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Considering IVA - end of my tether
Hey guys Please no bashing! I have already spent the evening in tears. I feel like such a failure. Like a sh*t mum and absolute mess. I don't know how this has all spiralled so much. Now that my 0% has ended on everything in the last year, my outgoings are crippling me and now I've started to miss payments. My monthly…
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Charging order after repossession and bankruptcy
Hi I've had my home repossed and was declared bankrupt but I've just been sent a county court hearing date asking for a charging order the claimant is mfs portfolio. I'm really not sure what to do next
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can I now include HP car in bankruptcy
Hi I took out a HP agreement in October 2021 and made bankrupt in March 2022. The official receiver has said I could carry on paying the HP agreement. within 2 months of the purchasing the car I've had to carry out nearly £1000 of repairs since purchasing. the dealer has said he will refund me the amount which he hasn't…
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Is it worth using Bailiffs to seize goods from debtors house ?
Any advice would be welcome. I have a county court judgement in my favour for over £10k, against an individual. The guy lives in a four bedroom detached house with wife and two children ( both over 18). There is a car in the driveway worth £7-8k. I am checking who the registered owner is and if there is any hire purchase…
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Creditors Petition Bankruptcy - What Next?
I have recently been made bankrupt (personal) by a single creditors petition. Although I knew this would be approved it was over 2 weeks before I received confirmation of this from the county court and I have heard no more 2 weeks later after receiving this. The CAB have just contacted the petitioner for clarification on a…
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Newly bankrupt questions
Hi everyone I was made bankrupt beginning of January I have had a telephone interview with the OR he asked me to send him a few bits of information and I've had a letter to say he will not need to interview me again but today I had a call from his colleague who said hes been asked to investigate my house sell this was very…
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Enforcement officer & an issue that cannot be resolved.
I am not sure this is the right catagory but I do need serious help. There is no bankruptcy but it is a debt related. I got a phone call from an enforcement officer today stating he was visiting my property (it's not my property as I live with mum as her full time carer) to seize goods for a two and half thousand pound…
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Cheque Held After Bankruptcy
Hello all I declared myself bankrupt in 2019. A year later my status changed to completed or whatever the term was. I’ve had no issues with it since then, apart from a few months ago my local nationwide wouldn’t let me withdraw any money over the counter because they misunderstood the bankruptcy warning on my account. I…
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NatWest Accounts still open
Hi guys when I provided all my financial affairs in my bankruptcy I included 2 accounts I held with NatWest which both had historical unauthorised overdrafts. (There’s no interest or fees being added) the accounts have remained dormant for a few years. These accounts have remained open throughout. Shouldn’t these have been…
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IVA, House when divorce
My Ex in IVA, 5 years up Oct 2024. I found out she was in IVA
after a bill came through which should have been joint but her name removed.
Now we still own this property together. Reading up this property would likely
have some interest to them. So, after 4.5 years I believe they will ask her to
remortage to release small…
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Trust Deed Additional Income Help
Approaching the end, just 6 months to go and my employer is making me sign a new contract with less pay and benefits. As a sweetener they will give a one time cash payment. As I'm still in my trust deed this will show on my payslips and as a result be taken as extra income by my trustee. My wages will be reduced for ever…
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Cash
Hello, how much money I can withdraw for living costs without causing any problems before I submit bankruptcy form and my accounts get frozen? Thank you
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CCJ REMOVED YET NO IMPROVEMENT
Hi all, i have a CCJ and a Bankruptcy on my credit file, both due off this year. The CCJ has now come off however seems to have made absolutely zero difference to my credit score, i appreciate credit scores are largely irrelevant and a construction of the agencies but still i was hoping for a minor improvement. Obviously…
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Vodafone and discharged bankruptcy
Literally pulling my hair out! Bankruptcy issued in 2016 and discharged in 2017. Vodafone were included in the bankruptcy but claim that there were a few payments after the bankruptcy was issued so they didn’t treat it as an insolvency account. Note that they never chased for payments. Been working hard on my credit and…
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The sale of accounts during bankruptcy
Quick one, I presume companies selling your accounts during a live bankruptcy is legal? I am discharged in September but have been contacted by Arrow Global about a debt to Virgin Money included in my bankruptcy. Arrow are saying they were not aware of the bankruptcy….. but Virgin were as all documentation was supplied and…
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Debt accounts still showing open after discharge
Hi guys. Sorry if this has been asked before. I was discharged from my Bankruptcy 22/4/2022. However all debts that haven’t passed the 6 year anniversary of the default are still showing on my credit file as ‘open’ and includes an amount owed. Should I be getting in touch with these companies to ask why they have not…
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Mortgage shortfall balance
Hi, I'm a long term lurker and found replies to all the queries I've previously had without needing to ask so I'm hoping one of you may be able to help :) I went bankrupt several years ago and had a property left to be repossessed by my trustee as part of my bankruptcy estate. When it was eventually sold at auction there…
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Recently bankrupt debts building up again
If someone has recently gone bankrupt but since then has had council tax and utilities building up as well as credit cards. if they can’t go bankrupt again for a year after they have been discharged then what can they do when bailiffs keep calling? council tax debt is thousands now and pre pay meters have been fitted but…
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Tax Credits
Hi all, have been discharged for 10 months now, just recieved a overpayment bill for tax credits which most of were while bankrupt. Does this come into my bankruptcy or do i have to pay it all? Thanks in advance for any advice.
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Correct credit score
I'm sure this has been covered innumerable times on here but I just need an idiot proof answer if possible. I declared bankruptcy in 2010 and foolishly have never cleaned up my credit reports, never really been an issue as every time we needed credit checking we used my wife's name, she wasn't included in the bankruptcy so…
