Bankruptcy & living with it

Archives for June 2021

Got behind after declaring BR
Hi, Cut a long story short, I've got behind with my bills (council tax) after declaring BR and have yet to set up an IPA. I have my interview on the 30th June to go over my income and expenses. Because I've got behind my monthly repayments will be slightly higher eg. Council tax, water etc, . Will the OR allow that? I have…
Existing Credit Card during Bankruptcy.
HiI am halfway (6 months ) of a bankruptcy. The Argos Card I had with £750 balance has been closed but the £500 Amazon card remains open. Obviously I have not used the Credit at all and the balance has remained £0 since I declared myself BR, but If I was to use it, will this be classed as BR offence? Thank You
Tax credits
Hello, I was declared BR in 2014, tax credits overpayment was included in this. After the BR I also attended a tribunal for the tax credits. There, a judge ruled the amount cannot be chased as it was included in my BR. I assumed that was the end of the matter but I’ve just received a letter from the HMRC stating I still…
Bankruptcy Cancellation
Hi, I'm looking to have my bankruptcy cancelled as I have cleared all outstanding debts and associated charges, but am struggling to understand how I do this and get an indication of the time this will take, has anyone been through this process and could advise?
Possible IPA assistance please
Hi I wonder if anyone can help me please. I have had my bankruptcy app approved a couple of months ago and have my IPA interview soon. I would like some advice please if possible. I am the sole earner, my wife doesn't work, as is on a very high dose of anti depressants, and my son is 18 and is at college - full time. We…
Ex wife went bankrupt
Hi all my ex wife went bankrupt in 2019, I found out she had been gambling and owed over £100k we split up and she went bankrupt without telling me… anyway I made an offer to buy the equity in the house which was accepted and I finally paid off in July 2020 and the charge was removed from the title deeds. My main issue is…
Charging Order
Hi can someone help I have a charge on my property from a debt incurred in 2008 It is in my name and my fathers. I have very little equity in my property but my dad and mum own their property (both names are on the deeds) he is now in a nursing home and suffers from dementia can they sell my mum & dads home to reclaim the…
Post Bankruptcy Cleanup - Creditor's email.
Hello to all "repairers". I'm about to clean up my credit file & was advised to email my creditors instead of sending letters. The problem is that it is not easy to find their email addresses, or to know that I'd emailed the appropriate department. Does anyone have experience with this? Additional questions: After six…

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NatWest, RBS and Ulster Bank to close at least 100 branches in 2024/25 – here's the full list, plus alternatives
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Bankruptcy & living with it

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