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Does bankruptcy include Court Judgment debt
Hi all Can anyone tell me if bankruptcy would include a Court Judgment debt please? D
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Moving on from credit building credit cards (Vanquis, Aqua etc)
Hi All My partner went bankrupt in March 2009 and has been completely discharged since 2010. To rebuild her credit record she already has the Aqua, Vanquis, Barclaycard credit builder credit cards and has had her credit limits raised on all. She also has catalogues for the same reason and has never missed a payment on the…
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Am I likely to hear from OR again?
It's 6 weeks since my OR interview and it's been quiet for a while. There were a couple of things they came back with - like asking me if I wanted to buy back my life insurance policy for £50. I asked them to return my previous 12 months bank statements for my records but they haven't done so. From what I have read on…
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payday express not updating credit file
Br nearly 4 years ago. Ed 9 month later. Did credit file clean up. Checked on noodle and surprised to see that payday express is still showing as not settled. I have written and emailed them but still not been changed. I know next step is Foc but wondered if anyone else had this with payday express?
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Intentionally Homeless - Help
I couldn't find anywhere better to post this, but if there is then please feel free to relocate this thread. Hi, A friend of mine has found himself in a very difficult situation which I am looking for advice on. Long story short, after being on benefits he found a full time job but failed to realise that the salary was…
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Junk mail ggggggrrrrrrrr
Hello, my BR was discharged in May this year. Since then almost daily , I revive letters saying I've been pre selected for either a vanquish card or some other type of credit . How does this happen , that I'm getting this mail, does any one know. I've simply opened the mail, shredded its contains and recycled it . Taking a…
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Forcing Evidence
Hi, I've recently received a Claim Form wheree BW Legal are claiming an old defaulted loan. I don't recall the loan, which may sound odd, but I had a business 8 years ago and had several personal loans all of which I believed I had payed off. Certainly no one's been chasing me and I've lived at my current address for four…
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OR phone interview
well had a brief phone call from a lady from OR office (dont know if she is actually the OR, she was very nice) and got our 'proper' phone calls booked for Wednesday morning. Guess we just need to have the forms in front of us to go through with a fine tooth comb. strange thing was she said she was from Croydon and we are…
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Struggling for a bank account
Hi I hope someone can help. I am really struggling to open a bank account up post BR. I have called into my local branch of barclays a few times now and nobody has been available to open an account. I called the co-op to double check if they accept undischarged and they do not. The only other option seems to be the Post…
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Bankrupt and struggling to pay mobile contract
Hi all, I was made bankrupt in March of this year. I am currently struggling to pay my mobile phone Vodafone contract of £37 a month. My contract runs out in august 2015. My bank advised me to contact Vodafone see if I could downgrade my package by extending the contact or returning the handset. I have contacted Vodafone…
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Called in for an interview
Hi, I got a letter from my OR requesting me to attend an interview, which would take 3 - 6 hours apparently. I am a little bit concerned about this as first of all I was under the understanding that in most cases they did it over the telephone and secondly that 3 to 6 hours is a very long time. I am not sure what takes…
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Nearly There!
Hi everyone, Well 55 days,9hours,25minutes to discharge & I am counting down every second. I never thought I would be in this position but I am & I will be stronger than before when I am discharged. Like many others I buried my head in the sand for years, living on credit as my wages wouldn't stretch to pay even the…
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Bankruptcy date on Wednesday
Hi all. After my Father died in 2010, my life went off the rails somewhat. I took up drinking and gambling heavily, moved from job to job, and buried my head in the sand about the debts I had accrued. Long story short, they total around £16,000 I'm slowly getting back on track. I now have a regular job, and with the help…
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CCJS after discharge
Hi all I went bankrupt on the 01/2010 and was later discharged in 08/2010. Prior to bankruptcy date there was a ccj made against me. This ccj was included in the bankruptcy and thus should show as satisfied/settled on the credit reference agencies files, but it is still showing as active. I have today spoken to the court,…
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Car is an asset
Today I had my face-to-face meeting with the Official Receiver and anything and everything was covered lasting all 3 hours of it. The OR went through each page of the SOA and appeared satisfied with my answers. The only drawback, and it was a bit of a blow for me, was my car.. he says it is an asset which will go towards…
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the deed is done
the deed is done. now just need to wait for the OR to get in contact breathing easier already now just going tohave a little nap to make up for not sleeping last night! Bella
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Pay day loan and late payments
Hi all, I'm looking for some advice. I took out a pay day loan through the Money Shop on 10th March this year. I was then sequestrated on 18th March. The pay day loan company were informed of this and I sent them a copy of my certificate of sequestration at their request. I have been checking my credit file and have…
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6 years + on...
Hi I have got married, my b/r is off my records as is the defaults etc that have gone with it. My name is changed and we have just applied for our first joint bank account, he has credit with with Cousins for our couch, furniture with Oakland which we are about to pay off with wedding money and a credit card with 2k so all…
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Sole Trader and Bankruptcy -
H All, I have previously posted on here about how a sole trader copes with bankruptcy but looking for others experiences of this... Do the majority of sole traders get to carry on trading under their original business name? Or is it the norm for the business to be wound up and cease completely? Reason I ask this is that my…
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Query
Ok so I'm due automatic discharge soon. I haven't had to pay an IPA but have had to make a one off payment from a bonus received. I am due another bonus 8 days before I'm due to be discharged as well as potentially receiving a pay rise too. So unfortunately it looks like I won't get to keep my bonus but if my pay rise…
