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BR and Council Tax Arrears
Firstly for context I will be submitting the bankruptcy application on or around Sunday 2nd or Monday 3rd December. My local council in their infinite wisdom have decided that I haven't paid my council tax properly (I was £12 in arrears) and as such cancelled the payment agreement to pay monthly up until the end of the tax…
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Advice needed
I was awarded sequestration (I’m in Scotland) 2.5 years ago, discharged 1.5 years ago. Looking back I think I naively went ahead with the sequestration as I was so in debt with no way out and thought it would be the answer to all my problems. It wasn’t. 2.5 years on, I want to get on with my life but everything from…
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Pension Bankruptcy before 2000
Here is the basics: I started personal pension plan in 1988. Due to good old 15% interest rates I gave up my house and took personal Bankruptcy in 1998. I submitted everything to the official receiver including my pension. 3 years later, bankruptcy ends and my pension documents and bank accounts returned to me with no…
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Finally Going Bankrupt
Hi All It's been a long time since I've posted on these boards as me and my partner decided back then (about 4 years ago) to try and fight our debts with a DMP. Due to a rather disastrous 12 months (my wife's freelance earnings declined dramatically and also we got served a section 21 notice and had to move house…
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Query
Creditor threatening stat demand for debt. I have asked for confirmation of the debt as what they were asking for was more than the original debt. They hsve replied but the interest is extremely high that they have added and as t&c says only 3%above boe rate, it seems high. So i am disputing it again. However, what are the…
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Cabot
Hi I was made bankrupt in august and today recieved a letter from marbles saying they had sold my debt on to cabot, included in the envelope was a letter from cabot saying that they have brought the debt and are now responsible for managing my debt, it goes on to say they are aware of the bankruptcy against but wish me to…
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SOA help
Hello, I've received an IPOQ just after discharge due to IPA agreements. After recent discharge, I still have another 2 years of SOA's. Originally I had done my SOA with my trustee over the phone, and there was some things too high in places and others too low. Forward thinking I wish i had made a note as I am struggling.…
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Advice needed
Don't even know where to start 😔 our debt problems started when we were young and naive, credit was given to us so easily and as a young married couple we happily kept accepting. Unfortunately we soon started to struggle to keep up and eventually resorted to using credit for day to day living. My husband then lost his job…
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Iva complete 4 year ago, PPI now given to IVA company
Help needed please I had an Iva from 2011 and completed in 2015. My original debt was £12,400, and the IVA company asked me to check for PPI which was claimed back and they received this in 2015. The total amount paid to the IVA company from myself and the PPI was a total of £15,136. I received my completion certificate…
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Advice and Help Please
Hi All, Really desperate for some advice. I have a debt to a school for non payment of school fees. I have a long history with the school. When we first started struggling with payments we approached the school and asked for help (having previously been there for 3.5 years). Unlike other schools in the area, they at the…
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Credit File Clean Up - what address do I send the letter to?
I was discharged a month ago and am now in the process of cleaning up my credit file. I have all of my account numbers and creditors letters typed up with bankruptcy order and notice of discharge ready to go. I have tried Googling "[creditor name] data controller officer address, but have not had much luck. Do I just need…
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Automatic discharge tomorrow
Hello, Can't believe how quick that year went! I just have a couple of queries.. I am discharged from bankruptcy tomorrow 12th November. Obviously I'm not expecting anything other than a normal day. Originally I did sign an IPA of £50 per month, however, I didn't end up making payments due to changes in circumstances and…
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Car insurance advice
Hello! Just abit of advice to give people that I never thought about until now. I was declared bankrupt on November 12th 2018, so with only 6 weeks to go, it's gone quick and haven't had many issues. I had an email from my car insurance company, who I've been with for years, driving for 10+ years and 9years NCB. The email…
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Please help:(
Hiya all, I wil try and keep this short and sweet. Me and my husband are in bother financially he recently left is work 6months ago to be a carer for our 3 years old who is going through autism. We have tried to sell our house but it will not sell to try and help us out of this financial mess. We owe 138k and the house is…
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Secured loan not on credit file
Hi -could anyone advise We had a business (ltd company) which closed in 2010 and as a result we declared bankruptcy in 2011. Everything went 'smoothly' -we used CAP, then an Insolvency Practitioner and finally the OR was involved. We were discharged from BR in 2012 and got to keep our home by buying back the interest in…
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Sainsbury’s Bank Continuing to Register Late Payments with CRAs Despite Bankruptcy Order
I’m currently ten months into a bankruptcy and have recently been made aware that Sainsbury’s Bank is registering ‘Late Payment’ against me with the credit reference agencies every month. This follows on from them continually writing to me after the order was made demanding payment etc. When I called them to ask them to…
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CCJ on credit file post BR - help!
Hi all I am in the process of opening a business account and they have come back (after their searches) enquiring into a CCJ on my file-asking whether this has been settled, was it part of the BR etc? It was part of my BR but on my file it doesn’t list it as satisfied-although clearly pre-dating the BR- I am not sure how i…
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Do I need to change details after discharge?
Morning all I was discharged from my bankruptcy on 22nd August this year. I’ve since changed addresses. Will I have to change my details with the OR? Or do I just leave it? Thank you :)
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Considering bankruptcy for the 2nd time
I am considering going bankrupt again for the second time and would like to know how this would affect me again going forward. I declared bankruptcy in 2011 and was discharged in 2012. Thanks
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Travel expenses
Hi, Soon I will have to start travelling to work but my work pay me travel expenses separate to my normal income to cover the cost, is this something that is likely to be claimed by OR ?
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
7.2K discussions
41.6K comments
Most recent: Hoping to apply for a DRO by sourcrates
15 August at 2:19PM
