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A little advice please before I start the process.
I already have a basic bank account and have done for a few years. If I speak to my bank about the bankruptcy could they agree to keep my account or is it indefinite I will need to change? When I start the process, Will I need to upload all of my debts myself before they will agree to bankruptcy or can it be done as I go…
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US credit score vs UK credit Score
Good Afternoon, I am a UK citizen who spent 12 + years living and working in the USA. During that time my family and I were forced to file for bankruptcy. With a growing family, loss of employment our debt grew to an unmanageable level. We tried for years to dig ourselves out of debt and even tried a debt management…
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12 month anniversary of Bankruptcy
Hi guys. Was declared bankrupt at the end of April last year. With the end of the 12 month restrictions being lifted in April 2022. Although I know I continue paying into the IPA for 3 years. Should I expect any contact from the Insolvency service or Trustee at the end of April. Or will it just update automatically. With…
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email/letter when discharged
Hello, was I meant to get a letter or email when I was discharged from my bankruptcy? I've just been ready on the debt camel how to clean up my file and it says I may have had a letter, I didn't receive anything. Is my only choice of proof of discharge now to pay £70 for a Certificate of Discharge? thanks
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Joint loan with ex - now solely his due to my BR
The above loan is still showing on my credit file, is this correct? it looks like I have a loan of £25,000 on my lending and I don't, I am worried about affordability being messed up when I apply for a mortgage with my new partner.
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Council Tax Debt
I am looking into a DRO and part of the debt is a 4k council tax debt. My partner lives with me (although her name isn’t on the bill)….will she become liable for some of the debt?
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Settled status after discharge
Hi everyone, please accept my apologies if this has been asked before I couldn't find an answer. I was discharged for bankruptcy towards the end of march and my debts are still labelled as owing money apart from 1 account which updated as satisfied in the last few days, is there a timescale for the rest to be satisfied or…
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Past Records
If after 15 years, can anybody see your bankruptcy? Recently applied for a car loan, good salary, no loans, 1 credit card, renter, never missed any payments.....but declined?
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DEA after discharge
I am hoping someone can help. So I was declared bankrupt 9th July 2020 and was discharged 2021, followed every rule laid down by the OR and haven't touched credit since. Today I have received a letter off the DWP debt management saying I owe £712.99 which they will be taking by DEA every week starting this Friday. I…
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Mortgage after Bankruptcy
Hi I went bankrupt in April 2015, it has not shown on my credit file for over a year. I'm due to apply for a mortgage but am going to leave it until May so that it is a full 7 years from the bankruptcy. I was wondering what type of organisation would be best to use for the mortgage? Bank, building society, a mortgage…
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Creditor in IVA yet no payments
Hi, Long start, short. I have two CCJs against a previous partner. I was originally omitted from an IVA he went into in April 2021. I was added to the IVA in September 2021. I've not received a penny yet. I called debt movement, they refused to tell me anything, just kept repeating "you are on the claim" Should I give up…
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Partially settled and bankruptcy
I am a discharged bankrupt and have been told by the Halifax that my account will show "Partially settled" on my credit file. This mortgage was included in the bancruptcy, surely that debt should be totally cleared. Can anyone clarify the truth of this matter. TIA
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Debt recovery notice of intention
I am a self employed contractor, and my former work company is threatening me with debt recovery regarding an overpayment. I intend to go to court if necessary as all jobs were provided and done and there is no overpayment and I can prove this. What scares me and this is where I need advice is that there is a paragraph…
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Title register on selling property
(been advised on property forum to post on here) Hi all, I'm currently in the process of selling a jointly owned property and solictor tells me I have 2 restrictions on the title register of the property. (not a registered charge) As it is not a registered charge, the solictor says the sale can still go through whether I…
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Recently discharged on IPA
Hi everyone. I would like to ask some questions related to bankruptcy, I've recently been discharged from bankruptcy but I still have the IPA attached (Never paid into my IPA) Now that I've been discharged am I able to start looking into improving my credit even with the IPA? I've never paid into my IPA, is there a way I…
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SOA/Budget in Bankruptcy
Good Morning! Following the closure of our business, I'm getting my ducks in order ready to declare bankruptcy - a real hodge podge of debts, some historic and many more recent as we've tried to prop the business up. No assets to protect, and looking forward to the clean break. I've put together a list of my expenses and…
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Selling house - not enough to cover charging Orders
Can you advise what happens if you have a few final and interim charges on the land registry but the proceeds from the sale are not sufficient to pay all the creditors? Can you still sell or it is a long process to get these charges removed? Currently buying a house and stuck due to this. My solicitor noted on the property…
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Bankruptcy while working for financial institution
Hi, how big is the chance that workplace would find out about my money mismanagements if I keep my mouth shut? Do I need to tell my employer or end client if I'm contractor for financial institution (let say bank) that I'm going bankrupt or this is up to them to monitor people who working for them? Thanks!
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Non Resident Bankruptcy
I have a large amount of unsecured debts in the UK and no assets, I want to know if there is any chance a creditor could file bankruptcy against me if non resident?
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Why is my ccj still listed for April? I am bankrupt
Hi sorry For the post just stressed The official receiver wrote to the county court and explained that I am bankrupt (case is named in my bankruptcy) but today the judge wrote that the case is still listed for April? Why?