Hi, I hope someone can help, I went bankrupt in May 2010, included in this was £3000 to a Virgin (MBNA) credit card, I was discharged in May 2011, after looking at my credit report today I noticed I have a CCJ in March 2012, I contacted the courts and they told me it was from Varde Investments who bought the debt from MBNA. What I want to know is how to get this CCJ removed, I know I can apply to the courts to have it removed and pay £80 but then I guess Varde could just reapply the CCJ and I'd be back to square one, How do I get it removed? Any help would be much appreciated

Hi All:-), My wife and I recently went Bankrupt. Well….2011. I know some people may call us crazy but it really did change our lives for the better! Anyway I digress. My wife and I both had debts with 'T-Mobile'. They were passed to 'Sigma SPV1 Ltd' and in turn 'HL Solicitors'. The debts were a part of our Bankruptcy. We were discharged in Oct 2012. During our Bankruptcy 'HL Solicitors' kept sending us demands to which I always replied, referring them to our 'Official Receiver' (Plus I sent them numerous copies of our Bankruptcy Order). Over the last 4 months 'HL Solicitors' have become particularly aggressive! Until recently we have complied completely and been forthcoming! (even more than we perhaps should have). We sent them more copies of our 'Bankruptcy Orders', our 'Proof of Discharge' and even a copy of page 14 of our 'Statement of Affairs' highlighting that the debt was included in the Bankruptcy! (I realise that it is irrelevant that it was actually in the 'Statement of Affairs' and that any debts that we may have missed would still be a part of our Bankruptcy but dealing with imbeciles we wanted to make a point!) ‘None the less’ the latest letter I have received is a notice that should we not make payment within 14 days they are going to take us to court! Funny enough as well as anger reading this letter, I couldn’t help laughing as I know they wouldn’t have a leg to stand on! The next step I am going to take is, I am going to phone our 'Official Receiver' to find out what they can do about it (if anything) and I want to write a nasty letter to them, explaining how they have got it so wrong etc My question has three parts as follows: 1 - Does anyone know if they have a dedicated complaints department that I can write to direct? I have tried to research this but found nothing? 2 - In my letter I want to let them know that I am going to also write to the OFT and my MP etc. Can you tell me who else (if anyone), I can put in my letter as a threat that I intend to write to etc? 3, Can you let me know if you can think of anything, no matter how little, that I can/Should include in my letter? (any references’ to litigation/law etc, specific words like Obtuse or Vexation for example?) I want to thank you in advance of your replies for taking the time to read my thread and reply! Thank you so very much Darren. P.S Just to let you know that my frame of mind is that I really want to give it to them in this letter! Perhaps make them sweat if I can!? Whilst obviously writing the letter within the constraints of the law and without sounding like a raging lunatic etc lol! Thank you kindly. P.P.S Sorry but I have just thought of another concern. My wife and I have registered with Experian, Equifax etc. With a view to gaining control of our credit. It has been great! I would recommend it to anyone. For example we had two Bankruptcies each so had the error corrected (We‘ve only ever gone Bankrupt once), we have had debts that were registered against us but were a part of the Bankruptcy marked as satisfied or even removed and it has increased our scores dramatically! However we both have one remaining................yep you guessed it, ‘HL Solicitors’!!! Do you know who is responsible for either removing it from our credit record or marking it as satisfied (Due to the Bankruptcy)? Is it 'T-Mobile', 'Sigma SPV1 Ltd' or 'HL Solicitors'?? I only ask because I have inquired with them and every one of them has passed the buck, stating that it is the responsibility of one of the others!! I can't thank you enough for any help you can give us!! Thank You, Thank You, Thank You!!

Hi, don't know if anyone can help me but here we go. My ex wife went bankrupt in 2007, I bought her share of the house and the land registry was transferred solely into my name after it was finalized. Unfortunately after the financial mess she left me in I have had mortgage arrears which I am still paying and therefore couldn't take her name off the mortgage but I was informed by her trustee that it was on paper only and she had no financial claim on the property at all. My ex wife informed me that she is applying for her name to be put back on the deeds and the land registry so she can sell the property from under me, can she do this?? I have all the paperwork from her trustee and she hasn't paid a penny towards the house since 2007, also the house is in negative equity. Would be grateful of any sort of help before I see a solicitor. I was under the assumption that the land registry would have to write for my consent. Thanks in advance

Hi, I was wondering if anyone could help me. I have had a look at the posts but i am quite confused about what to do. I recieved a letter from Capquest stating that is was a demand to start bankrcuptcy proceeding and I have 18 days to appear at court. The amount is for approx. £1600 from Orange. I havent been in touch with these people at all, (I am in quite a lot of debt and to be honest have only just started opening my mail!) The problem is that whilst I am currently employed i have had council tax arrears that i am paying off and i have very little disposable income to pay off any unsecured debts. I have no idea what to do and i really dont want to go bankcrupt can anybody give me some advice on how to proceed?

Hi folks. I hope someone can offer some useful advice about a creditor that's chasing me. From 2003 to 2006 I ran my own business offering web design services. For some clients I provided web hosting for which I used a server from 1&1 Internet. In 2006 I went bust, but I was a sole trader and didn't declare myself bankrupt. To avoid letting hosting clients down, I continued to run the server to give clients time to move elsewhere. Some time in 2008, someone hacked into the server and used a large amount of bandwidth. This bandwidth would have cost perhaps £100 from a ADSL provider, but 1&1 said I owed them over £600. I denied responsibility for the bandwidth usage and refused to pay. I had a couple of letters from Wescot with reference to this, which I ignored and all went quiet. I moved house last year (2010). I've just received a phone call from Wescot on my new landline. I didn't discover what they were calling about, but I presume it's the 1&1 account. Where do I stand if they start chasing me for this debt? I'm now unemployed, have no savings, and at the moment have no income. My wife works on a modest wage, and we're waiting to hear back about an application for tax credits. Both of us have credit management plans through a fee-charging credit management company and are paying about £310 a month between us. Should we do something else with these debts too? Cheers, Jon.