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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…
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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…
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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…
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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…
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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…
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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…
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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,…
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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…
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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
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Money Judgement ?
Hi all I declared my self bankrupt in Dec'18 and discharged in Dec'19. Now, I just have been offered affordable housing from the a Housing Association. Housing officer sent me a long application form to complete via online. While, going through I found in the declaration form saying "Had any legal action taken against you…
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Barclays say I can claim my PPI
I'm a bit confused, I suddenly had all these letters from Barclays yesterday saying an independent company called Alley started the ball rolling for me to claim PPI on 26 different things like loans, credit cards etc I had over the years before I was bankrupt about 11 years ago. I rang the number on the letters, and they…
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Change in benefits and existing IPA
I went bankrupt around 18 months ago Currently pay £70 pm IPA Previous income Wages £530 4 weekly Working tax credits £95 PW DLA £330 4 weekly (high mobility, low care) I've just been moved onto pip and been awarded enhanced daily living and standard mobility which has increased my PIP benefits by around £110 every 4 weeks…
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Soa for Ipa purposes
Hi all My husband and I are both declaring bankruptcy next week and are worried about an IPA. I know we both have to go bankrupt separately but from what I've been told the separate IPA's will be looked at with our joint income is that right? I've done a SOA and would appreciate any advice I've not included all the debt on…
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Affording Bankruptcy
I've been trying all sorts of ways to raise money for the fees involved for my partner and I to go bankrupt, including setting up a justgiving page! But other than that, any advice? :)
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Dro and current bank account
Has anyone opened up a current bank account before a DRO and haven't had it downgraded or frozen? I'm currently with HSBC but they will be going down as creditors. I've also got a Co op cash minder account that I use for Bills only. ( I have no debt with Co op ). I have just opened a nat west current account but I've heard…
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DRO or DMP??
Right me again... I'm actually now unsure whether I should do a DRO. I've got a total of 5k in debt. It will take me around 5 years to clear at what I can afford on a dmp. Now would this be better than a DRO?? I guess that credit falls off 6 years after default. So wouldn't this be sooner than a DRO if I have already…
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IPA & Tax Code. What it means for me
Hello everyone I have a question about my tax code and paying an IVA. I currently earn around £360 per month working part time - when I filled out my I & E form, it was evident that I would be around minus £430 just to live so the OR told me that I wouldn’t need to let her know if I did overtime unless it was over £430…
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Debts
I am going to petition for bankruptcy soon due to spiralling debts but I can't work out how much I owe as most of my debts have been sent to collection agency so not sure how to find out, do I have to phone them, which I'm not too keen to do I've checked my credit report and they no longer appear on there. Any help welcome
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Bankrupt and Repo - Can we get a mortgage?
Hi, My husband had a repossession over 10 years ago and bankruptcy 7 years now. He now has an excellent credit score with no debts. I am slowly building up my credit score and am currently fair. He earns £45k a year and I earn £33k but have £15,000 loan. I did stupidly take out a payday loan a year ago. Would we be able to…
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CCJ 3 Years after Bankruptcy
Hello, I really need some help please as I'm a bit stuck and not sure where to turn to. I filed for bankruptcy back in December 2016 and was discharged in December 2017, 12 months later. Last week I checked my credit file and noticed a new CCJ was issued on the 31st July 2019 by the County Court Business Centre. I promptly…
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
7.3K discussions
41.8K comments
Most recent: Couple of DRO Clarifications Please by sourcrates
1 March at 7:21PM
