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Totally confused (Is my credit rating still good?)....
I am still getting the phone calls, letters etc.. regarding outstanding payments, even though I have told nearly every creditor that I can think of that I am bankrupt. I was declared bankrupt over 2 weeks ago (I became famous in the insolvency adverts today), so would have thought that the credit reference agencies would…
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lets get to know each other
hi just wanted to start a thread so i can get to know people on here a litle better ill go first i am a house wife with two kids age 8 and age 3 i live in the south east my oh is a discharged bankrupct and i am on a dmp my music taste are punk rock i used to work in the mental health area and have no planes to go back to…
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Bankruptcy "ambulance chasers"
Today, 2 days after being made BR I received a letter from a company calling themselves "The Bankruptcy Protection Fund Ltd". They've obviously got my details from the Insolvency Register since my name appeared there yesterday. They're basically offering to cancel my bankruptcy and repay my creditor - service only…
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Please help I'm so worried
Hi All This my 1st posting on here, even though I have been reading your posts for a number of weeks. My partner and I our about to declare ourselves Bancrupt but I am so worried and scared, I am struggling to sleep at night :confused: Background - Home worth approx - 170k Car worth approx 15k Loans and Credit Cards - 45k…
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My house and BR
Hi, been reading the forum for ages and now decided that my hubby will go BR asap so this is my 1st post. We have a mortgaged home (124K) secured loan (58K) and the house is worth 170K If my hubby goes BR what are the chances of us losing the house? I have a dependent aged 10 living in the house. Will we have to sell to…
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someone else bankrupt- i can't open a bank account
i went to the bank today to try and change bank accounts but the computer (equifax) said no. after 4 hours of hunting for the problem it seems to be this: someone my husband was associated (gp partnership) with has now gone bankrupt. because their name is tied to his 'forever' i am told, this affects him. because we are…
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loan
a friend has taken out a loan[£1000] their account was credited with £2000. whats the legal position on the extra 1000?
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Opinions please
Wondered if you could help me make up my mind.
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Hi Acey And Ras
:confused: Sorry for every one else reading who does nt know what im on about !! Did you both get my pm's tonight which I sent to acey on sat night ? important info and worried it did nt get through.
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Declaring Bankruptcy while abroad!
I've been living in Spain for the last 2 years and own a modest property outright here. But it's no luxury villa on the Costas, it's in rural inland Spain and it's value would be no more than £60K. Anyway, I have credit card debts back in the UK to the tune of around £40K. I've never missed a payment on any of them but…
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still getting hassle and interest added after BR
Sorry I haven't been on much since going BR I often think of you all but to be honest really trying hard to draw a line under the whole thing and move on ... but I am STILL getting letters threatening to send bailiffs round , to sell my dept to a door step recovery agency and they are still adding interest ! I went BR in…
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Made a mistake on my SOA
Hi Bit worried here. I was reading over my SOA a few mins ago, (nothing else to do) and spotted an error that no-one inclusing me seems to have spotted until now. In the section, "property you rent" I have failed to fill in the details of our council property - which is where we live, or at least if i did it doesnt show up…
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Car loan straight after BR (poss. ED)
Hello all, I sent my early discharge questionnaire back recently and by my calculations, if all goes well, I could be discharged in November. During BR, I've been running a dog of a car that has got so bad that I fear it's a danger on the road and it's going to take more than modest repairs to keep it safe. It certainly…
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motability and BR ????
I have a mobility car for my daughter who is disabled , the 3 year contract is up soon does anyone know if I can still apply for another car when BR ? I know it is financed through motability but not sure if it goes on my credit rating or not ... worried sick now ....
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Paypal account for bankrupts ???
Heya Please can someone help?! I will shortly be going bankrupt but The C.A.B say I'll be allowed to carry on trading with my ebay shop, I'll be able to open a new credit only bank account to make deposits from paypal, but does anyone know if I'll be able to keep my paypal account going :rolleyes: Thanx
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Question about old address (again)
I've been on to the Insolvency helpline again this morning and yet again have been conflicting advice so I thought I'd come straight to the horses mouth. I was paying every month a debit debit of £476 to my friend for rental of his flat, no tenancy agreement due to probs I've now "moved" and am paying less rent a month…
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Court delay
Hi I'm new here and would very much appreciate some advice. After much soul searching my sister has decided that her only option is to declare herself bankrupt. Problem is that we today discovered that there is a two month wait before she can present her petition at court. She has stopped the direct debit for a payment…
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Bank Account
Hi All, Quick question re my bank account, I've been on a payment plan with payplan for almost 2 years now however due to a recent change of circumstances I now am going bankrupt next week. When I set my payment plan up I stopped using my old bank account and opened a new one with the Co-op - a cashminder one. I've never…
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bankrupt information help and advice.
Hi I am new to this so hopefully soon I will learn how to use it more efficiently. I have entered an IVA (Just at 1,000 monthly) but now lost my job, we sold our house earlier in the uear and moved into rented, I tried to sort out my problems as best I could but it's now got the better of me. I feel extremely guilty but…
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Telling the creditors I am BR
I am not sure if I should post this as I seemed to stir up bother when I said I joked on the phone before! However here goes ... All the creditors now know I have gone BR and were nice enough but one was a swine, she was from an indian call centre calling on behalf of ***** (deleted for legal reasons!), wanted my details…