arrangements
Anyone know - my friend has 2 deliquent accounts on his credit file - where he has an agreed payment arrangement. However despite him paying every month on time (post arrangement) - the agreed amount they are still showing on his credit file as default, month after month. The interest is stopped on the accounts. 1) Is this…
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The deal with reposession, council tax, utilities etc
I'll be getting my AD in about a month and by coincidence my property will be reposessed at about the same time. The court hearing is this week and I've already told them by letter that we'll be in a position to vacate within a month of that. My question is about the situation with council tax and utilities. The general…
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£40k in debt - Do I Go Bankrupt?
Hi all, I really hope someone can point me in the right direction regarding my mounting debt crisis. I have a couple of loans and credit cards, and the total amount repayable is now at the £40k mark. I am in full-time permanent employment but my net salary is a lot lower than it used to be, and every month that passes now…
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Cashed endowment policy
Hello, I hope somebody may to able to advise me...:) I am sadly in a business partnership that is really struggling. We have very little turnover (£2-300 per week) and total joint debts (Inc business rates, personal tax and VAT) of some £58k. I have personally drawn less than £500 from our business account in wages since…
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examiner
Hi It isnt much but thought it may help someone.I emailed my examiner to thank her for the kindness and understanding she had shown me. I got a reply the next morning sayiong,Thank you for your kind words. not much but proves they arent horrible :)
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Help with defaults on credit report
Hi, I was discharged from BR over 3 years ago so i'm currently trying to clean up my credit report before I get married. There are 3 accounts still listed as debts, one being a mortgage. I wrote letters out to all creditors asking them to mark my accounts as settled/satisfied when I was discharged but these appear to have…
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Banckruptcy tomorrow any advise please!!
Hi all,my partner is to file for bankruptcy tomorrow and just wondering if anyone has any advise at all,thanks in advance.x
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OR interview tomorrow (argh) couple of questions
Hello So I am sorting everything out and hopefully have all the information I need ready for my OR interview tomorrow including a mahoosive cup of tea! But I have a couple of questions... My partner and I split the household bills 50:50 but he earns a lot more than I do. Will the OR ask what his salary is and try and get…
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Discharged bankrupt - applying for jobs in financial sector
Hi everyone - new here. Just goes to show that bankruptcy always stays with you:( I took voluntary personal bankruptcy in the 90's. Discharged 3 years later. I am not currently working in the financial sector (although I do have some cash handling roles in my current job and was honest with my current employers and they…
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Debt Relief Order
Please can somebody tell me.... for a DRO you have to have a disposable income of less than £50pm. Is there a guide that explains how this is calculated when you consider things like Clothing, Entertainment, etc, etc........... Also, is it based on the current tax years income or the income for the previous year...........
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Bankruptcy / IVA and pregnancy...
Hi there! I'm completly new to this, so forgive me if I waffle, but my husband and I seem to be in an impossible situation and I wondered if anyone could share their views. We've been in a DMP for the last 3 years and managed to pay off 22k, leaving us with approx 80k debt to pay off. We estimate its going to take us…
