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barclays debt
Hi. Looking for some help. I completed all forms for my bankruptcy ( Scotland ) on 18th of this month. Set up payments to pay 200 per month starting next month. Got new barclays cash card account and wages went in today. Have barclaycard debt and they have went into my new account and took out 300 today. Can they do this?…
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Debt collectors at my door!!!!
Hi people, I need some advice plz... I've had the same *debt collector banging at my door for months now, and i've just ignored him, but i'm getting stressed and tired of the harassment but he's now put a WARRANT saying a VAN VISIT BEING ARRANGED this is a step up from the previous threats. I owe that particular firm a…
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dealing with creditor contact (and lack of) whilst bankrupt
Hi peeps Sorry if this has been posted before but I haven't been able to find the answers. My mobile phone contracts were included in my bankruptcy but I keep getting letters from Vodafone saying that they want the outstanding balance paid. Obviously every time I receive a letter the amount is higher. If I listed this in…
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IPA Question for the OR
I have submitted an IPOQ about a month ago. The form I asked what figure my partner contributed to household expenses. The OR came back saying that in the absence of actual income, they would assume that they pay 50% of the shared expenses. Firstly the form never asked what she earnt it was the amount she contributed. She…
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bankruptcy questions
Morning guys, hoping some of you wonderful people can answer my question on bankruptcy. im looking at going bankrupt after being left with a lot of debt by my husband. I have the support of a grant from a benevolant fund so im lucky that it will be funded.Ive been reading up on it bit cant find the answer to this. For what…
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credit score wrong equifax and experian
Hi all can anyone help with a problem. Both me and my partner were made bankrupt in December 2008. I am wanting to move my mortgage but not get any credit. I have just looked at our experian and equifax reports and it it showing a lot of things still on there some defaulting in December 2010. So the question is if I get…
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Vehicle Leasing for Ex Bankrupt
In May this year I will have been released from Bankruptcy for 2 years and I now have an Experian credit score of 926. Going Bankrupt was the best thing I did and allowed me and my wife to start again and we now run a successful catering company. I was wondering what our chances were for being accepted for a vehicle lease…
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Private Renting
Could anyone tell us please going to walk away from our property interst only anyhow,before going Bankrupt, but am having problems with finding rental accomadation,as people ,estate agents etc landlords are asking where we are living at present ,is it mortgaged, why are we leaving,and yes we have a couple of CCJ,s only…
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car in bankruptcy
hi guys more advice please, I was allowed to keep my car in the bankruptcy its a 1999 car so old. today the exhaust decided to fall off on me, so need to get a cost on it however the tax is due saturday and mot next month, dont know if it would pass or not, so depending on how much the exhaust costs is weather or not we…
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Mortgage 7 years from discharge
Hi, In my youth I made a huge mistake with my accounts and was made bankrupt a few years later after I tried hard to pay it all back. I now saved up 15% for a deposit and have been looking at houses. I am however very down after seeing a mortgage adviser @ Santander. He told me that for the last year or so all the high…
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worried sick
Hi this is my first time on the site feeling nervous. me and my husband are in the first stages off brankrupcy, just in the prosses of filling out forms ect. i am very worried about them freezing are bank accounts we only have our wages paid in and need to live on them. we have no other assests and have walked away from…
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bankruptcy and home advice
Hi not sure this is posted in the correct place - I am on the verge of bankruptcy . I understand that they will be looking at equity in my home , which is mortgaged and in both me and my wifes names. My mother in law has lived with us for about 10 years, in an annexe to our main property ,that she funded herself from the…
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Getting a Mortgage after Bankruptcy?
My self and my husband went bankrupt in 2009 this October it will be 6 years and have been told that we would be able to apply for a mortgage. Does anyone know who the best lender maybe to try with our history and how much deposit we may need.????? Just want to get back on the property ladder :D
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nt IPA questions
Hi all, I am due to be discharged in may and have an nt IPA. Am I right in thinking that this only runs until the end of the financial year? Therefore my last payment will be April 1st? Will it needs to provide proof that the tax is being taken, i.each wage slip, or do I just cancel the standing order for Clarke Wilmot?…
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IPA finishes this year....
do I get any letter or notification confirming it has come to an end? I am currently on NIL payments....
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Unforeseen expenses when BR
Hello, I have one year left of my IPA, since it started my car needed repairing, I spent over £600 and the mechanics couldn't get to the bottom of the issue so I swapped my car for an older one that worked. A year later my 'new' car needs expensive repairs and I've been advised to scrap it. I am now buying a car tomorrow…
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Negligent builder gone bust!
Let me explain my scenario. I am looking at bankruptcy from the other side... About 4 years ago, I had an extension built to my house by a builder who operated as a sole trader. Subsequent to the completion of the build, I started to have issues with water ingress which he fixed. Further down the line I had the same issue…
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Update
so just to update my mum bought caravan back for us :j another slight dilema though! ....... Insurance on it, we pay this monthy through and its paid through premium credit its due for renewal in june just looked and it states this Can anyone make use of the monthly payment plan facility? Credit is subject to status. To be…
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Discharged for 10 years - want to rent house
I’d like some advice please. My partner and I are looking to move away and rent a house. I’m more than aware that Bankruptcy can affect the chances of getting a Landlord to take us on. I went Bankrupt in 2004 and was discharged in 2005. It is no longer on my Credit File as I have checked. I’m aware that if I’m asked, I…
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Equity in House 6 years Post BR
Might sound silly but I'm worrying, for clarity, can the OR touch the equity in our house 6 years on? When we went BR we were in negative equity and so purchased the interest for £1 each, anyway time has moved in and as well as mortgage payments making a difference, house prices have gone up to the tune we now have £60k…
