Ask a CCCS counsellor a bankruptcy question

System

Tigger2808 wrote: »

Hi Mat

Thanks for the reply. I've now completed Debt Remedy on the CCCS website. Do you know how long it usually takes to get a call from CCCS after completion?

Hi and thanks for your reply.

It would depend on what advice was given; if you’re unsure give us a call on the phone number emailed to you after you completed Debt Remedy.

Well done on taking the first step.:j

I hope this helps.

Kind regards,

Mat

System

newleaf wrote: »

A colleague has been bankrupt for just over 12 months. She has been off work due to illness for 6 months, and is about to go onto half pay. She will be unable to pay her bills as well as to make the monthly bankruptcy payment. Can I help her to negotiate on the bankruptcy payment, and if so how do we go about this?

Hi and thanks for your message.

I can see that you’ve had some good advice already.

Your friend would need to update the Official Receiver who is dealing with her bankruptcy.

The OR would need to look afresh at the situation based on the change in circumstances. The most important thing is that your friend can pay all priority bills.

I’d recommend calling the OR as soon as possible.

I hope this helps.

Kind regards,

Mat

System

amstel2 wrote: »

Hello

Is it true that my BR rec will stay on public record forever in the London Gazzette.

I have checked all my BR paperwork & their is no mention of this. I was told it only stayed on record for 6 years. If ths is true, then i was def mis-informed by the Insolvency Service & the court at the time.

If this is true surely this contrivines Data Protection & Human Rights legislation.

Thanks

Hi and thanks for your post.

The London Gazette records official and regulatory legal notices throughout the UK.

If you feel the court didn’t inform you of this I’d recommend that you take it up with the court in question.

I hope this helps.

Kind regards,

Mat

debtinfo

amstel2 wrote: »

Hello

Is it true that my BR rec will stay on public record forever in the London Gazzette.

I have checked all my BR paperwork & their is no mention of this. I was told it only stayed on record for 6 years. If ths is true, then i was def mis-informed by the Insolvency Service & the court at the time.

If this is true surely this contrivines Data Protection & Human Rights legislation.

Thanks

Hi Amstel2, i am going to have a bit of a rant here, it is not directed at you but your post highlights something that annoys me a great deal. It is the general thread that runs through society perpetuated by certain lazy and missinformed articles and programmes that leads people to wave around their "rights" without ever going into details what the laws actually say that supposedly give them those "rights"

Take for instance the Data Protection Act, if you believed the common view that is banded about, this law means that no person company or government department can ever do anything with any piece of information in any way shape or form ever. That is simply not true. What the data protection act actually does is catagorises the different types of data that could be kept about you and tells the differnt types of information holders how they should deal with that data, how long they should keep it for what they cant do with it and crucially it also says what they can do with it.

In particular for this case it specifically says that certain data is exempt from certain rules if it is being kept or published in accordance with another act of parliment such as the Insolvency Act which governs the rules in bankruptcy.

Anyway, rant over

maxine877

hi i was declared bankrupt in jan 2011 i am since discharged. i checked my file with equifax and some of my defaults/debts were not updated and still show as owing. i have contacted the companies and updated them and they said i should contact my OR and get them to sort it. i have no OR any more as i am discharged. equifax have since moved two defaults to my current address but have not settled them or quashed them like the others have been. i have sent relevant docs to the companies but nothing has changed. any ideas on how to rectify?

mysterio_2

The companies sadly are talking out their rear ends


have a read here for starters

https://forums.moneysavingexpert.com/discussion/677875

gerturdeanna

Have previously had a CCCS DMP - CCCS stopped the plan due to me 'missing' payments - have been trying to self-manage but would prefer to be back with CCCS - Others won't help as don't owe a lot anymore - can I go back to CCCS?

k2cat

KPR booboo, loan settlement for £0 mistake
I have a £25000 loan that KPR (debt collection agency) is trying to settle with me. They offered to settle the debt for £6200 but on receiving the paperwork they have made an error stating that I must pay £0 to settle the debt and for my account to be closed. My question is this. Do they have to honour the agreement at £0 or am i still going to have to pay £6200? Any advice would be appreciated. kind regards K2

Jesca

I was declared Bankrupt in July 2006 and discharged in July 2007 after my business failed and I was left with around £30,000 worth of personal debt.

Since 2006, I've successfully lived within my means and have been very careful not to damage my already damaged file. I successfully got a NatWest Current Account (with help from a very kind employer) in 2008 and have no debt of any kind. No mortgage, no credit cards, no overdraft. I have subscribed to Credit Expert (Experian) and have been cleaning up my credit report and have now been reading advise and help on this website which has been hugely helpful.

Two and a half months before the Bankruptcy and Bankruptcy Discharge is due to be removed from my credit file (July 2012), I would like some advice on how to start getting my life back after 6 years of none existence?

Do you have any advice for Bankrupts in the latter stages of the 6 year recovery? What steps should I be taking to rebuild my credit file? Should I seek a specialist bankruptcy adviser and where are these angels!? I am newly living with someone who has a perfect credit history. How can I do the right thing by him and build my credit worthiness without adversely affecting him?

From what I have read, one way to start is to get a credit card. I applied for a Capital One credit card in August 2011 but was turned down. I am reluctant to start applying again as I know these refusals are recorded on my credit file therefore damaging it further. Should I wait until my Bankruptcy has been removed from my file or should I apply now?

Any advice or help would be gratefully received.

Yours faithfully,

Jesca

System

maxine877 wrote: »

hi i was declared bankrupt in jan 2011 i am since discharged. i checked my file with equifax and some of my defaults/debts were not updated and still show as owing. i have contacted the companies and updated them and they said i should contact my OR and get them to sort it. i have no OR any more as i am discharged. equifax have since moved two defaults to my current address but have not settled them or quashed them like the others have been. i have sent relevant docs to the companies but nothing has changed. any ideas on how to rectify?

Hi Maxine877 and thanks for your post

As Mysterio mentioned the link below should explain all about how to resolve this situation.

https://forums.moneysavingexpert.com/discussion/677875

I hope this helps.

Kind regards,

Mat