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Bankruptcy & living with it

To help people who are bankrupt rehabilitate their finances, without judgment.

Defaults after discharge?
Hi so I was discharged in Jan but on checking my credit report yesterday it's still showing my mortgage as open & logging a default each month. Do I need to do anything about that & what do you suggest? Thanks for any advice :smile:
Post bankruptcy clean up - How to write to Halifax?
Hi folksI have looked all over to find the address to write to for the Data Control Officer at Halifax (Credit Card) but have to admit defeat. Please would someone give me the address to write to?Many thanks :-)
Some Advice please?
Hello, Im wondering is maybe someone has been through what im currently going through or if someone could advise? In Feb 2020 the company i have been sole director of for 9 years ceased trading. I Ran a company that imported and sold a large range of own brand housewares and products. I used alternative funding to build…
Work in a bookies
hi, does anyone work in a bookies and has your bankruptcy or insolvency caused you any problems? I checked the company handbook and it says they can carry out credit checks on staff and if found to have ccj’s or bankruptcy they have the right to not employ you. Also that bankruptcy could lead to disciplinary action and…
Suitable Basic bank accounts for homeless
I have a friend who is currently in a temporary homeless accommodation, he has lost pretty much everything after a car accident left him unable to work, he has huge mental health problems, lost mobility and some form of brain injury making it very difficult to use online. He has has massive struggles in during the pandemic…
Corporate Credit Card post-bankruptcy
My employer has said that they want to give me a corporate credit card (which doesn't seem necessary right now as I'm not travelling anywhere). I can't find out whether personal credit impacts likelihood of getting a business credit card, but my situation is that I'm a discharged bankrupt (approaching 2 years discharged).…
Still being dogged by dept collector after 11 years bankruptcy
Hi, I'm dumbfounded, and wondered if anyone else is going through the same circle of round and round the mulberry Bush. My husband and I went bankrupt in 2009. All of our depts were covered, nothing missed off, and yet, Link have written, texted, phoned me on landline and mobile for 11 years, and today I got two emails.…
Creditors asking me to contact OR?
When I had my OR interview he asked me to ring British Gas and tell them I was bankrupt and start me a new account. So I rang up with meter readings but apparently the insolvency team are shut due to covid19 but the customer service team advised that they wont do anything until the OR has contacted them anyway. Next I…
sequestration scotland tax self assessment
Hi, I was sequestrated in 2018- discharged over 7 months ago now. It all happened as I was very ill and unable to work, made redundant due to ill health etc. I thought I was getting everything back to normal, however, I have been asked to complete a tax self assessment form for the year I was sequestrated. I've never had…
Bankrupt 2 years ago still getting defaults every month
I have a couple of accounts on my credit file with Lowell, I have asked them to change my account to satisfied so I stop getting defaults every month but they refuse to do so. I have pasted below what they have said but my credit score consistently gets worse as the years go on and the whole point in bankruptcy was to try…
The bankruptcy experience
I went bankrupt early last year so am now free of it. I was going to post something before but Covid hit and I was worried I might be bankrupt again soon! However, thankfully that has not happened. I read this forum regularly and found it helpful. I was also mindful of how much people struggle with some even thinking of…
To all those who are worried or worse....
I just wanted to say a massive THANK YOU to the people on this forum who regularly answer the queries/questions/calm the fears of those of us who are in this situation. I have found the non-judgmental advice invaluable over the last year and a bit. I had to declare BR last June and have just been discharged. I can't tell…
Is BR the right option? Please help, new here!
Hello all, I'm new here and didn't know where else to turn! My situation: I currently work 2 jobs, my main office based job full time and 12 hours per week in the evenings at a local supermarket. I live with my dad and his partner. Last year my dad was diagnosed with bowel cancer and heart failure, and last week was…
SOA IPA - Advice
Hi all, Going to keep this short and sweet. I filed bankruptcy around 18 months ago now. Due to nature of being bankrupt I was given a BRO, and after submitted my SOA given a steep IPA of £380. Unfortunately I haven’t got a copy of the submitted SOA however expenditure has changed since and we are pretty tight now. I am in…
Barclays online banking
I had a normal current account with barclays and a basic. I had online banking where I could access both accounts . Since the OR office has informed Barclays of my bankruptcy I've not been able to access my online banking. Does anyone else have online banking with the basic account or is it not allowed?
Pension Fund - Bankruptcy
Hi All, I could really do with some advice. I was declared bankrupt last month and everything seems to of gone well. I had my interview and the OR confirmed he didn’t need anything else and that appeared to be it. However yesterday to my surprised I received a little from a pension fund I had in 1995 and was only in it for…
DRO.............Stepchange or not?
For personal debts of a self employed person, is stepchange the correct portal? would it be simpler for the person to de-register from S/E? cheers
Handing keys back to lender - before or after bankruptcy??
Evening all After months of research and planning I have finally decided to go bankrupt. The posts on this forum have been a massive help, so thanks everyone. My husband and I have separated and we plan to both go bankrupt, hand keys back to our jointly owned (mortgaged) home and move on. Just unsure whether to hand keys…
Recently severed joint mortgage and ex partner facing bankruptcy
10 years ago my ex partner walked out leaving me a single parent and has only recently signed the deeds of the property and been removed from the joint mortgage of the property we shared. If my ex goes bankrupt is there any way I can limit my liability? She has signed the property over as she was trying to arrange an iva…
Univeral Credit
Hi I took out a advance on Universal Credit and received a advance before i went BR and could it be written off.

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