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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?
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Trying to decide what to do
Good morning, I have questions which I'm hoping you can all help with one way or another. For one reason or another I've buried my head in the sand over my debts and now trying to find a way out. 🤯 I owe around £30000 to various people 2 of which are a ccj. I have done a I come and out come and have around £80-£100 a month…
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Being considered
Submit Bankrutcy yesterday , sign in see status say bankrutcy being considered , is it normal n how long would it take to know , thanks
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Do I tell the county court CCJ judge
Sorry for asking so many questions I lost a ccj and entered n245 form asking to lower the payment amount. Anyway I am supposed to start paying £300 a month on monday. Do I tell the judge / creditor I’ve been made bankrupt as off 8/03/22 or let the bankruptcy process do that
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Bankruptcy has been approved now what
As above it’s been approved do I cancel all my dd? Inc hp for my car also I am due to make a £300 payment on Monday for a ccj do I let the person know that I am bankrupt or let the system do that? ( think it takes 6 to 8 weeks for them to contact them) the ccj is named in my bankruptcy.
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Applied for bankruptcy
Applied for bankruptcy going to be long 28 days. Don’t know I will make it
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DRO - struggling to understand what I need to do due to head injury
I'm in a lot of debt, largely tax credits due to a years overpayment deemed when our employer didn't register any of the staff with HMRC. (about 7 of us got caught up in this it was horrendous) Tax Credits have syphoned this back over the years at 50% of the correct awards but 50% less has then pushed me into debt in other…
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your help please
long story short I have lost a CCJ (personally) did a job for a client she said went wrong so judge sided with her. i made an offer of a monthly figure to pay her back refused and she wants it back at £300 pcm. which i cannot afford. I have now closed my limited compony and asked to be stuck off. she sent a letter to…
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Question on CCJ/BR on credit file
I used this forum frequently when declared bankrupt 6 years ago, it was of huge assistance, it feels a bit weird to be back! My 6 years is up later in the year, however i also have a CCJ..this PREDATES the bankruptcy by a couple of months, but it still has an amount next to it, i.e not listed as settled- it went into my…
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Moved: Court enforcement officer visit
This discussion has been moved.
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IPA help/ guidance please
I apologise for the very long post but I have no idea what to do here, so any advice will be gladly welcomed. I filed for bankruptcy in September of last year and I received telephone call yesterday telling me as my circumstances have changed I have recently started a new job I would not need to complete an IPA. I had…
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
7.2K discussions
41.6K comments
Most recent: Hoping to apply for a DRO by sourcrates
15 August at 2:19PM
