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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…
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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:
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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 :-)
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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…
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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…
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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…
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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).…
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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.…
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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…
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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…
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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…
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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…
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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…
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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…
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
7.2K discussions
41.6K comments
Most recent: How's your experience been with a DRO? by elsien
26 August at 8:45PM
