Thank you

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jules23958
jules23958 Posts: 103 Forumite
in Bankruptcy & living with it
I just want to say thank you to all you 'experts' - I went bankrupt on 4th April 2007 and my bankruptcy was ended on 6th October after 7 years of worrying myself silly about all the credit problems. I am still left with a car loan with a shark to deal with and my student loans but at least things are now manageable. Without this site I am sure a lot of people would top themselves.

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  • jules23958
    jules23958 Posts: 103 Forumite
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    oh, forgot to say BT are STILL trying to get their money from me and the Inland Revenue for tax credits but other than that everyone else has been silenced.
  • wok_boy
    wok_boy Posts: 759 Forumite
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    Erm wouldn't your car loan have come under the BR?
    BR 4/10/07
    ED 11/04/08

    BSC Member No 93
  • rog2
    rog2 Posts: 11,650 Forumite
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    Hi jules - it seems as though you are finally getting your life back - well done.

    Hopefully you should be able to tell both BT and HMRC (inland Revenue) exactly where to go.

    Good luck for the future.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • Homework
    Homework Posts: 349 Forumite
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    I thought Inland Revenue debt still had to be repaid - is it written off too?
  • Homework
    Homework Posts: 349 Forumite
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    Good point, I thought there was something about overpayments not being written off but I think I must be thinking of CSA
  • fermi
    fermi Posts: 40,546 Forumite
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    Homework wrote: »
    Good point, I thought there was something about overpayments not being written off but I think I must be thinking of CSA

    Tax credit over-payments are complicated.

    See: http://www.insolvency.gov.uk/freedomofinformation/technical/techmanvol1/Ch73-84/Chapter77/part7/Part7.htm
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • jules23958
    jules23958 Posts: 103 Forumite
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    Blimey, I hope they don't come after me for that - it was one of my main reasons for going bankrupt - I was so livid that I should have to pay for something that I had requested help from their helpline with - then got penalised for having done so.
  • jules23958
    jules23958 Posts: 103 Forumite
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    In response to the car loan - I was allowed to keep my car for work purposes but as it was on hire purchase I still have to continue to pay that sum regularly.
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