I read about this firm on BView. Apparantly they have transferred their business to a firm called 123 finance which they (Ali Abadi and Jennifer Goddard) are directors of. Might be worth complaining about that firm too.

Assuming the debt wasn't incurred after the bankruptcy they absolutely don't have a leg to stand on - in fact its a bankruptcy offence for you to pay them! To be charitable, IQOR will only be acting on the instruction of the original creditor so it might be best to contact the original creditor and make sure they are aware of your bankruptcy.

During the year of your bankruptcy your tax code will change and you won't pay tax directly to the inland revenue. The IPA is a different thing and is a monthly cash payment based on your income and expenditure which lasts for 3 years from the date of your bankruptcy. It's quite common for the OR not to require a face to face interview. I'm surprised it has been so bitty though. Normally its a good couple of hours on the phone going through all the same information you put on your petition.

Its easy - most debt collection companies will search Experian for recent applications and linked addresses. Everytime you apply for a points card at a supermarket for example your information is going on databases and being bought and sold.

I just can't see why it's in Blemain's interests to repossess a house which is up for sale. Its not like it will get sold any faster vacant with an eviction notice on it.

When you become bankrupt the OR freezes all accounts and credit facilities. (They usually take any cash that is in there as well so remember to draw it out - and don't have it on you if/when you go to see the OR). You will be able to ask them to unfreeze a basic account, or to open a new one with a different bank if you can't keep it. Most bankrupts seem to use that Co op account so I'm sure you'll be fine.

If the mortgage was being paid and wasn't included in the original bankruptcy you might have to go bankrupt a second time. Bankruptcy deals with debts that occurred before the date of the order and your estate goes towards dealing with those debts. I think you can include a contingent (future) creditor at the time of the order but I know you need to get some advice from your Trustee about this - after all thats what they are there for while you are undischarged. It is certainly possible to be bankrupt twice at the same time.

Its probably been done to death elsewhere but Marlin were featured in an episode of Dispatches not so long ago. The other company, Mortimer Clarke were basically the same people answering a different phone line.

There is always www.123people.co.uk it depends if he has a common name- It comes up with some surprising responses.

I take default to mean you missed 3 payments and the IVA company failed your arrangement. That's surprising since many of the creditors will only have had a small amount of money in those first few years. You have the options of starting a new IVA with a new company or entering into a debt management plan, or dealing with the debts yourself or of bankruptcy.

Make sure you have about 4 copies. Not all courts have photocopying facilities and you will need a copy yourself to help you fill in the OR questionnaire - which asks for all the same information in a different order.

An Income Payments Arrangement is usually sorted out during or after your OR interview - 9 months ago I assume unless your circumstances have improved I doubt you will get one. You won't get one imposed after discharge.

Yes you can, if you have lived or traded in the UK within the last 3 years. You'll probably have to come back to London to petition at the High Court.

Have you checked your credit file or Trust Online CCJs, court orders & fines - Search yourself and others - Trust Online to see whether there are any CCJs against you? Because if there are they cannot be made subject to a DRO. Is this true? I wouldn't have thought a CCJ could be excluded from a form of insolvency.