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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…
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Land charge
Hi all, I am discharged bankrupt and I am buying a house and the land charges search came back showing me as having been bankrupt. No issue disclosing this as cash buying due to inheritance. But I'm worried that it will affect sale somehow? I never owned property when I went bankrupt so am I able to get my name removed…
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OR phone call and IPA team
Firstly, thanks again for all the wonderful advice on this forum. For someone who is just starting to learn about bankruptcy or just starting the process, there is so much information here and the search tool has become my best friend :D I thought I'd update where I am in the process, in case it helps anyone else looking…
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Liability order after BR date
Hi, sorry to ask more questions. It seems things never go smoothly as you'd like them to!Five days after my official BR date, a liability order was made in respect of council tax for 2020/21. I haven't received an official notice of this, but if I go into my online council tax account I can see it's been made and probably…
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Basic bank account application - credit search?
This might be one of those questions where I'm just overthinking and really really don't want to get into trouble. I've been bankrupt about a week. I do have a basic bank account with the Co-Op already that I've had for many years, and had already arranged for my salary to go in there. But just in case it doesn't, or…
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How can we protect our assets/estate from Girlfriends financial liabilities?
Hi, I'll keep this as a tl;dr as it is truly a horrendous situation - I live with my girlfriend in the UK, I am British, she is Indian and on a Tier 2 visa - my girlfriend lost both her parents and last remaining grandparent recently to COVID in India this month. She has 1 sister and none of the deceased had wills. We have…
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Interview to go over expenses tomorrow help please!
Hi all, I was declared BR on 28th Febuary. I had a call from the OR's office wanting to go through my expenses, I'm at work so said I can't and would tomorrow be possible. She told me the documents I need to have and she's calling me tomorrow. Any tips for this interview? I know I will end up with an IPA as I have excess…
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Any dealings with Link financial
My debt with mbna was sold to them last year, which I have just ignored till now, but I have received a letter stating if I do not get in touch with them they will refer me to Kearns solicitors. has anyone any experience with them ? Is it an idle threat or will they go through with it and what can they do ? I have no…
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95% mortgage after bankruptcy
My hubby and I went bankrupt in 2017. I have been in touch with a mortgage advisor who has advised that I can get a mortgage in principle from June this year. Would it be possible to get a 95% mortgage given the bankruptcy seen as it is backed by the government?Thanks
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
