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Speculative SOA - any comments please?
I'm not sure if I've even filled this in correctly, but I am shortly facing bankruptcy and wondered if anyone could comment on my likely SOA? I haven't actually moved into this property yet with my partner, it will be a Victorian 2 bed terrace so the costs are estimated. Also, I'm not sure exactly what my partners income…
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Last IPA payment..........but then what?
Hi All, This December is the last of a 36 month IPA (Income Payments Agreement) payment order to MoonBeaver. But what happens then? Do I get a letter saying that the payments are complete, or does the event just passes on by? Many thanks. :beer:
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Grrrr Capital One
At the time of BR I had a debit balance of £28 on a Capital One card (I had always paid this card off in full each month previously) I thought about paying it after BR when the bill was due but thought, I'd lost the card anyway and had given it to the OR and technically it was a debt and I mustn't favour one creditor over…
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New SOA could someone have a look
Hi I am going to have to submit a new SOA as I am moving on the 1st December. At the mo I have an IPA of £40p/m. I have had to estimate the bills at present so may change once I have moved and know how much am spending, but would like an opinion on what I am going to submit. Also would they accept me sending it in before I…
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bankruptcy or not
Hi all my situation is loads of debt approx £75k and approx £100k negative equity in the house. i have a review hearing due 3rd december by the 2nd mortgage company who we have 50k arrears with - we are fine with the 1st mortgage - we currently pay £200 (previous hearing) to the 2nd mortgage company - now they want full…
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Credit file clean up question - Cahoot/Santander
Hello all I have been cleaning up my credit file, as I am approaching 6 years discharged. Lloyds TSB corrected their mistakes very quickly, however, I have two defaulted accounts with Cahoot - a Cahoot Current Account, and a Cahoot Flexible Loan - still showing as defaulted, and with incorrect default/discharge dates. Try…
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Coop Cashminder Upgrade - 6 years from BR or 6 years from date of discharge?
Hiya, I went BR in Nov 2007 and was discharged May 2008. When I went BR I opened a Cashminder account with Coop who I am very happy with. I have been cleaning up my credit files, have a c/card from vanquis which I have been running responsibly for a year now (always pay in full). I was a little bit worried about the recent…
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money worries
Hi everyone i hope iv posted in the right section im currently worried on a daily basis i was reposessed in may 2010 and not heard a thing since i estimate the shortfall to be around 60000 pounds also have 3000 pounds of payday loans will be upto date in april with my council tax my water rates are up to date but gas and…
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setting up business after discharge
Hi all, now my AD has become effective on the 1st november I am starting to think about getting my life back on track. Where do I stand with going self employed or getting a job now? My property was repossessed and I dont know if all that has been sold and put to bed yet, does it make any difference?
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Credit clean up question
Hello everyone, Its been a while since ive been here so forgive me if this is a common question, I am still, a year after bankruptcy trying to get my credit file cleaned up - most have been very efficient but Vanquis and Quickquid are still showing on my account as defaults - I have written to them twice now and was about…
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No word from OR yet, advice please?
I went BR 7th November, the OR office called the same day to go over a few things which took about 15 mins, he said the OR would contact me to arrange an interview if they required further info but ive not heard a thing, surely I should have heard by now? I thought everyone had an OR interview regardless of how straight…
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Iva question
Can you put personnel guarantees (from a business) in a IVA. Thanks
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Any advice please?
Hello ladies and gents, I am new here but have been lurking for months. I really need some advice please...I am one half of a two man partnership. We have no written agreement and just 'fell' into the business several years ago as almost a hobby thing. We had hardly any business 'nouse' at all, but built things up to £600k…
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No response from Experian
I have just ordered my credit files, in my challenge to clean up my credit file! On Experian it states I have a financial link with my ex, which I never had in the first place! Neither equifax or noddle have this on it. I have contacted Experian regarding this as I have had no contact with my ex since February of 2006, but…
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My SOA please can you have a look
Hi this is my SOA - advice needed please. I was paying an extra 99 towards my IVA but have stopped now as I just cant survive, also I have stopped paying my mobile and I have cancelled my Sky Household Information[/b] Number of adults in household........... 1 Number of children in household......... 1 Number of cars…
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Court Repossession
Finally got a court date of 11th December for Repossession, I intend to write to the court to say please reposses ASAP as the property is vacant. I believe they will still grant a 28 days for the NRAM to take the place over, can I request this to be sooner, need this doing ASAP as now paying double council tax (6 months…
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inheritance in bankruptcy
When would OR want any inheritance monies prior to discharge? When the money is in bankrupts account or is claimed as soon as the death is announced just curious that's all.
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Bankruptcy help .. what to expect
OK guys.. i've gone and got myself in a right pickle. I was self employed for 5 years, and got myself in a mess, which i can't see a way out of .... I am now fully employed and have been for 2 years, and still trying to find a way out. Basically i have debts of around 25K owed to HMRC, and other CCJ's from when i was…
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Silly question about time of AD
So mine and hubby's year is almost up. Nov 28th. :T My silly question is, are we AD at midnight on 28th November; so 23.59 on 27th we are still BR but minute later at 00.00 on 28th Nov we're not or, is it 23.59 on 28th we are still BR but midnight on the 29th we're not? Need to know which night to stay up so I can keep…
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Need help with unpaid debts.
I lost my job and my home 5 years ago, I did not know what to do and ended up moving and leaving it in the past. I have now got to a situation where my life is starting to look a little brighter. I don't know my current financial status. I am ever so worried on how I go forward, I don't know where to start. I would of…
