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Post Bankruptcy Clean up
Hi Everyone, A little advice would be appreciated :) I have sent a letter to a creditor requesting they correct the information with all of the credit reference agencies. I had no response after 6 weeks so filed a complaint with the ICO. The ICO has come back to me and has pointed out that there is no account with the…
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form EX160
just trying to fill out these forms, courts said we can take them in friday with bank statements etc to see if we can get part of the fees remission. some of the questions a bit hard to understand though :( but the form so short I guess we can just do a new one at the court office if we get it wrong. not like the 'actual'…
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Going bankrupt
How do I go about starting the bankruptcy :mad:
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Informed about IPA
I went BR in early feb and have heard nothing since about an IPA. Have read a few people saying that they were told they wouldn't be getting one is this always the case? .... I think I'm quite borderline as I receive the majority of my income via housing benefit, child benefit and working and child tax credits but do earn…
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Ipoq
Hi all , I have just received an IPOQ a few weeks before AD. I have mentioned before that I received odd bonus payments on my salary which can change my wage month to month. However I have now asked this to be stopped by work and have been moved to work on a new project where I wont be paid any bonus ( I have done this…
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Contacting Moon Beever
Hi guys, I have 2 queries regarding Moon Beever. 1. I've not heard from them to say that another company is taking over collection if my ipa. 2. I've only got 4 payments left, will they contact me to let me know I've finished paying of do I just stop? Would it be best to email them for answers to my queries? If so dies…
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Court Tomorrow, Last minute panic questions
First I have a question regarding filling out form 6.28 It has a blank box to fill out at top of page No._________ of 20______ No idea what is supposed to go in there as the guidance notes say nothing about it. Then below it says Re____________________ Does my full name go in there?????? Second question, do I take one copy…
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Strange OR interview today
Well, I had my interview. It was odd. The person told me I had under-estimated some expenses, then said it cost too much to get public transport to work. They then said 'you haven't allowed for a holiday fund'. We talked about my recent RTA and bus accident ( I was a passenger in a bus that plowed into a wall 4 days after…
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Had first OR call today
Hi all Well after my BR yesterday the OR rang this morning just as an initial call to go through some details. He just asked some basic questions about the reasons for my BR, who my main creditor is and my bank details. He was really good and gave some advice around what to do if creditors contact me etc (just give his…
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on your marks......
right. we are happily moved into rented, re-possession process begun, going to courts this friday to get EX160 forms checked then the following friday (4th July, independance day!) to actuallly file for bankruptcy. working through the forms and in touch with Stepchange so it is all systems go. Forms are a bloody nightmare…
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Paying collection fee for my van when bankrupt???
Hi everyone. I made myself bankrupt on Monday and so far everything has gone really well. I had a letter this morning from a recovery business asking for collection of my vehicle (it's on finance) I am ok with that. They say though that i must pay them £50 when they collect it and any damage to the vehicle must be paid…
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Moonbeaver
Hi all Have just come out the other side of our 36 months IPA, have never heard from Moonbeaver that Clarke Wilmott are now dealing with the matter..... should I be worried, should I contact Moonbeaver (I don't really want to remind them of us, tbh), I just want the whole saga to be done and dusted. By the way, I did hear…
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Bankruptcy Period
Can I ask people what actually happens after they go to court and are appointed an OR .. what happens for that 12 months you are bankrupt? Do you have to give the OR a weekly update of what you have spent? Its all very new to me and I have no idea what to expect ???? Thank you x
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All done and dusted!!
Hi all Well, I'm bankrupt. It really hasn't sunk in yet but today does feel - different. My appointment was at 9:30am so we arrived about 9:15 just as they were opening up. I was dealt with really quickly by the BR clerk (less than 10 minutes). She was very impressed with my forms and said everything was in order. She then…
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Self inflicted underpayments IPA
Hello all. As the title suggests, I've been guilty of taking a "something is better than nothing" attitude towards my IPA payments for some time now (as well as missing a couple earlier on before I got the payment reduced) so I'm not looking for any sympathy with this, just a bit of advice. I emailed Moon Beever to find…
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Bro/bru
Hi All, quick question. I've received a letter from the OR telling me they are going to apply for a BRO for 5 years or i could have a BRU for 4 year. I went BR in March 2014. So would the BRO/BRU start after i have finished the BR or start straight away. Also when would this drop off any credit files? Regards Ezzauk
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How soon does IPA start?
Hi I went bankrupt last week and have my telephone interview this coming Tuesday with he OR to go through my SOA. Could anyone tell me from their experience how soon the first payment is due? Will it be this month? If not, will it be back dated ? Thanks in advance for any advice! All the best 100 things
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Circumstances changing-new S.O.A
Evening folks. I went BR in August of last year, The plan was, get the year out of the way and move in with my partner. However, a few weeks ago, we discovered she's pregnant, so as of the 18th of this month, i've gave up the flat i was renting and moved into her house. My question is, what kind of percentage of the bills…
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student thinking of going bankrupt....
hello, im a 32 year old student nurse and Im in a bit of a sticky spot and need some advice? two and a half years ago i was in debt due to losing my job and having debt from a house, i wanted to get myself out of the debt and looked at a iva or going bankrupt. I decided on a iva with payplan due to wanting a chance to pay…
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FAO Fermi
Hi Fermi, Just thought I would let you know that the "Credit Reference File Clean Up Post Bankruptcy" is out of date. This is the new page for reporting complaints about creditors: http://ico.org.uk/concerns/handling/report_your_concern Thanks.