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Template letter for virgin mobile letting them know am unable to pay for my bills to them.
I have just cancelled my direct debits to virgin mobile while waiting for my debt relief order to be put in place and am going to send a letter to them but am really struggling to word it can anyone please help me with a template or advice thanks.
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RTB and wife's bankruptcy, but I'm sole tenant and applicant.
Hi, interested in doing a council house RTB. I'm sole tenant of property and can raise the funds required. Sticking point is my wife's ongoing bankruptcy. She isn't involved in any way with purchase. My only hesitancy is do creditors have any claim to property because we are married? Should we go ahead or wait for…
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Discharge
Hi, just after a bit of advice. Friend of mine was made bankrupt on 4th June 2020 and they have had no confirmation of discharge. Should they email the OR or wait a few more days ? I know covid will play a part. Thanks for any help or advice
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Don't know what to do!!
Afternoon all, just looking for some advice regarding my debts. I have been paying small payments towards my debts for a good few years now all defaulted. Spoke to step change they recommend bankruptcy as i rent and 46k debts. I wanted to go down this route for some time but always to afraid basically i owed my parents 12k…
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What do I do? Is Bankruptcy the best option?
Hi all, I am in a bit of a !!!!!! place with debt. We own our home so we do have this asset however we haven’t been here long so do not have enough equity to look at a secured loan. I have spoken about an IVA however I wouldn’t really be able to afford to pay much at all. I have the option on bankruptcy, this seems really…
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Moving on from bankruptcy
I filed for bankruptcy 2 years ago and have been discharged for over a year. The proceeds of my asset sales were insufficient to settle the debts and I had no income at that time to offset. Every 6 months I receive a request to provide details of my income but until now there not been any as my husband pays the rent, bills…
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Is it ok to cancel direct debits before debt relief order in place.
I have sent off my paperwork to stepchange regarding my debt relief order on Wednesday via special delivery and it was delivered Thursday and am waiting for the barcode to pay the £90 fee is it ok to now start to cancel my direct debits to creditors?
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Existing Credit Card during Bankruptcy.
HiI am halfway (6 months ) of a bankruptcy. The Argos Card I had with £750 balance has been closed but the £500 Amazon card remains open. Obviously I have not used the Credit at all and the balance has remained £0 since I declared myself BR, but If I was to use it, will this be classed as BR offence? Thank You
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Got behind after declaring BR
Hi, Cut a long story short, I've got behind with my bills (council tax) after declaring BR and have yet to set up an IPA. I have my interview on the 30th June to go over my income and expenses. Because I've got behind my monthly repayments will be slightly higher eg. Council tax, water etc, . Will the OR allow that? I have…
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Tax credits
Hello, I was declared BR in 2014, tax credits overpayment was included in this. After the BR I also attended a tribunal for the tax credits. There, a judge ruled the amount cannot be chased as it was included in my BR. I assumed that was the end of the matter but I’ve just received a letter from the HMRC stating I still…
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Bank ballance on BR form???
Hi all, me and my husband are just completing our bankruptcy forms. They ate asking what's in our bank account! We have some money in their but it's their for this months bills rent, utilities and so on. Do I put the amount or put zero? It's showing as if the balance is a asset but come Tuesday the account will be emptied…
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Bankruptcy Cancellation
Hi, I'm looking to have my bankruptcy cancelled as I have cleared all outstanding debts and associated charges, but am struggling to understand how I do this and get an indication of the time this will take, has anyone been through this process and could advise?
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Ex wife went bankrupt
Hi all my ex wife went bankrupt in 2019, I found out she had been gambling and owed over £100k we split up and she went bankrupt without telling me… anyway I made an offer to buy the equity in the house which was accepted and I finally paid off in July 2020 and the charge was removed from the title deeds. My main issue is…
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Charging Order
Hi can someone help I have a charge on my property from a debt incurred in 2008 It is in my name and my fathers. I have very little equity in my property but my dad and mum own their property (both names are on the deeds) he is now in a nursing home and suffers from dementia can they sell my mum & dads home to reclaim the…
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Post Bankruptcy Cleanup - Creditor's email.
Hello to all "repairers". I'm about to clean up my credit file & was advised to email my creditors instead of sending letters. The problem is that it is not easy to find their email addresses, or to know that I'd emailed the appropriate department. Does anyone have experience with this? Additional questions: After six…
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Positive story -you can move on: including with a mortgage.
I went BR 13 1/2 years ago after an abusive marriage. I was discharged 13 years ago, after a few months. I followed the clean up and built my history slowly. I have an excellent credit score whatever that means. My file is heathy and I have lots of lines of credit which are used sensibly. I have just got a mortgage (didn’t…
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Bank ballance on BR form???
Hi all, me and my husband are just completing our bankruptcy forms. They ate asking what's in our bank account! We have some money in their but it's their for this months bills rent, utilities and so on. Do I put the amount or put zero? It's showing as if the balance is a asset but come Tuesday the account will be emptied…
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Iva ppi refund
Hi Just wonder if anyone can offer any advice. My iva finished in November I paid 100% to the pound. In December I got a ppi refund which went to my iva company. When I phoned them up to ask about it they said because I paid 100% to the pound it would come back to me. My question is the iva company is saying they can't…
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Bankrupt 1 month ago just received a NT letter
Hi all. Desperately need some advice. I went bankrupt on 26th April. I had my.phone interview with the OR. Then recevied an email saying they have assesed my case and decided there is no need for any further information. Today I recevied a letter from HMRC saying my tax code will chane to NT. I have not had any call from…
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Bankruptcy and new energy supplier
Hi I was declared BR on 28th February. I currently pay for my energy with a monthly direct debit I have never been in debt to the company. They have put their prices up for the second time this year so I want to switch suppliers. Will I have trouble getting a direct debit with a new energy supplier? I don't want a pre…
