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Help! Account frozen 2 weeks before discharge
I had no idea this might happen. I have a basic account with Lloyds (plus a couple of attached savings accounts with them to help with budgeting) and for some reason my account has been frozen. I have just rung Lloyds and they told me the block was put on on the 28th - I'm due for discharge on May 14th. I am paying into an…
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OR Interview Help
Hello, and I really hope this is the right place to ask. This is my first ever post but I need to ask the following regarding the OR interview. I am waiting for a bankruptcy petition to be served on me for non-payment of council tax (no other debts to be declared apart from water). Once this has been approved I know I will…
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Can an old, undisclosed debt be written off after the Bankruptcy has ended?
We put my other half through bankruptcy several years ago to clear off a hefty debt. He has since remembered that he has a debt in his name which his ex-wife is still paying off. Is he able to get this one written off by siting his previous bankruptcy status? This debt was around before he applied for bankruptcy.
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IPA monthly payment but 4 weekly pay
Hi everyone. Does anyone know why IPA payments can't be set to every 4 weeks instead of monthly? I understand 4 weekly pay is 13 pays in a year but when they are adding money on top of my 4 weekly pay to make it into a monthly payment schedule is making it very hard, I'm having 50 that isn't there added on to make it…
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Capquest
hi my dad was a victim of identity theft in 2002 for 900 pounds on a credit card . My dad told halifax there was no credit card. My dad is disabled and dislexc .Halifax told my the account. Was closed nothing was mentioned for 20 yrs then this year capquest sent him a letter saying he owes 8324 pound Halifax refuse to…
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unchased debt....
Is there really a 6 year "no contact" limit on creditors chasing a debt? (not bankrupt)
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Discharged
Hi Guys, very happy today as I have officially been discharged and although debts are effectively written off at the point of going Bankruptcy. My understanding is they are officially written off once discharged? Please correct me if I am wrong. Anyway, the main question I wanted to ask, now I am discharged, do my old…
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BR 12 Months up, but a small hitch
12 months were up 20 April and having jumped on the Individual Insolvency Register, I note I am still listed at BR instead of 'discharged.' I have refreshed the browser and re-entered my name with the same result. After saving previous Q & A's on this very subject, I'd like to do a screen grab/print for reference, but…
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Bankruptcy - Salary, Bank account, and property rent
Good Morning Everyone, Apologies if such topic already exists (I tried to search however was not able to find exact answer) I am about to declare a bankruptcy, and as far as I know all my bank account will be frozen. I am still full time employed, and as I understood, for the first year my salary will be taken, and only…
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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…
