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Bankruptcy Website
Is there a website where financial institutions, credit card companies etc etc check your reference to see if you are telling the truth when you tell them you are bankrupt ??? Had a call tonight, gave them my reference and they said they would check it out now online ?
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Strange Letter
I received a letter yesterday showing sincere regret that i have been forced into bankruptcy. they then went on to offer to negotiate these debts to a satisfactory level, clear them all and give me easy payment terms so i can keep my credit rating !!! :confused: my credit rating is blown already, you do not end up in this…
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Help re car please
Hi to everyone,just a quick question when i went bancrupt i stated on my forms that i do not have a car which is correct as i do not drive yet. I have been having leasons and have my test booked for a few weeks time. If i pass my test i would be looking at diving my partners car but i am not sure of the implications,it is…
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Trustee meeting-Help?
I was declared bankrupt on 19/02/07.I was informed last week that trustee was appointed to deal with my case and he asked for a meeting. It’ll be next week at home. Does anyone know what type of questions who would be asking? I was hoping to be discharged soon but I won’t be probably. Any info is welcomed! Thanks
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time to jump?
thanks royal mail no cheques for work done, overdraft upto limit, ddm's bounce, charges rack up look out below, man falling!
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Tax demand
Hi Everyone, my OH is about to face Bankruptcy . Like many people here we have been stalling for a long time, enduring all the usual creditor bombardment , for years. With most we have set up paymnet shemes, but in reality we are never going to pay the debt . We have already lost our home in an attempt to pay things off,…
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Wife's Vehicle & My Banruptcy.
After discussions with the CAB I have decided, reluctantly, to start bankruptcy proceedings. My wife goes along with me on this but she has one reservation: She runs a sheltered housing complex as an employee of our local district council. She needs a car because she can be called on at any time 7 days per week to…
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Joint Debt & Bankruptcy.
On the advice of the CAB I am about to commence bankruptcy. I have one bank account (Smile) which is a joint current account with my wife but it only has about £80.00 in it. We also have a joint Smile Visa card account on which we owe about £7,000.00. The bankruptcy is solely mine. What will/should happen with these joint…
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Marking default debts as satisfied following discharge
Hi all, I’m new to the site, so sorry if this has been discussed before.... I filed for bankruptcy in 2004 and was discharged in 2005. I requested a copy of my credit history last year and it showed 6 or 7 credit agreements as outstanding defaults. I wrote to these creditors and requested that they be marked as satisfied…
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Early Discharge
Hi all I recently read somewhere (can't remember where though...) that I'd received ED. Just to clarify; this is not my lucky position. I *did* receive EDREV forms on the 4th Sept - maybe I've confused people by talking about them... Either way, I'm still a bankrupt, and I'm still loving it. :D I'm due to have an IPA of…
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On the road to Bankruptcy Mr-tonyc
Just an update to inform you all that we now have a date next week on Wednesday 17th for my Daughters Boyfriends BR petition.We have filled in the forms 6.27 & 6.28.The appointment had been made by telephone & I must say they were most courteous & helpful. The court has told us to bring three copies of the paperwork & £485…
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Sending £1 to get a copy of original credit agreement
Hi guys I sent my £1 and letter off to all my creditors to make sure that they can provide an original copy of the credit agreement. Moorcroft who were acting for Egg cashed my £1 and have written to me to say that they are no longer dealing and have sent the case back to Egg. This was 2 days after they banked the cheque.…
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Bankruptcy may be only option
Hi All, I feel that I am most likely going to go bankrupt. One of my creditors is refusing to stop the interest and has effectively doubled the debt. Did look at an IVA last year - not really appropriate. Talk about hard sell. So this is where all the double glazing salesmen have gone! My latest is to offer to sell the…
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Advice on bankrupcy pls!!!
Hi all i have debt £35k. We have a flat on shared ownership, 65% housing asociation, 35% me and my partner ,morgage for £65k outstanding £56k. Equity £9K only me going for bankrupt.Whats the likely outcome ?Are they gona force to sell the house? Many thanks
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Current Account For Discharged Bankrupt?
Hi this is my first post so please forgive me if asking a much answered question. I was discharged early from bankruptcy in August 2006. I was lucky enough to have a basic Step account with the NatWest where wages were paid into and direct debits etc. I asked about upgrading to a full account after discharge and was told…
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Bankcruptcy and your vehicle
Hi sorry i'm new to this and have posted this somewhere on the forum by mistake so thought i should put it in this section as well. After talking to a very helpful lady at the National Debtline we are considering bankcruptcy as an option for my husband but are worried about what we have been told about the vehicle we own…
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what should I do, please help, I've had enough
I have posted on here before and will explain my situation again. I am approx £45,000 pound in debt to 11 creditors. I have just had a baby. My first option was bankruptcy but 2 weeks ago I was made redundant from a job I had for twenty years! I have been given a small redundancy package of £22,000 (£16,100 for the actual…
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BR: time from first unpaid bill to being declared BR
Hi everyone, To summarize my situation, i got 30k in debt, most of it trying to start a new bussiness which went sour :-( ... At the moment i contacted some charities and they told me the way forward is to declare myself BR as my debt is from the failed bussiness, i'm unemployed and i dont have assets like cars or houses.…
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How long.........
(HI one and all, hope your all ok) ..................would it take for an OR to claim an asset(and i use that word loosely!), that at the interview they expressed an interest in? Is it something they would do quickly, and should it not be used in the mean time :confused: ? Also my child benefit for my teenage son has been…
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Its so damn complicated II
Hi everyone, after reading everyones contributions to this site for so long, im now going to take the plunge and ask for advice for myself!(Apologies if you've read this before, i accidentally posted it somewhere else-oops!) Ive got debts of £45k and hubby £40k. I thought i was managing fine as i have a good job and could…