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Lowell and credit file clean up
Hi! Just wanted to let you know that I have managed to get Lowell to remove defaults for my accounts. I have beed discharged in May, all creditors apart from Lowell promptly marked me as Partially satisfied/Satisfied. I have written email to Lowell requesting the same, but got response that they still would not remove…
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Bankruptcy advice needed
I've just received a high court writ from marston on behalf of eon who I desputed a bill of over £600 in just 3m of living in my then new home. After fees from another debt collector, ccj and now this I now owe almost £1100 . I also have some other debts shared with my ex husband. Marston are coming to my home in 11 days…
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IPA and overtime
Hi all, when my bankruptcy “journey “ began (end of 2017), and IPA has been signed, I have asked very clear OR should I inform them / CW about overtime if any will be. I got answer by email exactly like this: “As I have previously stated, you are required to inform CW of any permanent(in bold!) changes to your income “…
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Moving abroad while bankrupt?
Hi Everyone! I'm relatively new to the site, but after a month of consideration and research it appears that Bankruptcy is the best option for me due to to my debts being so high. As I am still quite young and have relatively few assets it should allow to me start of fresh with a clean state, as there is realistically no…
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9/10 years post bankruptcy house repossession
Hi all I'm back again nine years post bankruptcy:sad::question: I won't go in to the saga again, well just briefly. My ex husband went B/R in 2009 leaving me with a little over 1 million pounds in debt (two houses one in spain the other the FMH in the uk) The OR basically messed up as my ex was renting out the FMH and…
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A Few Questions Before I Press Submit
Hi Guys long time lurker I am about to the jump of faith, after putting my head in the sand, I am going to do what I should have done awhile ago. But i have a few questions, around the online form, on the income and expenses section. Firstly on your salary section the overtime, do you have to declare overtime only which is…
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Ex partner gone BR
Hi, I'd like to get some clarification on a situation my friend finds herself in. She is seperated from her ex and has a divorce decree nisi. They owned a home together, but since the split, she's been paying the mortgage herself and her ex has been obstructive regarding agreeing to her taking over the property and…
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Bankruptcy 1995 - issues
Hi I posted here a few years ago. My dad was made bankrupt in 1995. When he was 66 (4 years ago) we had a letter from Wragg and signed over the pension. Fair enough as we know the rules were different pre 2000. Now, he's 70 and he has received another letter from Gowling WLG this time, about the SAME pension - apparently…
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Statutory demand
I have two questions on the bankruptcy. What happens to a statutory demand when a bankruptcy hearing is vacated? Before hearing date. Is a statutory demand valid if it's not signed by solicitor or the creditor but by a debt collection agent?
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Bru orders
It looks certain I am going to be giving a bru after my last meeting 2-5 years, I have looked up on the what the extra restrictions are, what I cannot see is if I plan to leave the uk does the order remain the same so outside uk if I apply for credit over 500 I still have to inform them about my uk order? Also I read that…
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DRO and tenancy referencing
Answered..
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IPA and bank statements check
Hi all, just quick one ! If bankrupt has calculation for expenses , and let’s say, it has been allowed to keep £1000 to pay for everything, and IPA set up for rest £200, official receiver can /have a right to check bank statements and to say-you have said you spending too much on food, for example? my point is if there are…
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Account marked as Bankruptcy - what should I do?
Hello all A bit of a long one, so please bear with me. In 2014 I entered into an IVA due to mounting debt (my own fault) and an inability to keep up with repayments. Around 6 months later due to a worsening financial situation, my payment failed and the IVA was cancelled. Since then, most of my creditors have got back in…
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Court order
Hi all, and thanx in advance for your help So I had a charge against my home by my previous business partner. I managed to get a court order for its removal. Hunky dorey. I submitted it to land registry, but the other party is appealing it. It’s been almost 3 months since I submitted it, and land registry will tell me…
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Trust Deed Ending
Hi, I'm currently in a trust deed which has three payment left on it, but i'm struggling getting any meaningful information about what happens when i make the final payment. The company administering the trust deed has changed at least three times during the term and the current ones are the least helpful. I've asked three…
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Business accounts for ex-bankrupts
Hi all, haven’t posted for a while I was discharged just over 2 years ago from bankruptcy I have recently incorporated a limited company and i am looking for banking services, both banks i have spoken to (barclays and starling) have said they do personal credit checks (expected) and this may impact whether they accept the…
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Notice of default?
Hi My Bankruptcy was approved in August, then this month a received a letter from Yorkshire bank saying I was in arrears by £13.42. They have given me 28 days to pay this. I spoke with someone at citizens advice, that told me to ignore it. I’m paranoid that someone will knock on my door wanting the money. I’m not sure…
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I do not have the £680 to pay fee for bankruptcy....
Hi All £27,000 credit card debt and no money to pay fee of £680 to declare bankruptcy.... My life turned upside down when my 44y old dear Wife got diagnosed with grade 4 incurable brain cancer called Glioblastoma Multiforme in September 2011. She was given a life expectancy of 15 months. She is still alive 8 years later…
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IPA and Nil tax code
Hi I went bankrupt in 2010 I have now out of the blue received a Tax Demand for over 4000.00 pounds. The HMRC will only tell me it’s in conjunction with my Bankruptcy. I paid the tax from my wages straight on top of my IPA as instructed by Moonbeever and the OR until the following April when my Nil Tax code reverted to…
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A Right Mess
Posting on behalf of a friend, My friend has suffered from BiPolar for over 20 years,,, During this time she has been Bankrupt twice, both times her credit record has cleared and then she has had almighty blips and got her hands on Credit Cards always meaning to not go into debt but she does, This time she has maxed out…
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
