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Dept still showing
I went bankrupt in 2012 discharged a year later so we’ll out of it now nothing showing br on reference agencies at all but There is a debt showing for orange now it was included in banckuptcy but it’s still showing so need to get it of my reports does any one know how I can do it plz Many thanks
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Post BR credit file help
Hello wonder if someone can give me some advice. On Experian credit file on your credit report page you have 3 tabs for accounts, active accounts, settled accounts & default accounts. My creditors fall into the default accounts because of my bankruptcy, one creditor is still in active accounts showing as default. My main…
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Bankruptcy Scotland- help
I’m really not sure what to do. I’m in Scotland and the account in bankruptcy has outsourced the administration of my sequestration to a third party. I had an initial interview with someone who sounded like they were 12. It did not feel like a proper interview. It sounded like the person was just doing the call as a tick…
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So confused, what shall I do?
Hi, I am in my mid 40s and recently separated from my wife. We had around 50k of manageable debt (loans and credit cards) in my name. She left 6 months ago and I am now sinking financially. Should I go through with bankruptcy? I have read up on it and it seems like it would relieve a lot of stress and worry for me but is…
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Scotland options
Hi I’m in Scotland with £33k debts income is £1900 a month after SOA I have about £340 disposable income a month for debt . I can’t decide whether to do a trust deed or debt arrangement scheme . Anyone any advice
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Sold car 8 months ago now creditor wants me bankrupt
Hi I have been very stupid with money over the last 5 years resulting in owing around 90.000 pounds on credit cards and unsecured loans I stopped paying these a while back Now I have had a letter from one of my creditors wanting to file for bankruptcy .I have no assets I did have a car 8 months ago that I sold to my…
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SOA Questions
Hi there, I’ve been looking through the SOA and have the following questions: 1. Do I have to put my husband’s earnings or can I simply leave him out of the whole thing and input half of my share of bills/rent rather than the whole amount? 2. Does the OR look through bank statements to Check that amounts stated are…
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Wages being paid into husbands account
I’m gradually getting things lined up to prepare for bankruptcy probably in the new year but not 100% yet. My husband and I have a joint account with no borrowing facility. We have both decided to have our wages paid in to our joint account and pay ourselves ‘pocket money’ out of it. If I go bankrupt I would plan to remove…
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Car and bankruptcy
I owe a lot of money and Eventually Im sure my creditors will file for my bankruptcy. I have a car I’m registered to on the vo5 but the owner of the car is my Dad who name is on the Sales slip /invoice as the buyer But part payment came out of my bank a year ago to the car dealership. Basically I owed around 17 k to my dad…
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HELP! Student & Self Employed - going bankrupt
Hi, If anyone could please help me with a few questions, I would be so grateful! I've done my best to research this as much as possible but I'm still really stressed out by not knowing what exactly is going to happen once I file for BR! I'll try to keep this brief - basically, I have managed to get myself into a rather…
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Discharged - Bank Account
I'm recently discharged from bankruptcy with no IPA. I've posted another thread on here with my story in hope it may help others. I have a question of my own though: I currently have a CashMinder account with Co-Op which I had prior to bankruptcy and was kept open. I've used this throughout the year as my main account…
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Please Help ADVICE
Hello, Im in a bit of a tricky situation and needed some advice. I have a wife and child aged 7 and currently in a IVA 1 year in. I have 2 months left untill i leave the Army which means i have to move from the Army house. I currently pay £500 a month for IVA but i know my next job i wouldnt be able to pay this. By the…
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Discharged - My Story
I'm a long time lurker of this forum and the posts certainly helped me when I was deciding whether bankruptcy was the best option for me or not. I'm now a year down the line and discharged from my bankruptcy so I thought I'd post my story in the hope it may help others. I'd amassed an unbelievable unsecured debt of £44,000…
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A couple of questions now I'm discharged.
So, I'm finally discharged with no IPA. I've learned a lot about budgeting over the last year. I've got a couple of questions: * I've been accepted for a Vanquis card (to rebuild credit), is there anything else I should be doing to get my life back on track? * I'll be looking to rent in the next 6months-year. Will I have…
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SOA Help please
Hello everyone Im hoping you can offer me some advice on my SOA. I have spoken with the National Debt Helpline and they have advised that bankruptcy will be the best way forward for me. My debts have accumulated over the years slowly, mostly things for the children when I was training, but now they are spiraling and I have…
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Sequestration assets
Hi, been trying to find info online but haven't been able to. So got myself in a bit of a mess, a debt of about £30000 to British Gas (micro-business account) it was a mistake where the payments were going to the wrong account etc, tried solving it with ombudsman but no luck, still a debt of over £30k. I cannot afford to…
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Bankruptcy & Tax debts/fines
Hi all After a turbulent few years where I have just let things slide, due to numerous reasons that I do not really want to go into here, I will be going bankrupt. I have not completed my self assessments for the last couple of years, I know this is unacceptable and not fair but as I said I have had a lot going on so I…
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Bankruptcy
Hello, long story short.....my mate has 2 loans, one from Barclays 35k and other from Tesco 20k...both under my address(only find out because received letters).....he decided that he will declare himself bankrupt and do a runner with money abroad.....my question....will his stupidity effect in some way my credit score? Do…
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Bankruptcy and phone contracts
Hello, I am about to declare bankruptcy and I currently have 2 mobile phone contracts for myself and my daughter in my name. I am in default with both and can no longer afford to keep up with the payments. I still have one year left on both. My question is can I include these in the bankruptcy?Thanks in advance.
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Addresses for credit file clean up
I was discharged in July 2017 and am currently trying to clear up my credit file. Does anyone have the addresses i would need to write to for Next Store Card and Lloyds Bank for current account and personal loan? I have looked online and have found several different addresses. TIA