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  • FIRST POST
    • MSE Andrea
    • By MSE Andrea 5th Nov 12, 5:58 PM
    • 8,974Posts
    • 21,733Thanks
    MSE Andrea
    Ask a StepChange (formerly CCCS) counsellor a bankruptcy question
    • #1
    • 5th Nov 12, 5:58 PM
    Ask a StepChange (formerly CCCS) counsellor a bankruptcy question 5th Nov 12 at 5:58 PM
    StepChange Debt Charity (formerly CCCS) has several counsellors answering questions in our forum.

    There are three ways to contact them:

    1 - To ask them a question please post it below and Allen, Linsi, Kirsty Rachael or Richard will post a reply here.

    2 - If you would prefer to ask a question in private you can send a private message to StepChange Private Messages and one of the counsellors will get back to you.

    3 Ė StepChange Debt Remedy is a free and confidential online debt advice tool. You can put a budget together at your pace, and you can also talk it over with an advisor through online chat.

    This thread continues from the previous Ask a counsellor a question thread one
    Last edited by MSE Andrea; 14-12-2016 at 1:40 PM.
    Could you do with a Money Makeover?


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Page 62
    • Bluehat1
    • By Bluehat1 16th Jan 18, 6:57 PM
    • 5 Posts
    • 0 Thanks
    Bluehat1
    Considering bankruptcy.Debts are around 45k,all on credit cards. I now have more money going out than coming in,even just paying minimum amounts.
    My income is from State benefits (pip,esa and housing benefit) plus a small personal pension.
    Having done an SOA,I would have a few hundred pounds surplus every month in bankruptcy.
    Could this money be taken from me as an IPA,even though it is Disability related?
  • StepChange_Linsi
    Hello

    Thanks for your post and welcome to the forum.

    When going bankrupt all income needs to be declared but disability living allowance (DLA), attendance allowance (AA) and personal independence payment (PIP) are not counted as income when working out an IPA. Other state benefits and pensions are classed as income when working out an IPA.

    If you receive state benefits along with another non-benefit income (such as a private pension), an IPA can be made. Having said this, the IPA amount must not exceed the non-benefit income.

    You can apply to go bankrupt through the GOV.UK website. If you get stuck completing the application or if you have any questions about the information you need to provide you can call the Insolvency Service Helpline on 0300 678 0015.

    Before you make a decision Iíd also recommend you use our online Debt Remedy tool, just to make sure bankruptcy is the right solution for you. Itís free to use and takes about 20 minutes to complete Hereís the link.

    I hope this helps,

    Linsi


    Considering bankruptcy.Debts are around 45k,all on credit cards. I now have more money going out than coming in,even just paying minimum amounts.
    My income is from State benefits (pip,esa and housing benefit) plus a small personal pension.
    Having done an SOA,I would have a few hundred pounds surplus every month in bankruptcy.
    Could this money be taken from me as an IPA,even though it is Disability related?
    Originally posted by Bluehat1
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • Littlealfiesmum
    • By Littlealfiesmum 23rd Jan 18, 7:45 AM
    • 6 Posts
    • 0 Thanks
    Littlealfiesmum
    Bankruptcy advice needed
    Hi my partner is about to declare bankruptcy because of a failed IVA he has debts from a period of ill health

    His current employment contract has ended & due to a period of unstable MH he is now reviewing PIP & focusing on recovery before attempting Work again
    He has 2 children he pays CM for.

    My question is how long do the payment plans after bankruptcy last?

    Weíre getting married & I would like to move house (house is mine) & in the next year or 2 would like a baby meaning household expenses would be paid more by him as Iíd be on maternity. I guess I am anxious about moving & struggling to pay because of all the extra money going on the payment plan.

    Heís signed off work for the next month & will be signed off again due to having surgery & his MHso will this effect any payment plans?
  • StepChange_Rachael
    Hi

    Thanks for your post and welcome to the forum.

    Iím sorry to hear your partner is going through a difficult time at the moment.

    Once a bankruptcy petition is made the Official Receiver (OR) can set an income payment arrangement (IPA) for up to 3 years. This will usually happen when the household budget shows there is more than £20 a month available at the end of the month. This would be set as a monthly payment towards the bankruptcy.

    If there are changes in your partnerís financial situation and an IPA is set then your partner would need to contact the OR and discuss these changes.

    If your partner hasnít already then Iíd suggest getting free and impartial third party advice before submitting the petition. Especially as youíve mentioned you own a property. Itís possible the OR may want to check for any beneficial interest that your partner may have if you live together.

    You or your partner could also contact the Insolvency Service. They should be able to answer questions about bankruptcy in more detail so youíll have a good idea of how changes would affect an IPA based on your partners situation.

    Take care
    Rachael





    Hi my partner is about to declare bankruptcy because of a failed IVA he has debts from a period of ill health

    His current employment contract has ended & due to a period of unstable MH he is now reviewing PIP & focusing on recovery before attempting Work again
    He has 2 children he pays CM for.

    My question is how long do the payment plans after bankruptcy last?

    Weíre getting married & I would like to move house (house is mine) & in the next year or 2 would like a baby meaning household expenses would be paid more by him as Iíd be on maternity. I guess I am anxious about moving & struggling to pay because of all the extra money going on the payment plan.

    Heís signed off work for the next month & will be signed off again due to having surgery & his MHso will this effect any payment plans?
    Originally posted by Littlealfiesmum
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • Littlealfiesmum
    • By Littlealfiesmum 23rd Jan 18, 9:13 AM
    • 6 Posts
    • 0 Thanks
    Littlealfiesmum
    Thank you, we don't currently live together and wont until the wedding in March 2018. Hoping to get this all sorted before then, we're running out of time I know but the house is mine and i've owned it since 2006. He will move in with me after the wedding.
    • pinkmum3
    • By pinkmum3 23rd Jan 18, 6:05 PM
    • 11 Posts
    • 4 Thanks
    pinkmum3
    Help! I'm scared
    Hi I'm looking for some support and advice please. I'm a single mum in approximately £25000 debt on credit cards. Atleast £10000 of this is due to me being stupid and letting an ex boyfriend put credit in my name. The rest is probably down to me trying to juggle things on my own without any maintenance from the kids father. I've tried until now to stay on top of things and am not in any arrears as yet, but I'm thinking I can't do this much longer. If I'd done it way back when I first looked into it I'd be discharged by now, but I keep trying to give it another go and keep plodding on. I first and foremost am scared about people knocking on my door, etc and keeping a roof over our heads. Second to that I've been trying to maintain a good credit rating as I rent privately, but to be perfectly honest that hasn't helped me at all anyway as the minute agents find out I get top up benefits and have pets they don't want to know anyway. Btw I am working. My rent at the moment is quite steep and as I said I've been unable to find anywhere cheaper, but if I was to take this step I'd be ok to stay on here. I'm just so scared of the prospect of doing this and feel like such a failure. If I was to go ahead I'd have to send token payments until I'd managed to save up the fee. I'm so mad that without the ex's debt I'd be able to do a DRO instead, but not sure that's any better at the end of the day. StepChange tool thingy has advised that bankruptcy is the way to go.
  • StepChange_Linsi
    Hello

    Thanks for your post and welcome to the forum.

    Iím sorry youíre feeling so worried about your debts and going bankrupt. Youíre certainly not a failure and it sounds like youíve done everything you can to manage these debts.

    It looks like bankruptcy would give you a fresh start and you wouldnít need to worry about your credit card providers taking any further action or coming to your home.

    As youíve already used our Debt Remedy tool Iíd recommend giving us a call so we can look over your budget and answer any questions or concerns you may have about bankruptcy. Our number is on the first page of your personal action plan.

    Weíll also be able to give some more advice about managing your debts during the interim period and suggest a few organisations you may be able to contact to get help towards the fees.

    The Insolvency Service also has a helpline you can call for further guidance. Their number is 0300 678 0015.

    We look forward to hearing from you soon.

    Linsi

    Hi I'm looking for some support and advice please. I'm a single mum in approximately £25000 debt on credit cards. Atleast £10000 of this is due to me being stupid and letting an ex boyfriend put credit in my name. The rest is probably down to me trying to juggle things on my own without any maintenance from the kids father. I've tried until now to stay on top of things and am not in any arrears as yet, but I'm thinking I can't do this much longer. If I'd done it way back when I first looked into it I'd be discharged by now, but I keep trying to give it another go and keep plodding on. I first and foremost am scared about people knocking on my door, etc and keeping a roof over our heads. Second to that I've been trying to maintain a good credit rating as I rent privately, but to be perfectly honest that hasn't helped me at all anyway as the minute agents find out I get top up benefits and have pets they don't want to know anyway. Btw I am working. My rent at the moment is quite steep and as I said I've been unable to find anywhere cheaper, but if I was to take this step I'd be ok to stay on here. I'm just so scared of the prospect of doing this and feel like such a failure. If I was to go ahead I'd have to send token payments until I'd managed to save up the fee. I'm so mad that without the ex's debt I'd be able to do a DRO instead, but not sure that's any better at the end of the day. StepChange tool thingy has advised that bankruptcy is the way to go.
    Originally posted by pinkmum3
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
  • StepChange_Linsi
    Hi

    Thanks for coming back to us.

    I would still recommend speaking to the Insolvency Service or seeking some legal advice before your partner goes bankrupt.

    Even though the house is yours and has been since 2006 your partner may have a legal claim on the property once youíre married or once he moves in with you.

    I hope this helps.

    Linsi

    Thank you, we don't currently live together and wont until the wedding in March 2018. Hoping to get this all sorted before then, we're running out of time I know but the house is mine and i've owned it since 2006. He will move in with me after the wedding.
    Originally posted by Littlealfiesmum
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • davidsonsl
    • By davidsonsl 25th Jan 18, 9:02 AM
    • 167 Posts
    • 12 Thanks
    davidsonsl
    IVA Vs Bankruptcy
    Hi all

    My husband has owed a business for 6 years, just under 2 years ago there was a change that affected the business & he took out loans to keep it going.

    It was ticking along fine & then something changed beyond his control & the business went bust. It is currently going though insolvency. Unfortunately as he PG'd the loans he now owed around £180,000.

    We have 2 options IVA or Bankruptcy. He is keen to go bankrupt as it is the cheaper option & I can afford to purchase his share of equity.

    My question is: my husband claims he will be treated the same wether he goes bankrupt or goes IVA. Is this true? & what other impacts may it have on us as family if he goes bankrupt?
    Cats have 9 lives, we only get 1 so live a little!
    • StepChange Private Messages
      Verified User verified user
    • By StepChange Private Messages Verified User verified user 25th Jan 18, 1:37 PM
    • 114 Posts
    • 115 Thanks
    StepChange Private Messages
    Hi there,

    Thanks for your post.

    Individual Voluntary Arrangements (IVAís) and Bankruptcy are both forms of insolvency which involve full or partial debt write off. As a result they do have a similar impact on things like credit files and the ability to take out further credit. Bankruptcy however does carry more restrictions, for example your husband wouldn't be able to be a director of a limited company whilst an undischarged bankrupt.

    You husband is right in that Bankruptcy tends to be the quickest and cheapest option for dealing with debts but I would strongly suggest he seeks professional advice before proceeding with either route.

    As your husband has owned a business and that business is still going through insolvency I would recommend he contacts an organisation called Business Debtline. Like StepChange they are a charity that offer free and impartial debt advice but they specialise in helping people who are self-employed or directors of limited companies. They can offer advice for both business and personal debts and you can find their contact details here.

    In terms of the effects Bankruptcy can have on your husband you and your family there is a very useful fact sheet on the Business Debtline website which explains all about how Bankruptcy works. You can find this here.

    I hope this helps and all the best.

    Kirsty

    Hi all

    My husband has owed a business for 6 years, just under 2 years ago there was a change that affected the business & he took out loans to keep it going.

    It was ticking along fine & then something changed beyond his control & the business went bust. It is currently going though insolvency. Unfortunately as he PG'd the loans he now owed around £180,000.

    We have 2 options IVA or Bankruptcy. He is keen to go bankrupt as it is the cheaper option & I can afford to purchase his share of equity.

    My question is: my husband claims he will be treated the same wether he goes bankrupt or goes IVA. Is this true? & what other impacts may it have on us as family if he goes bankrupt?
    Originally posted by davidsonsl
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • HarmonyDragon
    • By HarmonyDragon 26th Jan 18, 8:15 PM
    • 4 Posts
    • 3 Thanks
    HarmonyDragon
    Hi

    I'm a volunteer with a small charity and have been asked to become a signatory on the bank account. I have a very poor credit rating, with several credit card debts and I have recently had a default posted.I am in the process of making arrangements to clear these debts.

    Will this be a barrier to becoming a signatory? Is it likely that the bank would run a credit check and disclose this to the trustees or other signatories?
    • menageamoi
    • By menageamoi 27th Jan 18, 1:08 PM
    • 42 Posts
    • 7 Thanks
    menageamoi
    Hi - When I was in a similar position I decided not to as they do run a credit check on all signatories and it would have been embarassing for me and the other trustees. Of course I've had to stand down as a trustee now I'm bankrupt anyway....
  • StepChange_Rachael
    Hi

    Thanks for posting.

    It depends on the organisation, having defaults and a low credit rating wouldnít necessarily stop you being a signatory. Itís different with insolvency like bankruptcy where legal restrictions can apply.

    As youíve mentioned, the bank is likely to run a credit check so it might be worth discussing your concerns with someone at the charity in confidence first. Defaults wouldnít legally stop you but the charity may have their own criteria regarding credit checks.

    If you follow this link you can find support and advice on dealing with your creditors and help becoming debt free.

    Take care
    Rachael

    Hi

    I'm a volunteer with a small charity and have been asked to become a signatory on the bank account. I have a very poor credit rating, with several credit card debts and I have recently had a default posted.I am in the process of making arrangements to clear these debts.

    Will this be a barrier to becoming a signatory? Is it likely that the bank would run a credit check and disclose this to the trustees or other signatories?
    Originally posted by HarmonyDragon
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • worried789
    • By worried789 29th Jan 18, 11:54 AM
    • 4 Posts
    • 1 Thanks
    worried789
    Hi

    I am wondering if anyone could advice me of charities that help towards bankruptcy fees. I have applied to british gas but they have declined. I am a full time student and my husband works full time.

    Kind regards
    • philnicandevan
    • By philnicandevan 29th Jan 18, 6:51 PM
    • 548 Posts
    • 511 Thanks
    philnicandevan
    Hi

    I am wondering if anyone could advice me of charities that help towards bankruptcy fees. I have applied to british gas but they have declined. I am a full time student and my husband works full time.

    Kind regards
    Originally posted by worried789
    May be worth a look..

    https://grants-search.turn2us.org.uk/grant/turn2us-search-tip-16908?iframe=False&postcode=ha90rg
    Not quite a newbie as you think (the member formally known as philnicandamy!)

    FINALLY a qualified CAB debt caseworker 2015..
    BSC 58
    • worried789
    • By worried789 29th Jan 18, 10:50 PM
    • 4 Posts
    • 1 Thanks
    worried789
    Thank you for your reply, I have had a look on turn2us website but canít seem to find any charities that offer help !!!128542;

    Kind regards
  • StepChange_Allen
    Hi

    I am wondering if anyone could advice me of charities that help towards bankruptcy fees. I have applied to british gas but they have declined. I am a full time student and my husband works full time.

    Kind regards
    Originally posted by worried789

    Hi there

    Thanks for posting.

    It's useful to be aware that trust funds are usually very limited and there's no guarantee of successfully applying to one for bankruptcy fees. The best options are usually your utility companies or one in an industry you may have worked in, but they'll all have criteria to meet to be eligible for their help.

    Other than that, we usually suggest speaking with Turn2Us as was mentioned above because they specialise in grants and trust funds. If they advise there's nothing that they can see that would be available then I'd imagine it'd be difficult to find anywhere and you may then need to save.

    I hope it all works out for you.

    Allen
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • Rscott93
    • By Rscott93 4th Feb 18, 9:58 AM
    • 27 Posts
    • 5 Thanks
    Rscott93
    Bankruptcy order ignored by PPC resulting in CCJ
    Hi guys.

    I received a fine in the post from a private parking company way back in 2016. Anyway, I went bankrupt in February 2017, having not responded to any of the threatening letters I had received, I advised the Official Receiver about this debt as I had received a letter regarding a county court claim for this fine. The Official Receiver wrote to Civil Enforcement LTD advising them of the bankruptcy order and that all correspondence etc was to go to them now. Anyway fast forward around 2 weeks I receive a CCJ in the post. Me being a bit naive I ignored this (thinking that the OR would be taking care of this). Anyway, I have checked my credit file in January 2018 as I am excited to be at the end of my bankruptcy order and I see an active CCJ for this fine on my credit file. I have contacted my OR who it turns out is someone different now as the previous guy has left, she has confirmed to me in writing that this matter should have been dealt with, that the debt had been included in my bankruptcy. I found Civil Enforcement LTD address online and wrote then a very strongly worded letter (see below) on the 16th January, this was delivered and signed for the next day. I contacted the County Court about this and they emailed me saying they do not have the training to remove this CCJ and that I should contact the creditor (which I have). My OR also says they do not directly deal with the county court business centre and that I have to sort it myself with Civil Enforcement LTD. Anyway, here is the letter:

    I am writing to you today with regards to a PCN issued to myself on 22/04/2016. A bankruptcy order was made against me on 28/02/2017. I have enclosed documentation to confirm this. I contacted yourselves and notified you of this by phone soon after to which I was advised to send proof of this to your office in Horton House, Liverpool. I sent this to you on 21/03/2017. It was to my surprise that I received another letter from you dated 07/04/2017 advising you had issued this claim to the County Court Business Centre, therefore clearly ignoring my previous correspondence to you.
    At this point I sought advice from my insolvency practitioner who informed me they would write to you themselves confirming the fact that I had indeed been declared bankrupt and that the debt should have been included in this, as I am sure you are very well aware.
    This brings me to the point of the County Court Judgement which was made against me on 08/05/2017. I have sought further advice regarding this matter from my solicitor, my insolvency practitioner and the County Court Business Centre who have all informed me that as you were informed of my bankruptcy before the county court claim was issued, it should have never been referred to them and the debt should have been settled within the bankruptcy order.
    The purpose of this letter is to inform you of all the circumstances surrounding this mistake you have made and to give you the opportunity to make amends. You are being advised to amend your records and show this debt as being settled. You are also being advised to inform the County Court Business Centre of this mistake and ensure that this CCJ is set aside and removed from any records.
    If I have not received confirmation of this within 28 days of this letter being sent, I will be referring this case to my solicitor. You may contact me by letter or email.


    This was received on the 17th January and whilst 28 days have not yet passed, I am a bit worried they will just ignore this letter. I need this CCJ removed from my credit file as I have obtained an offer of employment abroad for a foreign exchange company who have stated this offer will not stand if I can not get it removed. I am due to start on March 20th.

    Given the fact that I have proof that the claimant was advised about my bankruptcy order before the CCJ was issued, what else can I do to get this sorted if they ignore my letter ?

    I appreciate this has been a long winded first post, I am really just at my wits end with this now.

    I also did try and start a thread for this however I cannot find the start thread button.

    Thank you.
    • fermi
    • By fermi 4th Feb 18, 10:02 AM
    • 39,440 Posts
    • 47,472 Thanks
    fermi
    Hi guys.

    I received a fine in the post from a private parking company way back in 2016. Anyway, I went bankrupt in February 2017, having not responded to any of the threatening letters I had received, I advised the Official Receiver about this debt as I had received a letter regarding a county court claim for this fine. The Official Receiver wrote to Civil Enforcement LTD advising them of the bankruptcy order and that all correspondence etc was to go to them now. Anyway fast forward around 2 weeks I receive a CCJ in the post. Me being a bit naive I ignored this (thinking that the OR would be taking care of this). Anyway, I have checked my credit file in January 2018 as I am excited to be at the end of my bankruptcy order and I see an active CCJ for this fine on my credit file. I have contacted my OR who it turns out is someone different now as the previous guy has left, she has confirmed to me in writing that this matter should have been dealt with, that the debt had been included in my bankruptcy. I found Civil Enforcement LTD address online and wrote then a very strongly worded letter (see below) on the 16th January, this was delivered and signed for the next day. I contacted the County Court about this and they emailed me saying they do not have the training to remove this CCJ and that I should contact the creditor (which I have). My OR also says they do not directly deal with the county court business centre and that I have to sort it myself with Civil Enforcement LTD. Anyway, here is the letter:

    I am writing to you today with regards to a PCN issued to myself on 22/04/2016. A bankruptcy order was made against me on 28/02/2017. I have enclosed documentation to confirm this. I contacted yourselves and notified you of this by phone soon after to which I was advised to send proof of this to your office in Horton House, Liverpool. I sent this to you on 21/03/2017. It was to my surprise that I received another letter from you dated 07/04/2017 advising you had issued this claim to the County Court Business Centre, therefore clearly ignoring my previous correspondence to you.
    At this point I sought advice from my insolvency practitioner who informed me they would write to you themselves confirming the fact that I had indeed been declared bankrupt and that the debt should have been included in this, as I am sure you are very well aware.
    This brings me to the point of the County Court Judgement which was made against me on 08/05/2017. I have sought further advice regarding this matter from my solicitor, my insolvency practitioner and the County Court Business Centre who have all informed me that as you were informed of my bankruptcy before the county court claim was issued, it should have never been referred to them and the debt should have been settled within the bankruptcy order.
    The purpose of this letter is to inform you of all the circumstances surrounding this mistake you have made and to give you the opportunity to make amends. You are being advised to amend your records and show this debt as being settled. You are also being advised to inform the County Court Business Centre of this mistake and ensure that this CCJ is set aside and removed from any records.
    If I have not received confirmation of this within 28 days of this letter being sent, I will be referring this case to my solicitor. You may contact me by letter or email.


    This was received on the 17th January and whilst 28 days have not yet passed, I am a bit worried they will just ignore this letter. I need this CCJ removed from my credit file as I have obtained an offer of employment abroad for a foreign exchange company who have stated this offer will not stand if I can not get it removed. I am due to start on March 20th.

    Given the fact that I have proof that the claimant was advised about my bankruptcy order before the CCJ was issued, what else can I do to get this sorted if they ignore my letter ?

    I appreciate this has been a long winded first post, I am really just at my wits end with this now.

    I also did try and start a thread for this however I cannot find the start thread button.

    Thank you.
    Originally posted by Rscott93
    Copying to a new thread here:

    http://forums.moneysavingexpert.com/showthread.php?t=5788459
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

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    • DrowninginDebt
    • By DrowninginDebt 4th Feb 18, 12:06 PM
    • 28 Posts
    • 3 Thanks
    DrowninginDebt
    Hi, when obtaining quotes for contents insurance, I am asked if I have ever been made bankrupt. I took out an IVA in January 2011 and repaid early however I understand IVA is one step away from being made bankrupt so will answer 'no'. Is this correct?
    And will the IVA stay on my credit file for 6 years from the repayment date?
    Thanks in advance.
    Profile name now out of date as, thankfully, with lots of help from this site, have cleared my debts 18 months early (apart from the mortgage which I am working on!). Many thanks MSE!!
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