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Default dates
Hi all, coming up to my six years since going BR at end of April, did a post credit clean up years ago, my mortgage was included in in my BR, but when I looked at the default date for northern rock it shows a date of six months later than the BR. Question is will everything that was included in my BR drop off my credit…
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Wife Can't Get Credit - No Association
Morning ladies and chaps. I'm currently undischarged until October. My wife has recently applied for a car lease (personal lease/contract hire, not purchase). She went into referral and then decline. She's well within affordability margins, has never missed a payment on anything, has substantial equity in two houses and is…
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Warrant of Possession
I wonder if anyone can advise please? The mortgage company have instructed a solicitor who has applied to the court for a Warrant of Possession. My husband was effectively made redundant in January, is currently trying to find a job, and as a result we're 3 months behind on our mortgage. Is there anything we can do to…
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Discharged in March 2013 - chance of car loan?
Hi, Quick query. What are my chances of gaining a loan to buy a car? Would be looking to get a loan of around 8K. I am aprehensive of approaching a garage in case of being turned down for credit when trying to purchase. Anyone have any similar experiences?
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Advice on those company's who lend to annul BR
Hello I have recently been made BR and I spoke with the OR today. We have lots of equity in our property and the OR mentioned the Trustee is going to charge a lot of money in fees to sell the property. He mentioned a company (he said there are several) who assist by buying the BR debts to annul the BR and you then pay them…
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Does anyone here know how bankruptcy impacts on jobs within the Financial Sector?
Hello. My husband was in insurance sales, and was told that if bankrupt he wouldn't be able to do those types of jobs. Does anyone know anything about this please? He's currently looking for a job, but wondering if he has to rule those jobs out, given that's where the majority of where his experience lies? TIA.
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Selling things
Hello. Part of the terms of my bankruptcy is am not to sell anything (at least not until after discharge I assume?). Does that mean I can't even sell the baby's old trike, youngest girl's scooter, things like that? TIA
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bankruptcy and gambling
Hi, I recently posted on being made bankrupt by HMRC, which sadly is inevitable Much of my current predicament was caused by an addiction to gambling, for which I sought treatment 2 years ago-most of my debt is to HMRC, unpaid income tax and CGT, there are a couple of outstanding spread-betting debts which prob account for…
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Online form -where to put something
I've just completed the online form and I must say it's very easy. I've been to court and have got a person at risk of violence order, but there is nowhere to put this on the form? Also, there is no longer a big space to write reasons for bankruptcy, just a couple of tick boxes, so I can't even write a note in there! Any…
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Is there anywhere you can apply for a grant to help pay the mortgage?
Hello. My husband is desperately looking for a job, after years of self employment. We are behind on the mortgage and looks like we may be facing a possession order., unless he can get something very soon. Does anyone know if there is anywhere you can apply for a grant to help pay your mortgage, even as a one off please?…
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Joint mortgage with a discharged bankrupt(me)
Hi all, My partner and I want to look into getting a mortgage together but we have just one major issue, I am a few days past year 6 of my bankruptcy and am unsure how that would affect things. I currently have 2 (higher interest) credit cards that are paid every month without fail, I never miss a bill date, and my noddle…
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Car ownership
Hi, I am looking for some advice. I'm considering bankruptcy due to over 40k's worth of unsecured debts. I think I understand most of the process, however I am concerned my wife will lose her car. It was paid for using my Visa debit card but it is in her name and used by her daily. It was bought last Mid 2015 and I am…
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Barclays: Basic account to Regular account.
Hi all. I/We have been discharged from our BR for 2 year now (no payment order), and have had a Barclays basic account since. I was wondering if there's a period of waiting before becoming eligible for a Barclays regular account? No big deal if I have to wait the 6 years. This all come about when trying to set-up Apple…
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Pay rise and IPA
Hi All Im 6 months in to the BR now everything has settled down we have money in our pockets again and both my wife and I feel back in control of our lives again this was helped by all the great advice from contributers to this forum thank you! I have an IPA of £45 per month payable to Clarke Wilmott and I have just been…
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What next?
1 month down 11 to go!! Had interview with insolvency service lovely lady only on phone 11 minutes no IPA 😊 What's left to do now?
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Sold on debt - advice needed please
Hi, I have been on a debt management plan for a number of years. A relative has offered to help me and and try and clear a couple of my low debt. 2 of my debts are with credit card companies. The first is Barclaycard. I wrote to them asking for a settlement amount, and they responded saying I owe £1881.46. The original…
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BR advice please?
Hi i would appreciate some advice regarding BR? Due to 5 years of mental health problems, in and out of employment, I am now retraining at at university. Me and my partner have £29300 worth of debt. Which is currently managed with stepchange via a DMP and paying £73 a month I owe £21000 made up of loan, c cards and my…
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Getting a mortgage with a BRU
Hi All Was discharged from my Bankruptcy in Dec 2011 but through a silly mistake I made during the process a BRU was put in place until Sept 2017. Does this mean I have no chance whatsoever of getting a mortgage until then as currently my wife and 2 kids are renting until we reach this date. We are saving hard and with my…
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Bankruptcy board sticky and links
Main thread links: Ask a StepChange (formerly CCCS) counsellor a bankruptcy question BR Friendly Bank Accounts ~ [Updated Sep 2012 re: Co-op Cashminder withdrawal] This Board Is For Help Not Judgement Credit Reference File Clean Up Post Bankruptcy PPI Claims after bankruptcy Charities who help with BR Fees Reasons for your…
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help on hmrc bankruptcy please!
I am almost certainly to be declared bankrupt by HMRC imminently (I think), the file has been with debt management for some time and a field agent has visited my property at least once-I wasn't in- about 3 weeks ago I noticed an anomaly on my statement and they gave me until 11th April to rectify, which I have now done, so…
