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Not sure how my credit file should look post BR
Hi I came out of my 1year bankruptcy in June so I'm now 6 months clear I still have a join loan that I'm no longer accountable for showing on my credit file. luckily the ex keeps it up to date it's not a default but it's a for a huge amount (more than my annual income anyway). Should this still be on there? Also my…
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LCS still harassing me
Good morning I was declared bankrupt in 2018 and was told to go to the Recievers office to discuss my situation. While there we went though all my business debts and personal. Now 3 years on a company called LCS are constantly sending letters for a business debt even though I’ve told them it was added by the Reciever as a…
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Using bank charges refund to pay bankruptcy
I have been long term reader if this forum. I have debts from years ago. I have not had any new credit in 2 years. After years of ignoring I finally sat down and looked at them. Stepchange have recommended a DMP. However, I’m in social housing. Have no assists. My debts are £28300. While I appreciate their advice I’m going…
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IPA rules after discharge
Hi, I’ve been paying an IPA every month for 18 months of £130. This month it was due to go down by £80 as my universal credit is going down by that amount. Now my landlord has let me know my rent is going up by £50. I’ve let the OR know and my IPA has been cancelled. Does anyone know if that’s it? Or can it be brought back…
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Moved: Online School Debt.
This discussion has been moved.
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IPA
Hi, last month I declared myself bankrupt and today I had my first interview with OR. The question is how will they decide for how long will I be on IPA? I can't really find an answer to that anywhere. Is there anything that I can do to get 12 months of IPA instead of 36? Many thanks in advance
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Bankruptcy
Hi, looking for some guidance here as it's been a horrible year, my husband was made bankrupt this year by local authority for business rates, OR promised to keep in house but suddenly passed to Insolvency Practiitioner who are chasing c£180k and increasing because our home is in my husband sole name. Simply a matter of…
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Am I entitled to share of equity from a sold house during bankruptcy ?
Hi My situation is that my very recently ex husband went bankrupt 2020 and was discharged recently in the last few months however in the process of the bankruptcy my ex gave back our house to the bank. I was not on the named mortgage however I did contribute to the deposit towards the house , paid towards the mortgage (…
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Scottish DAS - IVA on Credit File
Hi there, I have been in a DAS for 3 years now and paying my debt pile off slowly but surely - 4 years this month until it’s done :smiley: . For the last 3 years I’ve not touched credit (not that I’ve been able to anyway…) however I decided to download the ClearScore app just to see how my file was getting on. Couple of…
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TSB - Data controller.
Evening, Clearing up the credit files and a TSB Loan default is 5 months post BR.. I have called, researched via tinterweb and still can't find any information on who to actually write too.. Does anyone have these details please. Stay fresh
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Moved: pari passu principle?
This discussion has been moved.
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Scotland - Minimal Asset Process
Hi all, Would you mind sharing with me your experience of applying for MAP and living with it? Here is my background and why I am thinking of applying for MAP: My husband left me 2 months ago turning my life upside down as I had been left with all the bills to pay and roughly £6000 of my debt (£3000 credit card, £2000…
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company liuidation - can I get list of creditors
On the companies house website I am looking at a liquidator's "statement of affairs" for a company that was liquidated a few years ago. It includes one figure of around £40k for "unsecured creditors" Is there anywhere I can get a list of the individual creditors?
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Declare or not
Hello I was discharged in 2016 and I recently looked at my credit report and I can't see it anywhere. Is this an error? I am saving up to buy a house, do I need to declare I once was bankrupt?
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IVA / Bankruptcy query
Hi all In process of an iva application, but my mind is doing somersaults as it's still a week or so before the creditor meeting. As it's a sunday i can't ring the company who are doing the application so thought i would put a few queries here in the meantime. Any pointers greatly appreciated. If the iva is declined (it's…
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Santander still sending debt letters 11 years after discharged bankruptcy
I keep getting letters from Santander for a debt that was included in a bankruptcy 11 years ago. I’m finding it incredibly irritating after all this time, is there a way to make it stop? 🥴 Thanks.
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Vehicle for work use, can it be kept?
If you have a vehicle and it’s for work use (van) and the outstanding finance can be met, will you be able to keep this, or can it be taken as an asset?
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Claim form while on IVA
Hi all hoping I can receive some advise on my matter with a creditor I owe money to while on an IVA. My IVA started in May 2020 and one of my creditors unknown to me until recent months wasn't added to the IVA and have now received a CCJ Claim Form from the claimant. This debt was due back in 2016 and the claim form was…
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Partner - credit card questions
Morning, I declared BR back in March of 2020, now discharged. I have no finical links to my partner apart from sharing the same address. Thier credit score is 999 yet they cannot obtain a decent balance transfer card. Is this because of my BR? Ive read different things.. Thanks
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Bankruptcy & Endowment Policy
My father took an endowment policy on my behalf just after I was born several decades ago and he has been consistently making payments into it. I have never paid into myself and complete forgot it existed. I was made bankrupt 4 years ago and i forgot I had the endowment policy so never declared it. I would like to…
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
7.2K discussions
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Most recent: Hoping to apply for a DRO by Thymeforchange
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