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So confused please HELP
Hi all I need your help. I currently owe about £35,000 and currently have an IVA. Before that I was on a Debt Management plan but the company I was with was taken over by another company who reviewed my case and suggested an IVA. I dont own my own house and have no assets apart from my car that is on finance with a year…
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Payday Loans
Guys this is heads up. We are currently going bankrupt and are saving for the fees etc. The payday loan guys went to our account and took money out of the account. On purpose we left less than the amount which was required to pay them in the account but they came in and took smaller amounts out. This left us short for food…
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Using credit builder credit cards to improve credit file
Got Noddle improve to try & work on my credit file & see where I am at, and also see what the jump may be like(if any) when BR falls off in next months report- it's sitting between poor and very poor at the moment. my credit score has went down the past 3 months from August it's went 572, 551, 548 & this morning 533 which…
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Ohhh NOOOO
After I have had my lightbulb moment and took my head from up my bum/the gorund where ever it may b. CAB cant offer me an appointment until 7th December. Its a whole month away. I have asked if I can attend sooner if there are any cancellation. I have just hit the lowest I have felt in ages exposing my head from this sand…
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Please help, advised to post on this forum from utilities
Hi everybody, new here but desperate for some advice! Basically, just recieved a water bill for just under £400 for previous property, which I lived in with my ex husband from feb 2011 to oct 2011. He continued to live there, was main account holder even when I lived there. I gave him half towards all bill every month and…
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Newbie going BR on Friday
Hi guys & gals - I have been reading this forum for nearly a year, debating whether to follow all the advice I have been given by CCCS and CAB to go BR and have finally bitten the bullet and booked my court date for Friday 9th November. I guess I have been trying to do the honourable thing and pay off my debts - 46K in…
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Equifax nightmare
Hi, My bankruptcy was due to fall of my credit file on the 17th October, which is 6 years to the date from when i went bankrupt. however it is still showing on equifax, i emailed them and asked them to remove it, they have emailed back and said i need to send a copy of my discharge certificate before they will remove it! i…
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Im bankrupt!!!
I never thought Id be so pleased to say that I am bankrupt!!:j Really straight forward, dont know what I was worried about; OR next, hoping he/she will be as nice as the judge. Got a banging headache now though, must be my mind finally relaxed enough to allow me to feel pain. :) Thanks again everyone.
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Advice for a newbie..
Ok long story , I own a house currently on the market for £59k this is what I need to repay the debt on the house.. Estate agents have now said I wont even achieve top £40k's I have moved in with my partner he has his own house and pays for the bills etc, and we have 3 children together, I have been renting my house out…
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Experience credit file
Hi there, Wondered if anyone could clarify for me ...? I went BR in 2006, discharged in 2007. A Black Horse loan that was included in the BR is showing on my credit file as still in default. It is dated 3 months AFTER my discharge. Surely the date should have been from 2006 and therefore no longer on my credit file? Would…
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Barclays online banking error code 1172
Hi everyone, I opened a Barclays account post BR and it's been fine for the last month. Just went to log on to the online banking last night and I'm getting an error code 1172 and it won't let me in! I managed to dig up an old thread about this but it was some years ago (won't let me post a link). Has anyone got any recent…
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BR this morning!!!
By lunchtime today I will hopefully be BR just wanted to thank everyone for all there support and advice over the last few weeks before I go. Ill let you know how I get on. Thanks again.
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Letter from Creditor post Bankruptcy discharge?
Hi, I have had a letter from a past creditor. It looks like a badly put together, fake almost, statement. It has the correct account number and balance of what I owed at the time. To be honest, it looks like a home print job. I am tempted to ignore it totally, is this the right thing to do? The debt was part of my br, I…
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Renting after Discharge
Just wondering if anyone has experience of renting during the 6 years post bankruptcy period? We were already in a rented home when we went BR (Apr 2009) with no arrears or late payments with the rent or any of the utilities. We have lived here for 7 years now. We are very keen to move as we have totally outgrown the house…
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Getting a Business bank account
I went bankrupt a few years back both with a limited company and personally, and am discharged now. I have a couple of questions that I would be interested in the boards input on. 1. Yesterday whilst enquiring at a bank, Natwest, they mentioned that I wouldnt be able to get a regular bank account for as long as bankruptcy…
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Do I need to request all types of credit report to clear it up?
Can anyone tell me do I need to go through all the credit companies to clear them up or will one do the job? I'm looking at starting the clear up after AD on the 1st but I dont really know where to start!! Would ordering a report from experian be a good starting point?
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Am I discharged if my name is still on register?
My AD date was the 1st on November, however I am still on the IR and it doesnt say I am discharged.
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Bancruptcy yesterday:few questions please!!
Hi all,well my partner went BR yesterday,today he received a phone call from the OR office,he went through quite a few questions with him,i think because he didn'yt have his soa infront of him.It was about 15 minutes long,would this of been the OR himself,my partner seems to think that it was or would it of been the OR…
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Credit Report Help
Hi All, I'm not very good at this stuff so be gentle. I thought I had cleaned up my credit report properly but now not so sure. Basically was made bankrupt in Mid November 2006, was discharged 3 years later(Scotland) all my creditors had been notified to show as settled or satisfied and I thought everything was ok; even…
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loan or bankrupt
I need help i want a loan but cant get one because i have such a bad credit history, shall i go bankrupt :( . Please help i am in such a bad situation
