-
5 years after bankruptcy
I', about 5 years after BR and I've looked at my credit files for the first time and two of my HSBC accounts haven't been settled/satisfied. What do I need to do about this? Apologies if I'm not following protocol here I'm a new poster and quite unsure what to do.
-
co op bank account
so we've had our co op basic accounts since last year. my salary, my husbands student loans and all DDs and SOs come out of them. what are the chances co op will let us keep them. are they likely to be frozen tomorrow? if yes for how long? weve not left a lot in them but i don't want them to be frozen when my next pay is…
-
what do i need to take?
well guys this is it, tomorrow is D day (or B day?) just to be absolutely clear, we only need to take three copies each of forms 6.27 and 6.28 and the cash. no bank statements, wage slips etc, evidence of ID like a passport or anything? Thanks Bella
-
Credit File Post Bankruptcy
I was made bankrupt in June 2008. Discharged 12 months later. Bankruptcy just left my credit file. On my credit file there are 2 buy to let properties. These were included in my bankruptcy. Mortgage trust the lender involved appointed an LPA receiver. The receiver is still renting these properties out. They are still…
-
Bankruptcy petition leaving me with 6000 to pay back!!!!???
Can anyone advise me with a loan that i initially took out with everyday loan of an amount of 1200. A few months after taking this out i became quite ill with d!pression. I lost my job, myself and my want to live. In effect i ignored many of my resposibilities one of these being my payments To bills and debts. I was on job…
-
Overtime
Hi: I am an hourly paid worker and have for some time just done the normal 39 hour week, but now I have the chance to do overtime as the company has a backlog of orders to get through. Can anybody advise on how does the Official Receiver see this ??..does he take all the extra earned, take a percentage or does he leave it…
-
Finshed IVA and owed PPI ?
Hi everyone. I'll try to keep it brief. Our IVA finished 2 years ago almost and we received our certificate about a year ago. EIC were instructed by our IVA company to claim back PPI on our behalf - not something we wanted to do but apparently is compulsory (?). Anyway. Last week I got a letter from Lloyds Bank after a few…
-
Bank account restrictions and letting to buy.
I went bankrupt at the beginning of February and nearing half way through my bankruptcy year, I have a few questions. My official bankruptcy letter stated that, providing I keep my account below £1000, the OR had no problem with my bank keeping my account open (LILA). I’m only making £800 a month at the moment doing my…
-
Bankruptcy & Royalties
Hello, I was fully discharged from a Bankruptcy in 2007, however the IP is still in receipt of royalties - generated from music / book written years previously. Now, other than an initial list of my creditors I have never received a statement from the IP and I am thinking I must be close to a zero balance by now, so I want…
-
quick question about SOA and OR/car costs
Hi, the OR told me that due to my accident and asociated travel costs I will not have an IPA. I rang yesterday and explained that I may have the loan of a car for a short time (subject to insurance and MOT and medical clearance) whilst my friend is away. They said no problem as it is temporary and not my asset - my…
-
starting a new business after bankruptcy
i have started a new business 3.5 years after going bankrupt. i am struggling to find a company to cover me for public liability and employers liability insurance. i have been told it is due to the fact that i have been bankrupt in the past. can anyone tell me if this is the case and also if there are companies out there…
-
Clean up query
Hi I was made BR in May 2010 and discharged a year later, i no longer make payments to Moonbeaver and on the road to recovery being more better off than i have in years. A bit late but I've started to look at cleaning my file and have a question (I'm reading all the existing notes but and still confused!) Equifax - As i…
-
Can anyone help ...
So heres a long story... i hope someone can give me some words of wisdom. My husband is being pursued by HMRC for discrepancies over a very large VAT bill ( VAT due on the sale of a property in 2010, which he believes he only owed a portion of VAT on , while HMRC agree with him one moment and disagree the next )…
-
RTLU Office changed on Insolvency Register
Hi all. Just looked at the Insolvency Register & I have noticed that my RTLU office has changed from RTLU Newcastle to RTLU Manchester. Has anyone else experienced this or know why this has happened? I'm 12 weeks off AD if that has anything to do with it?
-
Cashplus CreditBuilder help
Hi all need some help and advice I applied for a Cashplus account with Total access I paid the £4.95 fee and got my card today and activated it It says on their website login to your, my account area and click the CreditBuildet option on the left but this option is not there. The main and only reason i applied for this…
-
Being made bankrupt vs making yourself bankrupt?
As subject line really, is there a difference in the procedure? I'm a sole trader and being threatened with bankruptcy by a creditor. I was thinking of doing this myself though have been desperately trying to avoid it by paying bits off here and there to keep head above water. I think I've come to the end of the road with…
-
Going Bankrupt to lose my house
I am not sure if this is the right place so apologies if I am posting in the wrong forum. My affairs: I am in the Navy, when I bought our house my plan was to live in with my wife and 3 children, I got posted to Scotland and so moved into Service quarters. I was able to get a tenant in, however after 5 years of letting,…
-
Defaults dropping off after bankruptcy
Hi All Right here goes. Looked at my credit file on Noodle (for free) And one of the debts that was included on my bankruptcy is showing a first default date of the 7th October 2008. I was declared bankrupt on the 5th May 2009. Now what I want to know is will this default automatically fall off my credit file on the 5th…
-
Ebay business seller
LBM last week! Tremendous advice and support on this forum to get the ball rolling. Thank you all. Received excellent advice from CAB + Business Debtline this week. All questions answered and all clear enough re BR and consequences on everything except for ebay. Going around in circles to get answers and hopefully someone…
-
SOA help
hello guys hope someone can help me Ive read on here that your outgoings should be a fairly good match for income. otherwise if your income is too low they will not let you go BR as it will not solve your problems, and if too high you will get an IPO/A well it is possible to tweak money for food, clothes, sundries,…
