Bankrupt but found an insurance

Trigger8186

Hi, I'm really new to this so please bare with me!!

I have a question which I'd really love help with. Basically, back in 2005 my long term partner was killed. I had a loan and credit card (both in my name) with a combined debt of £15k. It was a debt that we both had part of and both payed back, but obviously after he died it was mine and mine alone. Things seemed to spiral out of control financially for me after he died and despite my efforts I ended up going bankrupt in 2006. A decision which I have regretted ever since. I feel that not enough information was given to me on the future impact that this would have on me.

I have recently found some paperwork which confirms that I had a loan insurance (the loan was with EGG). I'm currently unsure of which insurance I had with them, but the one I think I had states that in the event of my or my partners death £5000 would be paid out. So my questions are:-
1) is there a way of finding out which insurance I had with them?

2) if my memory is correct and I did have the insurance I mentioned, is there anything I can do? Back then £5000 would of taken a third of my debt away and things could of been so very different.

Any help would be so appreciated.
Thank you.

fermi

I'm afraid £5K would not be enough to do anything about your bankruptcy and it would claimable by you OR/trustee even after all this time.

Sorry to hear about your loss and what you have been through, but I think it's best not to drag this up as there is no benefit in it.

Trigger8186

Thank you for your answer. I understamd what you are saying. Probably best left alone. Obviously very frustrating. A £10k debt sounds and would feel easier to handle than a £15k one.

I'm currently trying to get a right to buy mortgage with my partner who has an excellent credit rating and its proving to be a bit difficult with my financial history. Won't give up though.

Thanks again!

tigerfeet2006

Have you cleaned up your credit files?

Trigger8186

Do you mean as in my credit report? If so then yes I have. I'm in the "good" section and working hard to improve it further. I'm so much better with finances now than back then. I wish I could go back to that time and give myself a good slap and talking to :mad: