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Ppi claim 6 years since being dischsrged ??
Help please ??? My husband was dischsrged from bankcupty in 2003 . He took out a loan in 2008 and its clear he can claim ppi from this loan . Is he 'free' to do so , seeing as this loan was taken out 5 years after been served his discharge papers ?? Thanks for help in advance
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updating income/expenditure changes to O.R.
hey, another little panic that came about partly just from my crap affairs and conduct, but also after I was told by the examiner on my second interview that near the end of the bankruptcy, the O.R. will tend to send out a 'questionnaire' asking about changes in income and things. first of all, like anybody, I just don't…
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Council tax
Thank you for all the help and advice you've all provided so far! Unfortunately I have another question. It appears that my ex has not been paying the council tax on the property we still own together. Am I correct in thinking that any arrears while he was resident in the property and I was not he is liable for, but any…
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Federal Management & Daniels Silverman
Anyone had any experience of Federal Management or Daniels Silverman?
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It's tonight!
OMG OMG OMG! Midnight tonight hubby and I are officially AD! So can't wait!:T Am staying up late specially so I can check the register at midnight!
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Repo looming, question about disconnecting utilities
Feels like I've been posting here for ages... My AD is coming up very soon and by coincidence, the property is being repossessed the same week. The court order has been made and we're in the process of moving out. I understand it's best to get the water and electric (we have no gas) physically cut off to avoid any future…
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Premium Bonds after discharge?
Hi guys, I was automatically discharged in July this year, I was just wondering whether I can start getting premium bonds? And if I win on them do I have to inform the or that I've won any money? I'm currently 13 months in to a 36 month ipa if that makes any difference. Thanks.
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Harassment after Bankruptcy Discharge
Hi I have just been discharged from Bankruptcy. When the discharge date became close I started getting phone calls from a company on behalf of British Gas called Past Due Credit. I wondered if anybody has had any dealings with these debt collectors? British Gas knew I had been made bankrupt a year ago so I believe Past Due…
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Bankruptcy questions please!
Hi, This is my 1st post here! We are currently in an iva but want to go bankrupt ( for various reasons! We have taken advice and feel that it is want we want to do) We are just confused about a few things and hopefully somebody here may be able to help us. 1) we rent out a flat that we have a mortgage on. We were told by…
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House Owner
I own my small house outright. Not worth much - maybe about £65000 now. I have debts of around £13000 on a loan and on credit cards. We only have a total monthly income of £433.33 for my wage and £356 working tax credit. My partner is self employed but with the recession is earning nothing. (Hi debts are £20,000+ but they…
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Public/Product liability insurance
Hi all, Can anyone recommend a discharged bankrupt friendly insurer to get public/product liability? I've worked hard for three months to get my business off the ground only to be stumbling at the last hurdle in which I'd like to protect myself against the possibility of being sued! I'm struggling to find an insurer who…
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Equifax needs to get it's act together
How long does it take Equifax to answer a question with their online form. It's been almost a month now, I chased them last week. Quick to acknowledge my banking details though! There is no acknowledgement of your query either. It's a really difficult webpage to find and now it's decided to disable my account. Very useful.…
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Second O.R. Interview (face to face)
Hey, I'd posted over the past fortnight having received a letter from the Insolvency Service informing me I was to attend, in person, an interview with an examiner for the Official Receivers in Stockton-upon-Tees. The mention of needing further explanation / clarification of my affairs leading up to my bankruptcy, the talk…
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bankruptcy and being a student
I everyone need advice on bankruptcy asap. I had my own business for many years which went under, in result I wracked up a load of personal debts. I lost my house also, which they sold and I owe the mortgage company a balance of 59k. My other debts total about 6k. I now live in a rented house, I have 3 children and a wife…
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IPA Cancelled!
Hi all, I had confirm that my IPA has been cancelled. I was told to pay an amount per month as well as my tax. I sent in details of some increased bill and got confirmation to say the IPA has ended. Brilliant news! I still have to pay Moonbeaver my tax. Am I right in thinking that I only have to do that until April? Am I…
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Credit file clean up secured loan!
Anyone have any Experiance of cleaning up secured loan and mortgage accounts post br and house sale? Can I just send the std letter I used for all my other accounts? Or is there another version for secured accounts?
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cleansing advise please
so i`m currently trying to cleanse my file, was discharged in 2010 but only just realised that i`ve still got 3 things on my file being updated as having a balance even though they were included in my br. the problem with these is that it was all so long ago i don`t have the account or reference numbers for these accounts…
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cc dispute (help)
Hi I am new here so not sure if I am in the right place?!* I need some advice please. I was declared bankrupt some years ago and discharged over7 years ago now. I have just obtained a credit report and found a cc from 2010 (this was from an ex land lord who didnt keep up housing repairs so I moved out and refused to pay…
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How long until letters phone call stop!!
Hi all.Just wondering how long it usually takes for letter/phone calls to stop.We are not getting as many phone calls but still receiving statments etc from credit cards saying we owe so much etc.. thanks in advance.
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BT YouView while bankrupt
Does anyone know, or had any experience with joining BT while bankrupt? Do they credit check? Would like to switch phone, broadband TV provider to get a better deal as all my offers with Sky are about to expire!
