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Timescale
Morning people Can I ask about timescale I was made bankrupt on the 17th Feb had phone call from examiner on the 21st Feb sent forms back a few days later haven't heard anything since is this normal? On letter from or it said didn't need another interview but might get a questionaire does anyone know how long that can take…
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newly discharged
hi all I was discharged couple of days ago and want to ask what now? will I get any notification via email or phone call? will I hear from anyone again? I had my interview with the bankruptcy people last year then not heard anything ever since. is that it? do I just "crack on" for next 5 years before my credit file…
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Do I suck it up and opt for BR if my creditor won't budge?
Long story very short, I've just been landed with a Stat Demand for £33k by a single creditor. Not a financial institution/gambling/retail. just a legal bill I can't settle. I've already tried to make appreciable payments towards it (was originally £45k) but they've failed due to irregularities in my self-employed income…
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Best IVA Company
Good evening everyone, Please could you help me out with your experiences of different IVA companies. I don’t want to choose a cowboy untrustworthy company. Thank you.
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To default or not
Hi guys, i could do with some advice. I've been given the option to default on one my credit cards because it has become very difficult to keep up payments. I have spoken to the credit card company about it and that I suffer from mental health problems. I'm currently barely making the minimum payment and due to my credit…
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Bank Account Question
I am preparing to go bankrupt - once I have saved the fee - and I have already opened an new bank account with the Coop and moved my salary there and all of the essential direct debits. If once I get paid i press the button on the application - and there is money in the coop account (to pay for the essential dd's - rent…
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Frozen bank account
Just wondering how soon after getting the BR order email your accounts are frozen? Thankyou
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In limbo
So I submitted my application, had a response back on the 5th saying approved and since then nothing. I'm still getting payment demand letters, emails, texts from creditors. Which I'm not stressed about as I've personally seen my name on the insolvency list. So I know it's real. My current account is still active, it's on…
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Lack of contact
I'm a bit concerned about the lack of contact I've had from the OR since I was made bankrupt in June 2019. I originally signed a council tax and NT code IPA, but this agreement was only until Jan 2020 which has now passed. My tax code from work has not changed to NT and I have had no contact instructing me to pay the…
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Lowell - Credit File Clean Up
I was discharged from bankruptcy in October 2019. I'm trying to clean up my credit file and Lowell are showing that I have 2 open accounts with them. Both show a default date going back to 2015 but they both show as 'open' and have a balance next to them. I contacted them via email to close the account and update them and…
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My bankruptcy & the affect on my wife - Halifax have issued a default against her!!!
Hi everyone. As the title suggests, I have recently been declared bankrupt. So far it's been totally fine and actually quite a relief but we recently found out that Halifax has issued a default notice on my wife's credit file because of our joint account. They did not get in touch with me (or her) to discuss this or ask if…
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Shall I wait for dds to come out?
I was going to go bankrupt today after getting my benefits paid today so I have withdrew enough money to live on if bank account gets frozen. But rent and two other big direct debits come out the 21st. Shall I wait for the 21st or if I do my bankruptcy today would my account be unfrozen by the 21st so the direct debits…
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Bankruptcy question
Just a quick question if or asks to see wife's bank account and some of the figures aren't right what happens i put in email that I spent money on the kids and a few days out before bankruptcy but looking at wife's account the money is all over the place and it doesn't really say that it was just on the kids will this…
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After interview and forms
So had interview with or Friday afternoon and everything seems OK so my question is when do they ask for bank statements and soa set up and how long do you wait to get a reply by email from insolvency ? Many thanks
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When will a IPA start
How longer after you submit the bankrupcy forms will a IPA come into action if theres surplus amount left for one?
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Bankruptcy worries
I submitted my form on Friday and I’m so nervous about the phone call from them. Mainly because while on a dmp I was still using and paying for clothing etc on very, I have also been paying an amigo loan as I didn’t want them to contact my partner as he is my guarantor for payment, also I got a payment from wonga and I…
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Forced Sequestration
Hi I have a cite for a forced sequestration on the 13th March next Friday. I have been to CAB and the local advice shop who have all been unhelpful. This is for council tax for £6.5k. I had an agreed plan which lapsed, berried my head in the sand. This has resulted in this court date. I am a home owner(shared equity)…
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Money left over for IPA?
I have just worked out all my expenses and overdrafts and at the end of the month I am left with £182 would I have to pay something towards a IPA? Thanks
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Yep...it's yet ANOTHER bank account question
Ok, I went BR on the 12 Feb 2020 and received copies of letters sent to my bank accounts (Nationwide and Barclays) 2 days later, stating that the OR was not interested in the accounts and any monies in the account belong to me. Now I'm very eager to get my budget in place and start organising my income/outgoings, but I…
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Debt relief order
I have debts of £28,000 can I apply for a debt relief order
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
