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Family home no legal say
Hi all, Hoping someone may be able to help, partner went BR few weeks ago, had call from OR last week & was told house would be looked at in 2 years 3 months as negative (just) equity. The OR asked if partner was the only person living in home, this is not the case. I have lived in home for 7 years & have 5 year old…
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metro bank , good news
there a new bank opening up called metro bank , so i looked online , and they do all sorts of accounts including a cash card account , so i contacted them to see if i could have an account as you also get internet banking , woo . anyway they got back and said yes they do accept bankrupts as there will be no credit check ,…
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Dilemma
Hi there, this isn't a dilemma as yet but i'm thinking ahead a little. I'm booked and almost ready for my BR on 23rd June, paperwork done, fee coming together and SOA almost there. Last night out of the blue a friend texts me asking if i'm still looking for a new job (I haven't been for a few months). Her friends company…
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When does the 6 years start?
Hi, its been a long time since I have posted and need to ask a silly question. My bankruptcy was July 2007 and I was discharged 6mths later. I have had no credit at all since then, but run 2 current accounts (the basic sorts) and am on the electrol roll. I just want to check that the bankruptcy will have dropped off my…
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Bankruptcy advice
Hello, My partner and her ex husband have been divorced for a year now. They are almost financially separated too. His name has been taken off the mortgage. The only thing that remains in both of their names is a bank account with Barclays, which is overdrawn by £1000. The account isn't used, and as part of the divorce…
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Bank Cards
Hi: Can anyone advise please that when you presented your application for bankruptcy to the court, were your bank cards or credit cards taken from you immediately on the day as soon as the judge granted you the order or was notification given to you as to when ?
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Bankruptcy & Self Employment?
Hi I've just joined the site after reading a lot of useful and supportive information but there's one question I can't find any direction on. I am on DLA, a single parent and self employed. I am in debt and finally at breaking point where I don't feel I am getting anywhere. I now feel like I'm just 'existing' in life on…
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IVA after Bankruptcy ??
Hi all Just a quickie, I am helping someone out can anyone tell me if you can have an IVA bankruptcy (not yet discharged) ?? I thought it was a given that Bankruptcy trumped all :) Ta folks
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Discharged BR in April - Company Chasing?
this morning i've received a bit of a dubious-looking letter from a company calling themselves "Claim 14 Insolvency Department" (although the small print at the bottom says they're called, "Action Associates Limited" - the last word there ringing an alarm bell). In short, they are saying that I might be able to reclaim…
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AD! Free!!
I just wanted to pop on here, as others have done, and say a HUGE thank you for all the information and work and support that goes into this forum section. My year is done and Im now AD. I haven't posted on here much, but I have read and read and read. It's been on heck of a ride and one that would have been much more…
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It appears to be a Myth
Ok so its 6yrs 4mths since I went BR I've recently cleared up all my credit files with the 3 CRA My Experian credit score is 979/999 excellent (increased from 959 a month ago) My Equifax report is clear My CallCredit rating is 4/5 (increased from 2/5 a month ago) Yet On using the Experian credit match service for credit…
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Bankruptcy Questions
I am currently in the process of completing forms 6.27 and 6.28 ready to file for bankruptcy having confirmed with the CAB that I have no other choice in my current circumstances. I have three issues and I hope someone here can help... 1. Two years ago I "bought" my Dad's then house for £1 to allow him to move into…
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Question...
Apologies if this sounds a bit thick but... I was discharged from my bankruptcy in May 2011. I've just checked my credit file and some of the accounts are showing as settled and some of them are showing as defaults (default dates are before my bankruptcy date). Is this ok? And will the accounts still come off after 6 years…
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Ipa/ipo
So, how is it really fair if an IPA/IPO is made that it lasts for 3 years rather than just the year of BR? But where no IPA/IPO is made those people can start again after 1 year? Because all my income is from benefits they couldn't take anything from that, but instead chose to take the full amount of child maintenance as…
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Please advise on my bankruptcy
If someone could take the time to give me some advice I would be very greatful. A couple of days ago I attended court and filled bankruptcy. I had nearlt 50000 pounds of debt. I have a couple of major problems 1. being heart failure 2. a borderline personality disorder with constant voices which I was only given medication…
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BR & Council Tax
Dear all, Hoping for some advice please. Since going BR, I'm being chased for outstanding council tax arrears- which were included in my petition. Told them I was BR and directed them to my OR. They refuse to contact OR, and are demanding all kinds of paperwork & copy of petition. I asked them again to contact OR- should I…
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life insurance
i was bankrupt 2009 and discharged 2010 my wife did a debt relief order in 2009 which was discharged in 2010,unfortunately she is now terminally ill with cancer,we are going to claim on life insurance to enjoy her last few months,will the official receiver claim the debt money back from this life insurance payment. The…
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Bankruptcy Question
Hi there, My daughter is thinking of declaring herself bankrupt after her partner has left her in a financial mess. She has just started on income support and has an 8 month old baby to look after. The question I need answering is, the baby has an account with £100 in it given to her after she was born by grandparents.…
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Ltd company and BR
Hi all, I've posted on the employment board but think it might be better here. Went BR in Aug 2010, no IPA and AD the following year. I'm now looking at starting a LTD company but I'm really worried about trying to open a business bank account. I have been rebuilding my credit file and have a full current account with…
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Finally free
:j:j:j my day has finally arrived! I can't believe it was a year today I walked trembling into my local county court and declared myself bankrupt. A year seemed like an eternity at the time but my goodness it has flown by! I have no IPA so now is my opportunity to turn my life around, when you have hit rock bottom, the…
