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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
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BR questions
2 part Question please 1. one of my creditors has applied for a CCJ. I completed the paperwork and left a surplus of around £30. This has been rejected and the judgement has come back at £250 per month. I really can’t afford this. I may have missed the deadline to appeal though due to being away when the judgement landed…
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IVA or Bankruptcy
Hi looking for a bit of advice,, please help. I have been struggling with my debt for a few years and made things worse instead of better. Samaritans have helped me a lot as i was thinking of just ending my life at one point, still do if being honest. I have 3 credit cards, 2 loans and a catalogue account. I had the one…
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Please start your own thread
Hi everyone as we see to have a lot of new posters at the moment..may I suggest you start a new thread instead of tagging onto someone else's. It gets very confusing for us to advice different people on the same thread. We are happy to help but we might miss you in the confusion.
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Finding out about bankruptcy
Hope you folks can advise, a tricky domestic situation. I have discovered - the hard way - that my significant other is/was made bankrupt in 2015, a sheepish declaration shall we say the other evening. No further information was forthcoming as I think the discussion hit a raw nerve and I really didn't want an argument…
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What website to start?
Hi what website or link did you go on to pay and start your bankrupcy
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When will an ipa be set up
Evening people decided to submit my bankruptcy form today after thinking it over think it's the best decision now have a few questions When and if the or asks for an ipa when will he ask about setting it up and when will the or ask to see mine and partners bank accounts only asking about partners as she gets child…
