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OR Interview
Hi All, Those of you who have been through bankruptcy...how long did it take from submitting the application to the decision being made? And when was your OR interview? Was this done at a pre-arranged date and time that you knew about beforehand, or does the OR just randomly call you sometime after you have submitted the…
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Debtb relief order extra payment
Hi Anyone please can you help. I have had a DRO last December but have since received a payment of £900 from an affordabilty claim that was submitted before the dro was applied for. What do I need to do?
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Personal Injury Payment after discharge
Accident took place a year after discharge, it's now just over 3 years since discharge and will getting a lump sum from Personal Injury Claim in a few a months ( I hope ). I used the MAP bankruptcy and was discharged after 6 months, so it's 3 1/2 years since going bankrupt. Do I need to inform the AIB of the money? There…
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IPA Interview Question
Hello - after over 12 months of plucking up the courage I applied for bankruptcy on Friday - had the confirmation of acceptance on Monday and the OR called me today. During the interview I was asked about the circumstances about how I got in this situation etc. He said he had looked at my credit file and could see when the…
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Assets abroad
Hi, I am looking at possible bankruptcy. I currently live in England but have a 5% share in a company abroad, apparently worth €800. I have never received any money from this company. I am hesitant to disclose this asset to them as it would cause big inconvenience for the compay owner who is majority shareholder. I guess…
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DRO or BR....
If someone was borderline bankrupt but could have the option of a DRO what would you say are the pro's and cons of the 2? it seems a DRO (now £30,000 limit) is scrutinised more than a BR, and that the (sole debts) debtors partners income and assets are are risk (and counted as joint income) whereas with a proper BR -…
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When will this drop off my file?
This debt was from 2010 and defaulted in 2016 so when will it drop off my file please? Is it on the 6yr anniversary exactly?
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Phone contract after discharge.
Been discharged for nearly a year now. My phone is on the verge of dying! Who’s best to try for a contract? Or do I have no chance?
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New Basic account
I’ve been banking with Monzo since my Bankruptcy order went in and was approved back in April. I’ve opened a Basic Account with Lloyds today, purely as back up. Do I need to declare this account to the official receiver?
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CCJ settled after being discharged
Hi, is it possible to get a CCJ that was included in a bankruptcy marked as satisfied? Mine still show as active but would like to get the amounts set the zero if I can.
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Making a Choice
Hello. Come here for help please. I have had a long period of mental health issues, during which time I messed up my finances. I'd lost my job and had a long period of not being able to leave my flat. SO I ended up living on credit cards, buying food with them mainly, and paying bills. Im getting a lot of help now, I'm a…
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IPOQ and NT tax code
Quick question please if anyone knows: I'm doing my IPOQ form for my income/expenditure assessment. It asks what my income is and then what I pay in tax. I'm already on the NT code and have been putting an appropriate amount aside each month (the tax office have said they'll claim it from the OR in due course). So when it…
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Need honest advice on how to Voluntary Liquidate small ltd company due to ill health
I have run a garage for 8 or so years, sole director of a ltd company. I suffered double organ failure, then covid, then no staff, then lost the premises. Currently the ltd company is active but I'm not trading. I don't owe anyone much at all, don't have many assets. I would just close it myself but there is a 23k I think…
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Charges on house - Cabot Financial chasing -
Dear all,As usual I am turning to my trusty forum friends for helpI was declared bankrupt in 2015 - voluntarily handed my house back to Landmark and from that day forward was not entitled to know what happened to the house etc.5 years later I am being called by Cabot. I decided to take the forums advice and actually speak…
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OR's Powers
Hi, I am about to go bankrupt and suffer really bad mental health issues. One thing that worries me is privacy. I have tried to find info online but I am struggling. Does the OR have the powers to get access to your emails, to online accounts, for example Facebook, or a Booking.com or anything like that? I know they have…
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Outstanding court costs help
Hello I could not find anywhere else to post this so think it's the most relevant forum section. I claim PIP and ESA at the moment as have learning difficulties and Asperger's, anyway onto the post. I got a letter from Trowers & Hamlins (lawyers) on the 29th July 2021 Dear Sirs Orbit Housing Association Limited v…
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Insolvency letter about official receivers interest in house HELP ?
I went bankrupt in January 2020 and was discharged January 2021 i have a joint mortgage with partner Yesterday received letter from Insolvency Service RE:MY NAME SUBJECT TO CONTRACT Property address :Address were i live With reference to the bankruptcy order was made on the 29th January 2020 in the above court and the case…
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Bailiff turned up unannounced
Good morning I’ve been woken by a bailiff this morning, advising me that I have an unpaid PCN dating back to February which has gone to court. He handed me a removal notice for my vehicle and showed me the initial PCN on his iPad, from my local council. I don’t dispute the PCN, it places me in an area where I know I was…
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Mortgage after a DRO
Hello! I am due to be discharged from a DRO later this year. I wondered if anyone has any advice on how long it is likely to be before I am accepted for a mortgage, and what steps I can take to help this. I assume the usual electoral role, using a credit card and paying it in full each month. Any advice/ knowledge would be…
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Post discharge advisors?
First post after searching about 25 pages of the forum and not finding anything on this... My discharge comes through in a couple of weeks and I'd like to find some personal advice (as opposed to the generic online stuff) about how to move forward with rebuilding credit etc. I've tried the usual National Debtline /…
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
7.2K discussions
41.6K comments
Most recent: DRO Approved - What Happens Next by sourcrates
31 July at 5:28PM
