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Credit file cleanup ...to get (another) mortgage
Hi all :) I went bankrupt 20 aug 2009, and was discharged 20 aug 2010. I already have 1 mortgage (that I had before bankruptcy). I'm hoping to get another one soon, and I've been reading some threads that say that all previous creditors in your credit file should say settled by now- and the settled date being date of…
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Some assistance please.
Evening all, I was made bankrupt back in Jan 2008, discharged in Jan 2009 and finished payments in Jan 2012. I now need to get a credit card for expenses for my work and am wondering which would be best. I'm fortunate and have a good monthly income but have a suspicion that will pale into insignificance compared to my…
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sheriff officers (scotland/england)
Can someone tell me if Scottish sheriff officers who are chasing council tax debt, can they visit you if your living in england ( but the property in question is in scotland)? do they travel to england? or do they send english sheriff officers instead? or do they do nothing as its a different country? or does it not make a…
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Help with IVA Fail
My Ex stopped paying our joint iva without my knowledge its failed I ve had a letter from the iva company confirming that the case back in August.I have called a couple of times and they have said they a dealing with it and a certificate would be sent shortly ..... this has been on going since April .... I cant sleep or…
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Considering bankruptcy, where do i turn?
Dear All I think this is my 3rd or 4th thread since joining the site. All have been asking for help and advice on my debts and my situation isnt improving. I am therefore considering bankruptcy. However there are a number of things concerning me about such a step: 1.) I am on a joint mortgage with my ex husband. The house…
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Credit file clean up (WEBB RESOLUTIONS)
Hi all Having a little trouble with my credit file clean up with regards to webb resolutions. I have sent them a copy off the letter from the clean up sticky and also a copy of my bankruptcy cirt and my discharge cert, left it a couple of months then reaplied for my credit reports and it still shws default and the lone…
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ipa suspended
Hi just wanted yet some more advice from you guys who have been so helpful before.My OH and I went BR in Feb and have an ipa,he pays £150 and mine is £39 but both from joint account.We recently lost our tax credits so informed moon beever and we also claimed for a number of things that we didn't realise we could include…
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Bankruptcy and salary sacrifice
Hi all I'm new to this site, I'm declaring myself bankrupt in December I work full time as a nurse in the nhs the trust I work at has recently started a salary sacrifice benefit to get a car. I'm worried that the OR may question this benefit. I need a car as I work until 11pm at night work weekends and on calls so I need a…
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when should I start bankruptcy? after a foreclosure of the property??
Hi everyone, I have given my background on here before and thank those who took the time out to offer a bit of advice. Unfortunately im no further with my situation i think its purely down to the mix of advice i have been getting everywhere from solicitors to citizens advice to ifa etc. Quick background - Property owned…
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Over payments of tax credits
I went bankrupt last week, and am due to have a telephone interview with the OR tomorrow. I have completed the income/expenditure form, which shows the current level of tax credits we receive, along with earned income, HB etc. However the figure for the tax credits is wrong as my income has risen since last year. I rang…
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Holidays when BR
Hi everyone It'll be 4 weeks this week since I went BR, gone quickly! Couple of hiccups but doing ok. Sending all my bumpf off to the OR this week. Bit annoyed as someone had tampered with my letter from the OR that came through as in slit it open!! Also can you believe, a week after going BR, I get a letter through the…
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Help please
I divorced a year ago and my x went bankrupt on her debts and the joint ones. I know that I'm responsible for the joint and my own. I have just got a full time job and want to go bankrupt too, I'm living with my mum and its not good, I need my own place, I will have excess income so I will have to pay towards the debt. How…
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Hi
Hi Long time reader of this section of the site. My turn to go BR very soon. - hopefully its my Christmas present Gonna have lots to ask and lots to get worried about - please bear with me should i start with a SOA so you can have a look? Thanks
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Help please
My friend has no equity in her property, and has 40,000 unsecured debt. She has spoken to Cccs and they mentioned br. Sygma bank are trying to get a charging order for 2500.00 court date 20th dec. will they force her to sell? Also if she went br would she loose her home anyway? If she went br would this wipe this charging…
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OR Interview - question re tenancy
Good morning everyone. I have my OR interview on Wednesday and I am slightly concerned over the wording in my tenancy agreement and wondered if someone could please advise. When we made the decision to go ahead with BR we struggled to find somewhere to rent as not only were we about to go BR, we also have 3 children and 2…
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Barclaycard and M&S Money
Good Morning Currently dealing with my credit file and doing a clean up. Out of my 8 creditors Barclaycard and M&S Money are the most difficult to deal with and have not dealt with my request to update my files. Do any of you helpful folk have an email address that would direct my request further up the chain from customer…
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Exempt from court fees?
Please can somebody talk me through the process if you are exempt from court fees? Do you complete the exemption forms and take them to court and they agree there and then you dont have to pay so you only hand over £500? DH has zero income and mine is very low I think I looked at a table before and we were below the…
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8 months in - summoned to O.R. Interview in person
Hi.. I'm about 8 months into my bankruptcy (declared mid march 2012) - I had a long telephone interview with an O.R. shortly after that, perhaps april, which lasted hours and was quite forensic, and he implied that he would be writing a report etc.. This was with an O.R. office in Blackpool, I live in the north east, so it…
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Freezing bank accounts
Assistance on this matter no longer needed. Thanks :)
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after bankruptcy?
My partner went bankrupt in 2009 and was discharged a year later. She looked at her credit report the other month and all the debts she had are still showing on there as defaults each month. Is this correct or should they show as settled now that she has been discharged? I have tried to find the answer searching online for…
