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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 ?
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IPA query
I am just over midway through my bankruptcy year. I am self employed and when I completed the income and expenditure form my household was way below what we needed to cover our outgoings and I mean hopelessly below. I stated then my income would go up and down due to nature of it. We have largely plugging the gaps with her…
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New self employment advice please
Hi all, Has anybody here become self employed during bankruptcy? Me and my husband went bankrupt back in March. Straight forward and no payments required. After struggling to find work after redundancy in august has made the decision to go self employed. Would also be on the CIS scheme. He was self employed back in 2013.…
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Bankruptcy discharge advice
Hi. I am due to be discharged from bankruptcy in about a month's time. I wasn't put on a payment plan at any point during the bankruptcy. I was thinking about temporarily working as a deliveroo courier to put a modest amount away for Christmas and to build a bit of a savings buffer. If I were to start soon then I wouldn't…
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Not sure what to do
I am new to the forum and after many sleepless nights and worrying I feel that bankruptcy is eventually going to catch up with me. Long story short (please bear with me) - I'm a contractor who works through a Ltd company who has been trying to juggle unsecured debt for many years. I'm currently separated from my wife and…
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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…
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
