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Debt letter - need to know who it's from
Hi. A few months ago I had a rent a room lodger who turned out to be a real shyster leaving abruptly owing me rent etc. A letter arrived today for her from "SC.returns, po. box. 561, bristol. BS34 9EU. And part of the letter is showing through the window as. 'creditor number xxxxx'. Does anyone know who it is? Reason I ask…
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Barclaycard
So out if all my creditors Barclaycard are bloody useless. It's been a month to date I went bankrupt. Originally my debt with Barclaycard was with Mercers debt agency (part of Barclaycard) my debt is now passed to Calder debt collector (part of Barclaycard) I get a call today at 8:59pm with them saying they can trace my…
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paying council house rent arrears
Hello, I am hoping to file for bankruptcy before February and will probably have lots of questions. I am very pleased to find such a supportive forum. :) My first question is about the rent arrears on my council property. I have been paying back these arrears (£25 a month) as per the agreement with the council. I have…
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Consoliation help
I have debts of around 12000 credit cards loan and store cards and I am looking to make the monthly repayments more manageable and in one place as they are staggered and causing me no end of trouble. I have just gone thru a marriage breakup and have had to make some payments so am starting to fall behind. My bank wont help…
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LILA Bankruptcy and HMRC tax credits overpayment!
I completed the paper work to for LILA Bankruptcy yesterday, with a CAB advisor my debts total £13,000 and My partners £5,000 He is doing the DAS scheme. One of the debts in my name is a tax credits overpayment from 06 and 07 totalling £4,500 but I was advised that this may not be written off at all still leaving me with…
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Ex showing on credit files - remove?
I have been trying to sort my credit files and keep them up to date - I went BR about 3 and a half years ago. My ex applied for a mortgage in both our names in 2006 - I didn't know about it and didn't sign anything (and nothing came of it, I don't even know what the result was!). As i had gone BR I thought I would just…
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Do I spill the beans to letting agent
Hi guys, We've just found out from our letting agent that our landlady has agreed to extend our tenancy agreement for 6 months (not the 12 I was hoping for). Our AD is in a couple of weeks and I was panicking that if she wants to terminate the agreement (due in January) we'd be stuffed trying to find anywhere to rent so…
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Final equity offer to OR
OH's equity is 11k, over the past 10 or so weeks he has been negotiating with his OR to buy it back. His first offer was 8K that was refused, anyway his last offer was 8,750k, that has been again refused and OR has now asked for 9,500k. I know that as a couple we have no more money in our account now to make another decent…
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Bankruptcy with no missed payemnts
Hi all, I have few questions, and I hope you can help me. Briefly about myself, I took two loans to fund my studies, and then end up taking more credit cards, and overdrafts to fund my living expenses. I have been paying these for long time, some of the credit cards they go as far as 1998, missed the odd payment here or…
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callcredit
after being discharged in june i thought id clean up my crf in july and it would be a straightforward process...how wrong was I! after looking at all 3 crf reports i decided just to use noddle to keep tabs on how my creditors were updating my files as its free, then when it showed all of them as satisfied id get my reports…
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Bank account - sorry another question
Hi me again - when I took my IVA out just over a year ago I made sure I changed my bank account from the bank I owed too and opened a Barclays basic account. Now I have decided BR is the right decision for me would the OR let me keep this account or Barclays or could they close it. Basically do I need to open another one…
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bankruptcy and credit
i went bankrupt in august 2009 and got early discharge in march 2010,since then the only credit i have applied for was a card for people with bad credit about 6 months ago, i lost my house ,and on application form i put down previous address ,which opened a pandoras box of phone calls and letters from creditors all…
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Help needed
Can I claim back mis sold ppi if I am currently paying off a iva ?
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Attempting bankruptcy
I am heavily in debt, unable to work due to depression and bi-polar and have been struggling for the last year to get on top of things. Its not working. I have decided to file for bankruptcy. Now I am wading my way through the bankruptcy board but I thought if I posted some questions, I could delete them as I find out the…
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Help with Bankruptcy and IPA
Hi There, Quick Background - I have recently defaulted on my IVA after 2 years payments. The IVA was for £30,000 of debt. I started a business which has failed miserably and left me with £15,000 rent arrears, £65,000 remaining on the full term of the lease, £6000 Business rates arrears and £1600 to suppliers. I have no…
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Bankruptcy & foreign bank accounts
Hi My (unmarried) partner of six year's property in the UK is being repossessed and sold because he has a diagnosed long-term back condition preventing him from working and generating any income to cover his mortgage payments. Recently his benefits were stopped on the basis of his age (as the Benefits people thought such a…
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Bank, Credit Card & Debt Management Charges Led to Bancruptcy
Hi everyone, I am a newbie on the forum as I am only now emotionally strong enough to talk about my bankruptcy.... nearly 4 years since being discharged! I only wish that I had discovered it when I was struggling with my mounting debts 6/7 years ago... I was going through all my old files and realised that the bank…
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Basic bank accounts...
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BR wonderings (delaying the event & scrapped car snag ?)
Hello people, for many years I have struggled with debt problems, a mix of bad decisions, sub-prime borrowing, personal circumstances and robbing Peter to pay Paul have got me to the position I am in today, some £44k in debt with no real hope of paying the creditors. Up to 2008 I worked & earned well, in early 2008 my…
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Advice on how to build up credit score after bankruptcy
Hi all, my brother went bankrupt 4 years ago. He now has a job and is handling his money well, but is looking to build up his credit score again. He has managed to get a high interest credit card with a low credit limit, and a catalogue with a low credit limit also. What is the best way for him to increase the credit limit…
