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Change in circumstances question?
What is considered a change in circumstances worthy of reporting? I had a wage rise of 3%, I work 8-10 hours a week so isn't worth a lot (around £150 a year) and of course some of the benefits I receive will be affected by this rise too... In other news My OR is applying to be released as my trustee.
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Bye Bye Motor Car
so two weeks in, had telephone OR interviews and the good news is I only have a 'tax' IPA and OH hasn't got one at all. Still worried about the ex (whose actually in prison at the moment) if they start investigating the 'other' house but guess the die is cast now. Not so great news is I can keep my car (fibro, unsocial…
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Advice needed
Hi guys I have done the stepchange remedy tool they recommend iva but I don't want to lose my home is the home loss inevitable
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Halfway through and confused!
Hey everyone, So since being declared bankrupt, I have moved home. I am unsure what to do now I am coming up to the 6 month mark. I should say, I am on a LILA which is meant to last around 12 months. I know that I am meant to have things assessed and I'm unsure if I am meant to contact them or if they contact me. City…
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It's Over
[FONT="]Well I really can't believe how fast the weeks are ticking by, today is the day I have made my last IPA payment that 3 years has certainly gone fast. Another 3 and it will be off my file completely.[/FONT] [FONT="] [/FONT] [FONT="]I'd like to thank everyone for the advice from the outset and a big thank…
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CCJ on credit file
Hi, I've just checked my credit file as I went bankrupt in 2009 and discharged in 2010 and there are still items on there as defaults so I think I can get those c eee aned up but I also have 2 CCJs on there from before the bankruptcy - can I get these removed as well somehow ? Thanks
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Car Insurance renewal..
Well - bit of a turn up for the books...Used a popular comparison website and even with the monthly payment option selected I was not asked anywhere if I had "ever been bankrupt" ...and then - there was no quote offered cheaper than my renewal quote!! well there's a first! I double checked everything was included that was…
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selling my house
I am just wondering if it is possible to sell my house when Bankrupt? I am only 4 months in to Bankruptcy and I jointly own my house with a family member. They are aware of the situation. The OR has an interest in my half of the property and I am aware it will be valued in about 2 years. It is currently in negative equity.…
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OR and shares
This might be a bit unusual but I'm asking to see if any advice So went BR April 2013 n at this point we had a share save account at my husband work of £10 a month it was a 5 year plan for our son who finishes school this year, anyway we were just under 4 years into it when we went BR n the OR claimed this (totally…
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Do Housing !!! do credit checks?
I have applied and been accepted onto a waiting list with Chevin Housing, they have sent me a declaration to sign for them to apply to my landlord for a reference and to the courts if need to check anything. I was br August 2012 and discharged a year later, same landlord for 6 years. I thought about sending bank statements…
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40K Shortfall
Hi everyone. I have a shortfall of 38k. It is a shared shortfall - the other person has vanished. I have agreed a payment to pay 5 GBP a month with the debt agency acting on behalf of the lender. I filled in a budget sheet before they settled for the 5 GBP. Now after six months I need to fill in the same budget sheet.…
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Insolvency Service pages - Technical manual etc - unavailable
Many pages such as the technical manual are unavailable today. See: https://www.gov.uk/government/news/insolvency-service-cobalt-data-centre-migration Presumably these and others will be back on the 28th.
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question form NTB1 Insolvency loan or finance agreements
hi all On form NTB1 that Official Reciever has sent its asking for me to provide any loan or finance agreements held. Does this mean my Creditors (debts) that i put on the bankruptcy petition or does it mean something else? Thanks in advance.
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Credit file nightmare
Hello, I really need some advice, so I'll try to give as much info as possible. Six years ago I struggled to pay off 2 creditors, a HSBC loan of £3000 (which was 8k when it started) and a Halifax overdraft of £3600. So, in 2009 got a debt relief order DRO for both. However, I've recently checked my credit file and the…
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Barclays online/mobile banking post discharge
Hello! Got my discharge coming up in seven weeks and starting to think about how - if at all - my life will change after discharge. One of things I've missed the most since BR has been mobile and online banking. So, for those of you who are already discharged, what did you have to do to get online and mobile reinstated?…
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Bankruptcy & IPA
I went bankrupt at the end of May and the only correspondance i have had with the OR is regarding the IPA for my income tax. This has been handed over to the solicitor and i have completed all their paperwork and they have confirmed receipt and want my payslips for the rest of the tax year along with the Tax IPA. My…
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Barclays and Lack of Competition
Hi there, As some of you may have read, I have struggled to open an account with Barclays recently and eventually managed to yesterday, but I found it very difficult to get an appointment to see somebody to do so. As we are all aware, as undischarged bankrupts, barclays is the only standard bank account being offered to…
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Benefits backpay and DRO
Hiya I have recently been legally made my mothers carer. After months of my mother unknowing to me battling to secure me some carers allowance it's been awarded and back paid. I have a DRO and have informed them of the back payment but during the last 9months my mother have been fully supporting me finically. I am a 20year…
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Deductable items to reduce IVA payments
My partner and I have been in an IVA agreement for 5 months now but are finding the payments hard to meet. We can just about manage 4 week pay periods but 5 weekers are impossible (by several hundred pounds.) I've tried talking to them to explain that we estimated and undershot expenditure when we were fast tracked…
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Falling apart at the seems over mortgage
There's a chance by August next year we will have £35000 deposit (20%) for the house we currently rent. The Landlord wants to put it on the market if we can not commit to buy by then but wants us to tell him now if we are in a position to buy (for next year). By May next year I will of been discharged from BR for 4 years…
