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Official Receiver going after my ex-wife's/children's house
I am now released from bankruptcy but my official receiver is demanding money from my ex-wife for equity in her house. This is quite complex... I moved out of that house in 2013 We divorced in 2016 I remained on the mortgage as she would not be able to get one on her salary Her parents put in a sizeable chunk for the…
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A little Advice
So I have got myself into a little trouble financially - long and the short of it is I made a lot of money trading CFD'S but have now lost it all plus a lot more. So having battled with addiction problems over the years this was my latest addiction and fortunately now getting some proper help. So in essence I am now £80k…
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Tax rebate after bankruptcy
Hi, Just wondering if anyone has an knowledge or experience in this area. My 12 months bankruptcy finished in mid July this year. It looks like HMRC have recently calculated my tax for the year 20-21 as I called them today and they said they have written to the insolvency people about whether they should be sending the…
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Final tax return before going Bankrupt
Hi there I have debts in excess of 50k with half of this owed to HMRC. I aim to file for bankruptcy in the coming weeks as the debts are out of control. I am self employed and a sole trader and wish to continue my trade once I am bankrupt. Should I file my final tax return(2021-22) before filing for bankruptcy to write…
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Bankruptcy Credit Reference File Clean Up - Discussion
If you wish to discuss the "Clean up" of your Credit Reference Files and don't wish to start your own thread, then please use this thread. Thanks. :)
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My tax ipa query
Hello all, I recently became bankrupt 1/7/22 and have a tax ipa for £137, paying to Advantis. Hmrc haven’t changed my tax code so they asked me to send payslips and my salary had actually decreased by £200 so they said they would speak to the insolvency team and defer payments by a month. My questions are: 1) is it likely…
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DRO period over but defaults being added to old accounts
Hello, so my DRO 1 year period ended in March but a credit card company which was under that DRO have marked on my credit file that the account is still open with an outstanding balancing and it’s had monthly defaults added to it. I understand a DRO and default marker will be there for total 6 years but surely they…
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"In default" still on ClearScore 2 years post-BK
Hi all, I'm coming up to 2 years post-bankruptcy this month (discharged 12 months later) and have been making sure my credit file is as it should be, as my score on ClearScore is 71. I noticed that one of the accounts included in my bankruptcy was still showing missed payments right up until last month. However, I've…
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Income payment agreements
Hi, I am finding conflicting sources of information regarding how long it takes under bankruptcy for debts to be wiped off, a lot of resources say one year, but then stepchange and other places that are registered to give financial advice say that you can have to pay an income payment agreement for upto 3 years. Given that…
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Property Charge
Hi, I have a charge on my property from 2008 with BlackHorse that I need removed. I went bankrupt in 2011 and understand that all my debts were wiped however the charge still appears on the Land registry. Does anyone know how I can get this removed and or a direct contact at BlackHorse as I cannot seem to get through to…
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Bankruptcy advice
Hi, I’m about to file for bankruptcy but am just wondering if I need to print out bank statements and credit card statements to give to the OR or will he get access to these from banks? If accounts are frozen after filing how will It work. I use internet banking and have never printed statements so don’t have any! Hope…
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Charge on a house
Can a spouse sign over the ownership of a house to the other spouse to avoid a charge being put on it by a business creditor?
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Cost of living payment in an IPA
Hello, Does anyone know if the cost of living payment from the government for those on certain benefits will be included in your IPA? I have found zero info on this and I guess it probably will be but does anyone have any ideas? Cheers.
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OR claim against father estate
hey, hope you can help. My fathers bankrupcy order made in 1996, he passed earlier this year. Seems there are 2 funds that the OR has put a note on. The pension provider said they had investigated and now I have claim forms from Aviva but stating I must have the OR say that they dont have a claim against the funds any…
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Account sold
Hi all After declared bankrutcy in March , just received a letter said my Amazon credit card sold to LC asset 2 sarl , do l need to do anything or just leave it , thanks
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Santander Complaints dept
Does anyone have a email address for the complaints department at Santander. I entered into Bankruptcy in April 2021 and was informed by the OR they would take send a bank 1 notification to Santander and the account would be closed. I regularly check my credit report and can see that the account is being reported as…
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Post Bankruptcy And Dealing With Court Car Parking Fine (2017) from Groupnexus
Please can somebody offer me some advice on this. I was made bankrupt in 2020, discharged earlier this year. I have just received a county court claim form from CP Plus Ltd TA Groupnexus. The claim is for £335.28 . It is from a parking charge dated 4/1/2017 at MOTO Exeter 2. They state that "despite requests.......", I…
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Argos store card still showing as a default
I went bankrupt in 2018 and my Argos store card is still showing as a default. It was included in my bankruptcy and should show as settled like the other debts in the bankruptcy. I have tried to get this rectified with Argos to no avail. Has anyone got any advice or contact details for Argos?
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Help to write a letter to Council before going to court
Ibown a house in Harrow. There was one month that lapsed in council tax after my tenants left. Council for some reason tried to recover it from previous owner (who left in 2006). They were sending letters and court summons to their name. Obviously I didn't open it. Finally I decided to read it when a bunch piled up. So it…
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Discharged, credit file confusion
Hello, I've recently been discharged from my bankruptcy which has been a HUGE weight off my shoulders and a (pleasant) anti-climax! Just checking my credit file reports to see if my discharge is reflected in them and if I need to do any clean up as per the advice found on here and I'm unsure as to what I'm finding. Here's…
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
