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Impact on employment
Hi, I was declared bankrupt in August 2008 and discharged a year later. Last year the bankruptcy and everything associated with it dropped off my credit file. When I was made bankrupt back in 2008 I worked for a bank, obviously I told them what was happening and there was no issues and I continued working there until 2013.…
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Help! re cleaning credit file post BR
Hi My apologies if I have posted in wrong thread and for long post. I became bankrupt on 25th July 2013 and discharged July 2014. IPA is also finished. So have made a start cleaning up my credit file.. Am I right in thinking that 1. all debts which were unsecured and included in BR should have been marked as default no…
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TSB Madness - CPD or no CPD???
I've got an account with TSB (Classic Plus) from before Bankruptcy. OR wrote to them saying he didn't care if I used it or not. I'm now essentially using it as a savings account (5% on balances up to 2k). It looks like I've got a CPD - all loans come back at 29.9%, upgrade option says to call, no additional current account…
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BR Questions before SOA
Hi, I'm hoping someone could answer a few questions before I post my SOA for bankruptcy. Basically, I have a lot of debt from a previous relationship that I have been struggling with for years. Decided its time to try to sort it given I will be in my 70s before it all gets paid back. Anyway, just need a few things…
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Bankruptcy income payment agreement
Hi all, Could really do with some advice. Recently I went bankrupt, I was on a debt management plan for 2 years prior which I was paying £550 each month for but it just become too much for me and I was constantly struggling get to end of the month without any money and constantly borrow off my family etc. I made the…
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Council Tax question
Hi After a year in a (I believe mis sold ) IVA I took the decision to go bankrupt and I've got to be honest it was the best decision I've ever made. However the local council seem to be having difficulty accepting things and keep sending letters demanding council tax. The 1st was addressed to me which I sent back with an…
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Trustee appointed writing to us 2 weeks 3 years after bankruptcy date
Hello My husband was made bankrupt on 16 July 2013 At the time he was not earning much and after out income and expenditure we were left with a deficit so he was put in a nt ipa We filled out another income and expenditure after the end of the tax year of his bankruptcy As there was not really any change in circumstances…
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Beneficial Interest Question - Making an Offer to the OR
Hi all, My situation is this: Our house has been valued and the OR has decided that there is £9k of beneficial interest. It is now up to us to make an offer to purchase the interest or have a charging order placed on the property for that amount. My question is - we can raise from family and friends a total of £3500. Does…
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Working abroad
Hi I was BR in 2013, discharged 2014, no IPA. I may have some work coming up with a company abroad which would mean I'd be living & working overseas for a few months. Will my BR (& credit rating) 'follow' me abroad? What I'm thinking is if I wanted a local bank account would they check my UK credit record? Anyone know how…
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Credit card eligibility / clean up
I've just done the credit card eligibility checker on here and my highest chance is 10%, which is pretty galling considering my money management has been brilliant since I became bankrupt in Sept nearly 2 years ago, despite an IPA. I've read that others have had success in applying so not sure what I'm doing wrong. Looking…
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OR taking of Pensions from 1996 Bankruptcies
I wrote on here a few months ago refering to the OR appointing a company who I originally thought was phishing due to their poorly worded letter to recover two small pensions that were part of my Bankruptcy in 1996. The Company acting for the OR have now finally taken the two relatively small pension pots and to my…
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Home Insurance - Bankruptcy
My husband was recently declared bankrupt. I just had my home insurance renewal paperwork and spotted on it that one of the questions was "has any one In your house been declared bankrupt". Phoned Tesco insurance and didn't think it would be a problem as I pay my insurance yearly in a lump sum but was told they wouldn't be…
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Business debt?
I owe a supplier (I'm a sole trader) roughly 9k on an old business debt having paid roughly 2k in multiple payments of £100 in the last 12 months. I was given until the end of August 16 from last August to clear this in its entirety or the threat of proposed bankruptcy is very real. It's unlikely I will get 9k together in…
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Newish car?
Hi all, My vehicle is starting to come to the end of its life and I have 2 weeks left of being BR. I do a lot of travelling and subsequently it's taken it toll on my vehicle. My father has stopped driving and has offered me his Volvo estate with an estimated value of around £3500. Where do I stand with this if my vehicle…
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Submitted 2 weeks ago
I submitted my BR application two weeks ago and am showing on the bankruptcy register. I have had a phone call from a lady asking a few questions about my situation, she said she would email me and send further info to me in the post. I haven't had any further contact from anyone by phone or letter. I am still getting…
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On the home run...but Pension lump sum offered and on IPA
Hi, I was discharged from BR in 2015 and am still on an IPA until mid 2017. I have been contacted by one of my pension providers to say that the scheme is winding up and am being offered a lump sum payout (not huge but after sooo long without any spare money, would be so useful...) I don't have much pension in place and…
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Changing mortgage deal post bankruptcy (joint mortgage)
I hope someone can give me some advice! I was made bankrupt in 2014 as a result of debts from a business partnership I had left in 2010. I was discharged just over a year ago. My husband paid my beneficial interest in the house (ie half of the equity) so we got to keep the house, and he kept on paying the mortgage. The…
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Car insurance - no electoral roll trace.....
Hi all Long story but if I move house I need a car to get to work. I've got quotes for cars I'd like using my current address. I've got a pretty bad claim record (2 at fault accidents, 1 proven not at fault, 1 malicious damage (drunken idiot hit car overnight)). When I put in my current address I get quotes of anywhere…
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2 weeks left of Bankruptcy
I've got 2 weeks left of my BR and i'm getting excited about coming out the other side debt free and with an attitude to never going back into the viscous circle of borrowing money i do not have. When i first declared i do not think I've ever been so anxious but after speaking with the OR and with the help of you guys it…
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IPA and wages - full time job - part time job
Hi Guys, Advice appreciated
