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Credit search for ISA
Hi Do banks and building societies do a credit search when opening an ISA if you don't have an account with them already? I'm a discharged B/R and so want to protect my credit history. I've tried googling and searching through the forum but can't find an answer. Many thanks E
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I thought it was all over
Sorry if I start to ramble. Seven years ago I got great advice from mse. So here goes....I declared myself bankrupt in 2007, all went smoothly so I thought :-( up until now I have not heard a thing as I have since moved to roi and the insolvency crew in leeds were given my roi address. When my parents visited at the…
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Life after an IVA
Hi, Has anyone here had an IVA and completed it. If so does life go on. Im seriously thinking about an IVA as a way of helping me move on from the debt that has kept me treading water for 5 or more years.
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How long?
Hi there, I am new to the forum. I have had a look and can't see the answer to this question anywhere, although I am certain it will have been asked before so I apologise in advance. Can anyone tell me how long the bankruptcy will stay on my credit files for? I was declared bankrupt in June 2009. I have looked on google…
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Help - problem with NRAM post bankruptcy
Hi, I finally got things sorted and went bankrupt last week. The main reason for me doing so was negative equity on a property in England that I have owned from when I lived there. I was also struggling with an unsecured loan. I am now living in Northern Ireland. I decided to give NRAM a call today to inform them of my…
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Settlement Offer for a mortgage shortfall
Posted on behalf of a friend. To cut a long story short, property was repossessed, shortfall of approx £70k (ouch). Property was in her sole name only. Her family could raise £20k and a settlement offer was put forward to Shoosmiths solicitors. Received communication that offer has been accepted but just want to check if…
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All over
Well, the 6 yrs were up on the 2nd July, I have to say that we had no trouble from anyone...:j Got accept for a overly expensive Credit Card but pay balance of once a month. So all in all it was smooth sailing. I would like to thank all of you on here that help no just me but all others on here, I didn't post much but I…
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Trying to clean up credit report - Nat West being a pain!
Hello! I'm trying to sort out and clean up my credit file. I am trying to find a contact email or address for Nat West for an old current account. I've tried searching on line but no further. Does anyone have the email address or postal address for them so i can send them the details? Thanks!!
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Owing money to friends and family.
Hi I'm only new to the site and think I have previously posted this incorrectly. All replies appreciated I have taken advice and have been told that Bankruptcy is my best option The only thing that is holding me back is the favouritism to creditors issue. I have consistently borrowed money from friends and family to help…
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what about house
!what about house Me and my ex partner are going bankrupt soon and she is adament she is going to try and keep the house that she and our daughter live in. The house is in negative equity so have been told their is a good chance however I am curious how my bankruptcy will affect it as the bank would not remove my name from…
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Mobile SIM only Contracts Whilst BR
Hi, I was wondering if anybody had any luck with the Mobile month by month SIM only contracts. You can get a much better deal than PAYG plus I can build up confidence with a provider so that I can get a decent phone once I am in a position to be able to afford it.
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Natwest Basic Account
I have a Natwest Basic account, I went BR on 26th June. I owe no money to RBS/Natwest so both the OR and Natwest were happy for me to keep my account open. Just thought I'd let you guys know as it has Internet banking facilities.
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A query of detail - self employed / tax set aside within BR year
This message will not be relevant to many on here, but if anyone who is self-employed and been through / going through bankruptcy and can advise on this, I would be grateful: In a nutshell it's about a piece of work I did in an intensive 6-7week burst prior to BR but with the majority of the payment coming in post-BR. I…
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Industrial Action 10th July
Hi I was made bankrupt on 5th June this year and have recently heard from my OR that my IPA will be £134 - better than I had hoped at least. My major worry now is that I work for local government, and being a member of the trade union we have been balloted and the decision was that Industrial Action is to take place on…
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strange OR letter ?
i got a letter stating that the OR is apllying to the secretary of state and buisness, to be released as my trustee , it says at end of letter this wont affect my discharge date , i dont know what this all means , is it good or bad?
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Dad wants to go bankrupt.
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Tax Credit Debt under bankruptcy, they are chasing me for the money again
Morning all, I'm discharged now but during my BR there was a question regarding an overpayment of tax credits. I had some fab advice (as ever) from Fermi & others. I had to argue it with the OR but eventually I got an apology & a confirmation that a tax credit debt falls under the BR & does not have to be repaid. I have…
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KAC journal and questions.
Hi all, New to the boards but not new to the being broke and in need of sorting my debts once and for all. Wanted to do a thread not just as a place to ask questions but also a journal of sorts for my own reference. I'm mid thirties earning £20k per year with debts of £50k+. 1 child I pay maintenance for plus 2 step…
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Bankruptcy
Hi All Made bankrupt but IVA company charges include secretary of state fees if I want to annull, does anybody know what this charge is for, as company not forthcoming and totals £6000 just for that fee
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AD and default reports?
Should all accounts involved in BR and after AD be reported as defaults? I was of the opinion they should be shown as satisfied or part satisfied or settled not as defaulted very month after the AD. Am I wrong?
