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Claiming back prepaid mortgage insurance
Hi can anyone advise. I remortgaged my house back in 2002 through a mortgage broker I was sold PPI upfront and paid £1500 which was added to my mortgage I sold that property in 2004. I forgot about this until I found the paper work recently. My question is can i get back those premiums? I contacted the company and i am…
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Bankruptcy with a mortgaged house?
Hi Just after some quick advice for a work colleague. He has a house with an estimated £150k worth of equity but with around 32k of debt may consider bankruptcy Just so I can be of some help to him before he registers on here later what advice can you guys offer for to him in his position? I guess he really wants to know…
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BR, negative equity and letter from mortgage company NOT to sign
I have read on other threads that with negative equity, whereby this is picked up as a debt within the "bankruptcy estate" (which I made clear on my BR paperwork and in my interview with the OR) whatever you do is don't sign any letter from the mortgage company that may follow on. Think it's a "Deed of Acknowledgment"…
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Charging Order, Bankruptcy and a Satisfied Debt.
Hi all, I'll try and be brief. I took out a Hire Purchase agreement for a very expensive car in 2008, almost £60,000. Unfortunately my circumstances changed dramatically in a very short space of time after that, and I declared bankruptcy December 2009. The finance company managed to get a CCJ hearing literally the day…
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Car Finance
Afternoon All Has anyone ever applied for car finance 6 years after bankruptcy? Some may be thinking why would I want to get credit after spending the last 6 years with a bankruptcy on my file. But why should I spend the rest of my life not being able to get credit again, for something I did over 6 years ago? Now im not…
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Buying husbands equity anyone done/how long?
Hi. It's been a while since I've been on here and my husband went bankrupt December 2012 but is not being discharged until 3 years from November 2013 (apparently owing huge amounts to HMRC and on VAT affects your discharge date). I have recently been left a inheritance which will enable me to put in an offer to buy out his…
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Ppi & bankruptcy
Hi I did a ppi claim with a claims company won 1300, said company charges me 480 to do it, so I was getting about £800 back but the loan company took it to cover my bankruptcy even tho I'd been a year or so into it I thought been discharged, I was paying a ipa which I'm sure they would have claimed on too. Just wanting…
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Lied to get credit
I am worrying myself sick as I have lied about my employment status and income in order to obtain credit. Is this likely to get found out. I Said I work and earn 23K pa. I Don't work and am on Disability benefits.I have had cancer, I have urge incontinence and other health problems including depression and fibromyalgia. so…
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Virgin Media See Reason (In The End)
I have been Ad since January. All through my BR I was allowed to keep my VM broadband/phone/TV. I have been on PAYG with Tesco Mobile since, but whilst browsing the web looking at sim ony deals, I noticed VM had a sim for £15/month which gives you unlimited minutes/text and 2GB of data. Ideal. I thought. I applied on-line…
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discharged notification
Hi All Just a quick one. When you are discharged from bankruptcy do your creditors get notified automatically? Just that ive just had one say they didn't received notification that I was discharged, yet its is for all to see on a credit check. And also most of my other creditors were notified. Any thoughts?
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Impending homelessness, because of bankcrupcy
We're soon to receive a section 21 evicting us from our rented accommodation. We've had a lot of difficulty in trying to get a new place to live as our credit reference gets us knocked back, plus we do not have a guarantor and the agencies that have been helpful have wanted six month rent upfront (one wanted three years).…
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Finally Discharged!!!
After what felt like a lifetime - I'm finally discharged... Just wanted to say thanks to all on here - you were a massive support!
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Advice on Bankruptcy
Hi I've gone through the sticky on this subject, but the links are no longer valid as pointed out and I hoped someone may advise please. I'm self employed with hardly and income. I receive working tax credits and child tax credits. I have debts which due to no fault, but my own have spiralled out of control and I'm…
