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Went bankrupt 2016
hi guys, I went bankrupt in 2016 so discharged july2017 therefore I've been discharged 3 years by now. I went bankrupt and I had about 12 creditors, some of those were settled on credit report and have already been removed although I have a credit card, loan and overdraft with lloyds which all show as default and show the…
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New to bankruptcy
Hi all, I applied for bankruptcy 02nd July and this was accepted 06th July (Lost my job like many others due to pandemic). I received my email with my bankruptcy order and letter attached. Still as of today I have not heard from OR, I emailed Croydon and received an email from one of the team to say they will be in touch…
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Bankruptcy and frozen account
Hi, I will be completing the online application for bankruptcy this week. I’ve done lots of research and wondered if anybody could answer my query around my Barclays Bank account which has my wages paid in and my direct debits and child benefit paid in monthly. I know my account is frozen once I complete the application-…
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Am I allowed to use my debit card?
I sent my form last Wednesday, BR came through Thursday Morning. Heard from OR on Friday and interview scheduled for next week. It’s my daughters first birthday today and grandad has put £50 in my account without mentioning it!!! Am I allowed to withdraw it? My OR lady is on holiday till next week so can’t ask her. Thankyou
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DMP and getting a new mortgage- payments/affordability?
Hi, I know this is the bankruptcy section but I couldn’t see a section for DMPs so hope it’s ok to post here, let me know if not. I’m looking for some advice as to how this situation might work. My husband and I have been in a DMP for just under a year (default dates latest Jan 2020) and have another 6 to go. We own our…
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Bankruptcy payments
I'm currently in an IVA but due to start university in September. I feel the easiest option for me going forward is bankruptcy however, when looking into surplus income to pay into the bankruptcy what stands as income? I get 12256 a year in loans and grants via student finance and then will be entitled to UC as I am a…
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4 weeks till discharge..
Literally can’t wait and am so happy I took the plunge!! Anyway I currently check my credit report on credit karma. Is this one ok to check statues after a month or should I be signing upto another one.
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Supermarket Scan and Go Checks
Don't know if anybody has noticed this but since going BR in May we have been selected for a security check every time we used a Scan and go facility in Asda/Tesco/Sainsbury but only main sites not local.Before I went BR I had no problem.Any thoughts peeps Mark B
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Bankruptcy application form help - Independent household expenses
Hi everyone, I’m a little lost with the bankruptcy application form. I currently live with X amount of housemates, we are all financially independent from each other, the only thing we share equally is household bills such as electricity/gas/rent, which is split X ways equally, no matter what their income is. In the…
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Voluntry Redundancy while Bankrupt
I have 20 days lift till discharge and have recieved a letter from work asking for voluntry redundancys, I was just wondering at what point i need to inform the OR and if/when they have any rights to the redundacy payment, If nothing was to happen before the 20 days have elapsed does it mean that if im selected I would get…
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Pension after bankruptcy
Hi, I was discharged 2 months ago and am 55 in November. Do I have to submit any of my pension if I access it.
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Bankruptcy in Scotland - a couple of questions (contributions, and PPI refunds)
Hello - to note, I'm in Scotland and was made bankrupt in Scotland under those regulations. After a long time of panicking and burying my head in the sand I was finally declared bankrupt in 2017 and discharged in 2018. I have been making a monthly contribution and completing a regular income/expenditure profile for my…
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When to hit the button...?
Can someone help, I was going to submit my BR form tomorrow after my rent has gone out but this only leaves 13 days till I’m paid? Is that long enough? My problem is if I wait till I’m paid to hit the button then I only have 2 weeks till my rent goes out and I really don’t want there being any problem with my rent payment!
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OR contact first 12 months
Hi all, so two months in and it’s all quiet. I’ve a 10 month IPA for some of the council tax £30 and all my creditors seem to have been informed now as no contact and they have all changed at once to defaulted on my credit report. All have listed date of bankruptcy as default date except very. My question is am I likely to…
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Debt collectors
Hi, I have had a couple of my debts bought by debt collection agencys, do I list them or the original creditor on the be form? Also there's one of my debts I can't find paperwork or emails for so I don't know the account number, do I need to put this on the form?
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Women Dealing with Debt
I came across this recently and wondered if anyone has any experience of them? There's no info on the Web site it's just a question and answer system to find out if someone qualifies. https://womendealingwithdebt.com
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Help during bankruptcy
Hi I'm considering going bankrupt and have been looking at my budget. It's a bit touch and go to make ends meet and I wondered whether I am able to receive financial help from friends and family towards living costs during that year?
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Help with online BR form
Hi every one I’m starting to fill in my online br form and after some help. on my SOA I posted up on here it says things like holidays but where on the online form do I put it?im presuming it comes under regular savings and other costs? also do I put in school dinners even tho there not at school yet I think it’s September…
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Mortgage Worries
Hi everyone hope you are well. Quick question, we are almost 6 years discharged and looking to move house soon. I thought our credit file was ‘squeaky clean’ but upon getting a full equifax report I can see that there are two ‘1’s’ for my mortgage in 2015. One in May and one in July. I must have paid a few days late I…
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Saving when in IPA
I was discharged from bankruptcy in May this year, but still have 2 years of paying into a IPA, my credit score is shot to pieces and was looking into repairing by saving via LOQBOX and additionally saving a little into a stocks and share ISA, The question is should I save at all while still in my IPA? Has anybody any…
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
