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Mortgage 48 months post bankruptcy
Hello everyone. I'm soon coming up to being 4 years into my 6 year bankruptcy declare period. I've been in very stable employment for over 2 years now and have saved enough for a 20% deposit on a £60k property. I have also been steadily improving my credit score since the bankruptcy with the use of credit cards (Aqua and…
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Contents Insurance
i informed Swinton that I have been made bankrupt as per the T&Cs of the home contents policy and they said they will no longer be able to offer me insurance as of today. Apparently I’m higher risk all of a sudden. So then.... who do you use for your home contents insurance after bankruptcy?
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Bankruptcy Advice needed
Original post way too long (sorry !) anyway both me and my husband will be declaring soon - me first - currently he gives me a set amount £600 towards bills etc and I pay everything - do I show this on my statement as "income" and then when he submits later he does the reverse and shows this as "rent/board' to balance it…
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Clean up?
Hi, I was hoping someone here could advise. I’m almost 7 years post bankruptcy and last year everything dropped from my credit file and I’ve checked all credit reports, there is nothing that was included in my bankruptcy on there. I’m conscious that I didn’t ‘clean up’ my credit file though and I now want to get a…
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Husband and Wife Bankruptcy - and general advice needed please
Hi - both my husband and I are close to pressing the button to submit bankruptcy applications - I have one payment left to make and he has to find all of his over the next two months - so it is likely I will do it first. How do we split the budget ? I normally manage all of the household bills and he simply transfers a set…
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Advice Needed (Council Housing)
Appolgies, but this has nothing to do with bankruptcy. My Dh and I are corrently registered with home select (for council/Housing authority housing). We made a bid (showing interest) on a 4 bedroomed house last Friday and we are in que position 6. This afternoon while I was picking my dd up from school there was a visit…
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Bankruptcy nuts and bolts of it?
What is required to actually go bankrupt? do you need up to date balances and loads of details of all your debtors or does it automatically cover all debts? how do you go about including all the future council tax for the rest of the year?
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DRO application, the nuts and bolts of it..
How does one actually GET a DRO if they have downloaded and completed the application form? Does it have to be posted off and if so, how and when does the fee have to be paid? cheers Stay safe pumpkins, summer is coming
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Mortgage Questions
Hi all, I was hoping someone could give me some advice. We are now almost seven years post bankruptcy but I’m a little stressed about our chances of getting a mortgage. I have just completed a Masters and halfway through the course my funding was pulled. As I had good credit at this point I got an interest free credit card…
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bankruptcy and using old credit card
Hi, I was declared bankrupt, well, accounts frozen then I can use my debit card for salary, etc. I had two credit cards from Lloyds and Nationwide with nill balance, still showing when login to their online site. I called Lloyds this morning if I could use my credit card again and the lady said it's been referred and the…
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O2 upgrade
has anyone upgraded their mobile phone whilst bankrupt? I had my o2 contract done through the Carphone warehouse and o2 keep offering me an upgrade now with no costs for renewal with them. I have read on forums that o2 don’t credit check existing customers when upgrading if payment history is good and the cost is the same…
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Insolvency
Firstly, would you advise using an agent to handle a bankruptcy, or doing it yourself?
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It's complicated
Hi, I just wondering if anyone can help / advise me. Long story short I split up with my ex approx 7yrs ago, he left and I took on the mortgage and secured loan fir the property which is in joint names, I haven't been able to remove his name from mortgage due to initially home being in negative equity and then I've ended…
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Couple of questions
Been lurking on here for some time about declaring my self bankrupt,I’m like evey one else petrified of doing it so reading in to it all if I could just ask a couple of questions soa does my wife have to declare her full wage as she has her own debts? Or 50%? also my son pays us lodge money I presume this has to go in as…
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6 years ago today!
Well as the title says 6 years ago today I was stood in a court room in front of a judge holding my friend's hand. It was terrifying - i'm so happy that it can be done on line nowadays. But, my 6 years are up - I stayed up till midnight for no reason as nothing really happened but i just wanted to be awake to mark the…
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Need advice as I'm terrified.. (mental health issues, Controlling ex partner)
Thank you for reading. Basically i am diagnosed as suffering from chronic depression. This depression led to avoidance when it came to money issues and with an ex that i trusted with our finances meant i have been drowning for years and its nearly taken my life with numerous suicide attempts. I have about 40k in debt. 35k…
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Car cash purchase while undischarged
Hubby and I were BR in April. Family car is a knackered rust bucket so been allowed to keep it. But it’s got a major fault and my Dad wants to give us the money for a replacement £3k. He is very adamant he will only give us the money for a car and wants us to get something better than we currently have. He lives 250 miles…
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Mortgage brokers discharged bankruptcy
Hi, I would like to know how to choose mortgage brokers for moving home after discharged bankruptcy of 10 years? What to look for, what questions to ask, do you have any recommendations? Many thanks
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Misled by IVA
In March the start-up I worked for went insolvent and I was unemployed; I had about £10k of credit card debt and one of the cards was about to come to the end of a 0% interest period, so the interest was going to skyrocket. And without a job I couldn’t apply for another card to switch it over to... My brother said he could…
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!!!HELP!!!
I have put off BR for months now, not paying debts and just living. Letters are coming from Agencies that the debt has been sold onto but I still am putting this off everyday. I’m so scared. My ex and me declared BR In 2007 and he dealt with it all and 2 years later he left and basically life fell apart and gradually got…
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
7.2K discussions
41.4K comments
Most recent: Irresponsible lending claim after DRO by ManyWays
23 April at 11:54AM
