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Bankruptcy

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Hi

I have previously declared bankruptcy and have been discharged for 6 years
now. I spent years speaking with the insolvency service, debt advisors etc to ensure that I was making the correct choice for me. The main debt was a legal aid debt which I had signed to a Statutory Charge when my legal aid was completed. My legal aid was completed after my bankruptcy and I assumed had been included as the insolvency service helpline had stated this would be included. Until I received a letter from the land registry 18 months later stating a charge would be applied to my property (which was in negative equity but I had held onto following divorce.) When I challenged the Official Receiver, land registry online helpline, legal aid agency, I could never find an answer just that it was never included. Could you point me towards anyone who could answer why this wasn’t included, other than the three agencies above as they couldn’t tell me and it is like being passed from pillar to post. Thanks in advance.

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  • sourcrates
    sourcrates Posts: 29,034 Ambassador
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    dmcw said:
    Hi

    I have previously declared bankruptcy and have been discharged for 6 years
    now. I spent years speaking with the insolvency service, debt advisors etc to ensure that I was making the correct choice for me. The main debt was a legal aid debt which I had signed to a Statutory Charge when my legal aid was completed. My legal aid was completed after my bankruptcy and I assumed had been included as the insolvency service helpline had stated this would be included. Until I received a letter from the land registry 18 months later stating a charge would be applied to my property (which was in negative equity but I had held onto following divorce.) When I challenged the Official Receiver, land registry online helpline, legal aid agency, I could never find an answer just that it was never included. Could you point me towards anyone who could answer why this wasn’t included, other than the three agencies above as they couldn’t tell me and it is like being passed from pillar to post. Thanks in advance.
    Try posting on this sticky thread, it is regularly answered by a land registry rep -

    https://forums.moneysavingexpert.com/discussion/1839539/charging-order-the-myth#latest
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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