-
Help! British Gas chasing debt ....confused!!
Hi all, I received a letter last week from British Gas claiming I owe them for outstanding Gas usage from 2014. Here is where I am confused.... Declared bankrupt May 2014, discharged 2015. The debt is from August 2014 to Feb 2015, however, this is for the property which was handed back to the mortgage company as it was…
-
Debt Solutions
Hi! This is the discussion thread for the Debt Solutions guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide. Thanks folks :) ,
-
IVA or BR?
Hi, can you tell me what would be best in my situation? My job would be ok if i went bankrupt (i could still use my company car - i dont own a car myself - just put personal fuel in) Just I do alot of overtime and would lose all in BR but may keep sum in IVA it luks like Thanks Statement of Affairs & Personal Balance Sheet…
-
Please help Scared
I seem to have got myself in a horrible situation and just cannot see a way out without getting myself and my family into even more trouble. Ill try to describe my situation... In 2009 i borrowed 18k (24k repayable) i already had 7k on credit cards. i borrowed the money to buy a business. The business never really took off…
-
Letter from Insolvency Examiner.
Hello, In 2018 I bought a car off someone as I needed something for work. Now last week I have received a letter from a Insolvency Examiner saying they know I bought the car asking for the following: 1) make, model, registration. 2) how much I paid and proof. 3) proof I have ownership of the vehicle. I have no problem…
-
Household Benefits and IPA
Hi, I have recently had my bankruptcy approved and had my interview with my OR. All went OK, allowed to keep the car and was told that I would hear about an IPA in due course. When submitting the application I naively omitted to offset my “other household income” (made up of children’s DLA £670, child benefit £270 and…
-
Does notices of bankruptcy still go in local papers?
Can anyone advise me if bankruptcy notices still go in local papers if it's just a normal simple case with no business links?
-
Using credit card to pay BR fee?
Morning everyone, I am struggling to raise the BR fee and am considering using my credit card to pay it but am I right in thinking this would be considered fraud? I have a credit limit of 5K and have used 3K and this company would be obviously part of the BR application. The only money I possess is 1280 in my current…
-
Limited company bankruptcy and private pensions
Hey, hoping to get some advice on behalf of a family member. Their spouse runs a limited company which is under threat of going under in a few months due to business debts. He is due to start receiving a private pension in 18 months' time, and is worried that bankruptcy will affect this pension. Does he need to be worried…
-
IPA Query
Hi, The OR has sent me out a letter saying I need to pay £X.XX a month for 36 months despite on the phone interview saying I will just need to pay the spare money from not paying council tax until April and then nothing after that. They have told me to sign the letter anyway and they can change the agreement in April when…
-
no BR shown on credit files
i asked in a stream of an other user questions / post and it was unanswered so i think here maybe the best place for it or, the BR forum (move if needed). somebody said the following "[FONT="]A credit check for renting only checks public information such as bankruptcy and ccjs. Defaults don't matter.…
-
NT tax code
I was bankrupt from July 2018-July 2019 and during that time had an NT tax code. I didnt have an IPA and I was never requested to pay my tax to anyone else, therefore have a surplus. I presumed by the end of the bankruptcy as I have been discharged then they wont ask me for it now. I work as an employee on PAYE and also…
-
BRO and discharge date
Hi everyone, I declared in Feb 2018, so due to be discharged soon. I've just checked my Experian report and it gives a discharge date of 2023. This is the date of the end of BRO, but I was under the impression that I'd be discharged from the bankruptcy after a year, and BRO would continue. Is that correct? My main concern…
-
Will I be bankrupt forever?
Good evening. I want to start by saying I was bankrupt nearly 12 years ago in April 2008 but am still nieve in a lot of aspects of what exactly bankruptcy means to me 12 years on and beyond. Almost 12 years after being discharged from the Official Reciever I have got my credit score back on track, succesfully obtained 3…
-
Advice
Firstly I just wanted to say a massive thank you to everyone for how detailed people's advice has been on other post and answered most of my questions. The question I now have is, I've been declared bankrupt two weeks ago and had a discussion with the examiner. He was very kind and said that my situation seems fairly…
-
Official Receiver doesn't charge you for claiming PPI
Right I have just got off the phone to the insolvency customer service line. They said I WILL NOT recieve any scary bills from the OR even though Allay hss got the ball rolling fot me to claim PPI, and Allay certainly won't charge me. Basically what happens is any successful claims on PPI sold to be before I went bankrupt…
-
Notice of first visit by the bailiff
Hi Everyone, We moved in to our house in December 2018, The house had be rented before we purchased it. We kept getting letters through out 2018 from HSBC asking for the previous tenant to pay the £2020.21 he's failed to pay. I have phoned the numbers on the letters and have told them that this person dose not live at this…
-
Court bailiff letter sent to previous address - not sure what to do?
Hi everyone, this is my first post. I'll try to keep it as brief as I can. I moved out of my parents house 14 years ago, I never had any debt linked to their address. On Saturday, a letter arrived for me at their house, it was in my married name (when I left my parents I still had my maiden name) It's from a court bailiff,…
-
Discharge certificate for mortgage
Hi All. My husband and I are in the process or (hopefully) buying a house. We have passed all checks so far for the mortgage but have now been asked to send our bankruptcy discharge certificate. I know we were automatically discharged a year to the date of the bankruptcy order but I cannot find the certificates, if they…
-
Filing
I am going bankrupt soon along with my husband but we owe money to our utility companies for water and electric as well as council for council tax and benefit overpayment, whose application do these go on as both names are on the bills?? Many thanks
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
