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Found 12 results

  1. I have previously posted on the PPI board but am posting here to see if I can get any more specific details about PPI in relation to a Scottish Trustdeed. I took out a loan with Egg in 2002 and paid it up normally for about 4 years then entered a trustdeed from 2006 - 2009. I was fully discharged as was my trustee. I also know that my trustee has no interest in reopening my trustdeed in order to recaputure any ppi payments. I made a PPI Complaint and Egg have admitted it was mis-sold and have offered my a payment. However they have made a number of deductions from that
  2. 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
  3. Hi guys I was made bankrupt in October 2008 and was subsequently discharged 12 months later. In February I received a court claim from a personal debt that I forgot to include in the BO. I filed all the defence forms and the Judge ordered that I provide proof of my bankruptcy so they could consider the claim being struck out. I filed a copy of my credit report (showing date of BO and ref number), a letter from HMRC that was stating due to my BR my UTR was closed etc, a letter showing the release of interest from the OR in my property. I was unable to provide any more p
  4. Back in 2001 I applied for an Administration order from the court due to debts I had. This was approved by the court and i was instructed to pay £5 a month for the first 12 months when it would be reviewed. 12 months later it was set at £5 per month for a further 3yrs. The total amount was eventually paid including court fees... and the debts totalling some £4000 pounds were discharged. One of these debts was a £2000 loan I was unable to repay due to health and being unable to work from the Alliance & Leicester. Each creditor was notified and had the chance to object t
  5. 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.
  6. Hi and merry Christmas, I've just been discharged from a DRO and sent recorded letters to all the companies included with a copy of my printed IS DRO details. I have one question: What happens now I've been discharged and what will happen on my Credit Report? I know my credit rating will be very poor until 6 years have passed but are the places to whom I owe money obliged to remove and write off the amount owed or do they keep on in the hope that they'll get something? Thanks but I'm fairly new to these.
  7. 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
  8. Can someone please advise me on some issues as i am very confused. I was adjudged bankrupt in December 2010 actually to my relief. I was then discharged in December 2011. I have today registered on checkmyfile.com to look at my credit score as i am needing to open a bank account (i do not want credit just simply one to use for day to day payments and bills). Upon checking this i have found that there are a number of accounts that are still on there that were included in my bankruptcy, should they still be there? If not how do i get them removed or have notes added that they were included
  9. Was in Court earlier this month, facing a second eviction date. N244 submitted, and the eviction was suspended. I've managed to get the lender to extend the term of the mortgage. It's reduced the CMI by £150 so that is going at the arrears as well now. The arrears were rather small compared to some at £2100, they are now £1800. By Christmas I should have them cleared. Can I then get the suspended order discharged? I don't like the way they can just get an eviction date whenever they feel like it. What if I'm on holiday? Ill? And don't have time to react to it.
  10. Dear CAG, I filed for Bankruptcy in 2010. I am now a discharged bankrupt and have been for 18 months or so. I recently checked my credit report and I have found that 4 lenders have been marking my report with a default since the date of my bankruptcy. Speaking with the credit agency, they informed me that there now should be no record of these debts as they were part of the bankruptcy in 2010. Interestingly, these 4 lenders are posting monthly defaults for some very insignificant amounts, compared to the likes of Natwest which held my business account. There is no record of thi
  11. I was discharged from bankruptcy 5 years ago. I require a full report from the TIB (trustee in bankruptcy)and would like to know if I have to pay for this and if I have to make an application to the Court if I get no response from the TIB. Do I have the right to know how the TIB managed the bankruptcy estate? ie who got paid who didn't etc etc. The TIB has never contacted me as all my dealings were with the official receiver, he was only appointed 3 days before my discharge and then represented by a creditor's solicitor, which I thought was a conflict of interests. I have a ter
  12. Hello, I was hoping someone could give me a little insight into something going on with my credit score, and how welcome finance are keeping records of my finances. I was made bankrupt just over a year ago. In fact my bankruptcy discharge was the 11.11.10. I've been keeping a close eye on my credit score and report and watched it steadily rise. The issue is, on my credit file, some accounts are showing settled, some show default (with a date) my welcome finance record is showing late by 6 payments (closer to 36) and updated every month!! Is this right? I'm trying to clear my
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