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Bankruptcy & living with it

To help people who are bankrupt rehabilitate their finances, without judgment.

dmp to dro? lots of new upheaval now
myself and my wife are running a self managed dmp for last few months after leaving the step change one. we did the CCA letters almost 3 months ago and set up repayment plans for creditors that proved debt was enforceable., which are standing orders set up by us some never even answered our recorded delivery letters. so…
SKY
SKY are insisting that a debt was generated after my bankruptcy. But it was generated because they didn't stop charging me. I didn't take out a new contract. It has been passed to debt recovery who are insisting that I should have OR issued paperwork that lists SKY in the bankruptcy. I have my order but that does not list…
Applying for a judgement to be set aside
I've been discharged from my bankruptcy for almost 3 years. Back in October a court bailiff attended my house to deliver an AOE order for a debt that was named in the order. I filed my defence, providing the BK number, and heard nothing...until monday, when a letter dropped on my mat. This letter states that I need to…
Car and bankruptcy
I am considering bankruptcy as I have 25k of debt and struggling as a single parent. My major concern is losing my car..my car is worth £5,500. I live in a rural area and need my car for work and also my son has a condition where we need to attend hospital appts, hospital being a 8 hour round trip and another one being 4.5…
Loopy's Bankruptcy Journey
I'm 33 and I live at home with my parents. I moved out two years ago to try and get a better life in Manchester because I live in a small seaside town in Wales. Anyway, things didn't work out there because I was homesick and lived with a couple and I ended up running up more debts - when I already had some to start with.…
Keeping car
I live in scotland and will be possibly going bankrupt. The only asset I own is my car. I checked buy any car.com and its value is £5,500. I live in a rural area in the highlands and my work is 25 miles round trip so wouldn’t be able to get to work without it. Also one of my son aged 16 had to attend hospitals on a regular…
Bankruptcy and salary sacrifice car lease
Note: I haven't declared bankruptcy YET My work does a salary sacrifice scheme whereby I can lease an electric vehicle. Note lease, not own. As my current car is leaking and ancient I'm considering doing this which take maybe £400 out of my monthly pay before tax. Would the OR have a problem with this? (Would they even…
Debt in the UK when living over seas
I am originally from the UK and moved to Canada back in 2018, I had a property in the UK (sole owner) still but it was in negative equity so i rented it out with the hope that things would improve. I am now finding myself in a position where i can no longer afford to pay the mortgage payments. I have been informed bu the…
Advantis want to review my payment
I have yet to make a payment on my NT and council tax ipa and Advantis want to review the payment set up with the OR. They are insisting I provide my last two payslips but I pointed out that my UC was going to be reduced as a result of the NT tax code so that needed to be factored in. Is this normal? Is there any bonus for…
Utility, council tax and other debts included in BR?
We have been told to concentrate on priority rent first before anything else so have been doing that since the pandemic. we could just about scrape together the rent every month but have not had enough left over for utilities, council tax or any other bills at all actually. The end game in bankruptcy as with so many these…
Owed money in bankruptcy
I'm owed some money in a bankruptcy over £10k i'm a single mother who did a friend a favour and it backfired majorly. The person has delayed this for years, keeping their expensive house, car & international lifestyle going. They owe over a million and it's finally come to the crunch. A relative has bought out their…
Default Notice Timeline / 2 Months Breathing Space
In your experience how long does a default notice was issued from the first month you missed a payment? The reason I’m asking because I want to trigger the 2 months breathing space after getting the default notice because I’d engaged a solicitor to recover some money from the scam but it will take an average of 8-9 months…
When will my CRF be clean?
Hi everyone, I live in Scotland and filed for sequestration with the Accountant in Bankruptcy in 2018. This is the notice on my Transunion file via Credit Karma, can anyone tell me when this will finally be off my file? regards, M
Backdated PIP lump sum
I submitted my pip review in January and I have a interview date coming up but I went bankrupt in September. I am expecting an increase and some backpack. Will the OR take any lump sum even if it is paid for my disability?
NT tax code and UC
I am about to have my first pay with the new tax code. The new code means I will show an increased income which will reduce my UC payment. I only have a nt and council tax ipa. Do I still have to report this drop in income drop when it will make no difference to the ipa I have?
Bank Accounts
I’m getting prepared for bankruptcy and am wondering whether it’s better to set up a bank account just before or do it after? Which bank account is the best I have debts with Barclays, nationwide and the coop. Any suggestions ? Thanks in advance
Coast Finance removal of charge
Hi, I am pretty desperate, I have sold my property, but the solicitors have found a charge that was originally welcome finance and is now Coast Finance. I have evidence that this was settled, but the charge was not removed and I now cannot trace any contact information for Coast Finance. What can I do? as we need to…
Buying things for my bankrupt relative
Hi there Just wondering, I know that it's problematic to buy physical things for a bankrupt relative, or to give them money or cash, but what about if I pay for services for them, for example private medical treatment or a holiday? Is that safe? Thank you!
Money back after discharge of Bankruptcy
Does anyone know if its normal to get money back after being discharged from a Bankruptcy. My elderly mother was conned out of her life savings and ran up large credit card debts while the man who stole her money kept telling her he would pay her back. She declared herself bankrupt when i found out what was going on. This…
Bankrupt - British Gas Ignoring It
Not sure if this is in the right place. I recently went Bankrupt and all my creditors bar british gas have acknowledged it and taken the relevant action. British gas say they havent received the 2 notifications from the insolvency service (yet all my other creditors did). I have web chatted with them 3 times, they didnt…

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