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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…
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Statement Search
Hi all, Im looking to go BR very soon as my circumstances have taken a dramatic change. How far back will the OR look to see what the debt money was actually spent on? Mine has built up over the last 5-6 years and I have no idea what exactly the money was spent on so worried encase I have to list it. Just trying to be…
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Refund into 'frozen' account - OR claimed refund
Hello everyone I'm about 6 months into my bankruptcy now and I've found that it's all been smooth sailing until this week. I received 2 refunds this week for events that have been cancelled due to COVID-19, one was a £90 holiday deposit and another was £175 for a concert but they've both unfortunately gone into my supposed…
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Post Bankruptcy 2 UTR Numbers.
I was discharged from bankruptcy 25/02/2020. As have been self employed for over 15 years i have a UTR number. Due to bankruptcy i was informed by HMRC to file tax return by paper return and after tax calculation I would be issued with new UTR number.I was given an extension as by the time things were sorted the deadline…
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Consent Order
Hello all I've posted a few times about the issues i was having with my home being overvalued by the trustees agents which was looking like it would force a sale. The trustees eventually agreed with the 3 local agents who had valued the property and agreed a much more realistic price based on these estimates. Whilst…
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Bankruptcy and life insurance.
Hi, I'm just looking for a bit of info. My wife has just applied for bankruptcy. She had her phone interview this morning and it all went well. The OR has asked her for her life insurance details to check the policy, to see if in the future, if one of us dies, the payout will go to us or into the bankruptcy. If it does go…
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Bankruptcy or IVA....Decided BR is the better option but I have so many questions!
Hi I'm sorry if I seem really naive and thank you in advance to anyone that can help me out as i'm feeling very lost, confused and anxious right now. I have completed an assessment of my situation with Stepchange and the outcome was either an IVA or Bankruptcy. I feel like Bankruptcy is the better (?!) option for me as I…
