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  1. Looking for some advice. I defaulted on a black horse personal loan on 2012 (not hire purchase) which was taken out for a car in 2009. This was included in my sequestration. The car was not repossessed as the value of the car was too little. Black horse have confirmed that the account is closed but that I still have a balance. 5 years later I would like to sell the car but when carrying out a HPI check the balance is showing. Do I have the right to sell this car?
  2. Four-time bankrupt hit with fourteen-year restriction READ MORE HERE: https://www.gov.uk/government/news/four-time-bankrupt-hit-with-fourteen-year-restriction
  3. Same old story I'm afraid..... We had a loan via GE Money/Home lending for £5500 and had only managed to make a few payments on the account when i lost my job. We spoke to GE and advised them of the situation, that the problems were only temporary and that we would make arrangements for the arrears to be cleared as soon as possible. The call taker insisted we make a payment arrangement but as we were living off thin air I was unable to do this. I offered £5 a month token payment which was refused and advised i couldnt do anymore at the present time. The debt was subseq
  4. Hi My mother has been made bankrupt following a stat demand. I really need advice on this issue from someone urgently please The demand was served by a gentleman at her house personally, however had no dates on the demand. It just stated to pay within 21 days. It mentioned the case would be heard at the local court, but no date was given for a hearing. The debt was for £15877 which was owed. Yesterday we believed was the 21st day, but difficult to confirm as no dates on the stat demand. We paid the solicitors yesterday in full, but received a call from the receivers to say
  5. Hello, I was declared bankrupt on 19th May 2017. I had a CCJ from Capquest that predates this by a month or so. The other week I received a letter from the County Court stating Restons have applied for an attachment of earnings for Capquest. I returned the N56 and attached a cover letter explaining the debt was included in my Bankruptcy and included a copy of the bankruptcy order. I sent a letter to Restons with this detail also. Today I received a transfer of proceedings form moving it to my local county court. It states I never returned the N56, which I obviously did
  6. Hi, I'm hoping somebody here may be able to advise me. I have recently become bankrupt at the end of May. The DWP have just sent me a letter claiming an attachment of earnings to cover an old social fund loan. I did include this in my list of debts on the bankruptcy application. Can they still go ahead with the attachment of earnings depsite my bankruptcy? Thanks
  7. This is f....g rediculous. They mess up my calculation...let it run for years and then give me a 2 year backdated attachment of earnings. for over 800 pcm. (for one child). I had to leave my job....I got a much lower paid job and they were taking 350 for maintenance and arrears. I get another low paid job...they then accepted 250 for arrears only as the regular payments had stopped. I get another job and try to contact via email and web enquiry. No reply. Suddenly...without warning. £425 per month out of my bank account. I cant even afford my rent or electricity. And t
  8. Hi all, Hoping somebody may be able to shed some light on my question.. I have a judgment against an individual. I have come to realise his name is misspelt on the judgment. Have been advised by the court to make a formal application to correct this using an N244 form 'Notice Application'. My question really is regarding what court fee I am supposed to pay. Ive read the official fee guide but it doesn't make it very clear regarding this type of application. Any thoughts? Ive already emailed the courts to ask but thought somebody may have the answer
  9. Hi everyone this is my first post here so ill start at the beginning, when i was younger i had several loans from natwest and one rolled into a bigger loan several times over the years, after contact rbs they said i had 5 accounts with them and that so far they had one loan of £4.5 with an offer of £170 (like 4%) , then another account was 10k with £1900 offered (19%), then an £11k one still awaiting an offer , then an 18k one still awaiting offer. the last one was £1700 loan with no ppi so no offer. Heres where it gets interesting i was sold the ppi as you ha
  10. Following a long hard battle with NRAM they have finally admitted that my claim from recompense due to their error regards the CCA is correct HOWEVER I was made bankrupt in 2012, I was discharged a year later. NRAM have sent me a letter stating that customers who are bankrupt or in an IVA will not receive remediation.. Is this correct? They state that remediation would be an asset in the bankruptcy. The fact of the matter is that during the period in which they cocked up I was paying off my loan etc ( I was not bankrupt at this time!) I am discharged They state there is
  11. HI i need some advice on my situation. Ok so my home has been reposessed and ive moved out, since they are looking to evict on 1 september. ive been very lucky in having a friends flat available so that is OK. the overall plan is to declare bankruptcy, to clear all my debts. the questions i have are the following: 1) There WILL be a shortfall from any re-sale of the properly, quite significant in fact. If i declare bankruptcy, will they still be able to come after this negative equity shortfall? this i am unclear on. I should add that during the reposession, a money o
  12. Hello there... Need a bit of guidance regarding my father. He had some things Perfect Homes in Wolverhampton. Account lovely and smooth. They along with other people allowed him to carry on hence him getting into debt. Now my father is slow. He went to school for children with certain needs. My father is easily coaxed, frightened and easily manipulated into things. I have to keep bailing him out. That is if I find out what he has been up too. He is a lovely man regardless... My father had that many debts I didn't know about - so one firm told him to go
  13. Firstly, hello and thank you for taking a moment to consider reading this and helping A close friend used this before, said the advice and support saved him through a very tough time financially, as a result he came out the other side and contributed back to the forum, I hope I'm able to get some advice too. I welcome an experienced user moving this thread to a correct forum, I'm afraid I'm unsure which one is best. I'm reaching out to people to seek advice on a very tricky financial decision we find ourselves stuck in, I'm listening to as much advice as I can get, I hope you'll t
  14. Hi. I know I'm posting in the wrong area but my iPad is refusing to let me post under bankruptcy. My husband and I were wondering about what is classd as income when going bankrupt. I work part- time and he is in receipt of ESA contribution based, PIP. We also receive Child Benefit, CTC and WTC along with Housing Benefit and Council Tax Benefit. We have a lot of debt and are just waiting for our home that was repossessed to sell so we can add the shortfall to the bankruptcy. Many Thabks
  15. I live in a shared ownership apartment, . The premises are 5 years old I was told after I moved into the apartment that the original builder had gone bankrupt. I was never advised of this by may solicator. Should the Housing Association have made us aware of this ?
  16. Hello, I'm looking for debt advice (a payment break or the possibility of bankruptcy). I'm currently self employed and have been since 2006, business was good at one time but over the last 3 year my income has slowly decreased to the point where I'm working 12 to 14 hours a day, 7 days a week for very little money. I have tried to find full time work but had had no offers of employment locally in the last 3 years although I have had offers of work 200 miles away with a company I've worked for in the past, the offer of work with is still there. Unfortunately I'm u
  17. I was declared bankrupt 10+ years ago and discharged 12 months later. I since applied for ppi which was successful with the Halifax they have sent said amount to the insolvency service. Can anyone tell me if this is correct or can I get the money back off the insolvency people.
  18. I have become increasingly concerned by the number of banks and companies using "no locus standi" as a defence. It is becoming obvious that third parties cause the bankruptcy of a Claimant/Defendant allowing the right of action to be vested in the Official Receiver or Trustee. More often than not there is a decision not to pursue the action, cost, success of action etc being the excuse. Surely if the bankrupt was involved in legal action, in particular to obtain recompense, the claim must be pursued in the interests of both creditors and the bankrupt. I have seen evidence that banks etc are us
  19. Hi, I am about to be served with a bankruptcy petition and really need to know something. the bankruptcy relates to a personal guarantee that I signed a few years ago for a company which then ran up a debt after I left. I do not have the money to pay for this debt and even if it did I wouldn't. I have a car which is registered in my name but purchased by my existing company of which I am a director. Because I knew I was going to be bankrupt my wife started a new company in her name of which she is sole director. can I get my wife to buy the
  20. Hi, this is my first post, so I hope I can explain the situation properly. I have a series of old credit card and bank overdraft/loan debts arising from previous financial problems, a divorce and health problems, all debts are unsecured. Some of the debts are joint with my ex. I was in a payment plan which stopped interest running but since November 2010, through ill health, I have not been able to make any further payments. Admittedly I have just left everything and apart from filing letters did not contact the creditors until March 2011 when I considering
  21. Morning All A situation's cropped up that I can't quite get to the bottom of. Any advice would be welcome. As a discharged bankrupt I complained about PPI to my creditors. The Accountant in Bankruptcy was fully aware of this and supported it. I reclaimed over £10,000. I've recently had letters from MBNA with further redress. Obviously, as a bankrupt, the money was sent to my Trustee, etc. Some of the refunds (such as those from MBNA) took account of tax on the 8% interest. Others (a big chunk of the debts) did not. They paid gross. I'm now self-employed while I await s
  22. Hello, I became bankrupt in December 2011, and have confirmed that I was discharged in Dec 2012. In June 2012 I was issued an Income Payment Agreement, under the terms of which I must pay £105 per month until June 2015. I have just been made redundant and am now ( temporarily I hope) unemployed. The redundancy payment made to me was £12k. My question is simply, is the redundancy money mine to keep, or, despite the fact I am discharged, is it still possible for the OR to claim some or all of this money ( the sum owed at bankruptcy was £37k )? thanks
  23. Hi, I am a bit in the dark when it comes to these things and I was hoping somebody may be able to shed to light on the issue I have at present. My partner and I have split up and she is going to go bankrupt. The house is our joint names and I still live at the property. We have switched to interest-only repayments around 15 months or so ago, so there are some arrears already. There is no equity in the property and whilst I have a few financial (work) struggles myself I hope to be in a position to take on the mortgage in full shortly. Reading other posts it sounds lik
  24. I went bankrupt in 2010 jan I have lost my job thru ill health and now on benefits and struggling. I have been informed by the bank that I had ppi in 2008 2007 which I dint know about the bank sent me the forms to claim it back. I was told that the Insolvency can claim it this back I was discharged in jan 2010 from the bankruptcy can the Isolvency claim it If I do fill in the forms and why should I it was not my fault what happen to me I have been suffering with my health just found out I have cancer can someone help me and when does the bankruptcy stop
  25. to cut a long story short I finished cancer treatment in 2012 got into a awful amount of debt my dad had cancer treatment at the same time but he died, my marriage fell apart I am on ridiculous amounts of medication including 2 types of anti depressents, i live in a housing association home which I moved to from a larger housing association house to be nearer shops as I had to sell my car as I had rent arrears I have no assets everything is in my husbands name, i look after my 3 year old granddaughter so my daughter can go to work, the
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