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Just been declared but open account now?
Weight off my shoulders now do I open a account?
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11 year old bankruptcy
Hi My wife was bankrupt in December 2009 and discharged 12 months later. After being refused for credit a few months ago she checked her credit file to discover that one company from the bankruptcy had put default back on her file in 2018. After contacting the company they said that this had been done in error but would…
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Underpaid Tax after discharge
Hi, I’m hoping someone may be able to help with this one. I was discharged from bankruptcy 1st January 2020, and as declared bankrupt 1st January 2019 - I have received a letter from HMRC saying that I have underpaid tax in year 2918/2019 by £2300, I believe this may have something to do with the nil tax code I was on.…
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CCJs after discharge.
Hi apologies if this has been answered many times. Can I chance CCJs to be marked as settled or are they set in stone until 6 years is up?
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Positive bankruptcy post
hi all, just wanted to share the fact that being declared bankrupt on the 26/05 was the best thing I could have done. i am back to me! And what a lovely feeling it is! Thank you for all the advice given. It sure wasn’t scary at all and got to keep my car. Life is just great with no debt stress!! Literally a clean slate…
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Limited company being sued
my husband and I are directors of a limited company and he is being sued in a dispute of bad workmanship, can he be sued both personally and through the company and is my house under threat if we lose ?
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Just clicked submit
So scared I have just clicked on submit for my br application
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Old bankruptcy
Hiya Not sure if anyone has any idea, but I went bankrupt approx 20 years ago, I have moved several times since then so don't have the official documents, does anyone know where I could find the date and reference number for when I filed for bankruptcy all those years ago? Thanks
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New to DRO please help
Hello This is my first time posting. I had a debt management plan with Stepchange and have kept up my monthly repayments. My circumstances have now changed due to a mental health breakdown and marriage breakdown. Since my DMP, 4 additional loans have been taken out in my name and I’ve signed them whilst under influence of…
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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.
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
7.3K discussions
41.8K comments
Most recent: Couple of DRO Clarifications Please by sourcrates
1 March at 7:21PM
