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About Me


Found 6 results

  1. Hello all, Thanks for taking the time to read my thread. My story is no doubt similar to many past and present, i am looking to now take control of my life and debt! After a period of tough times and illness i have started work/business again and on the road to mental well being. Background... 40k unsecured debt Self employed / Partner employed Discussed circumstances with Payplan and they recommend debt management plan or IVA I am concerned over IVA and the equity clause at year 4 as this is our nest egg, i have no pension and the property is in my spouses name b
  2. Hello there. I have been served an N1 claim form from a dodgy builder I sacked for substandard work. The Statement of truth has been filled in by an unknown party ( Name printed and signed) but they have not stated who they are. They are NOT the claimants solicitor as he doesn't have one. Neither Claimant ,Litigation friend or Legal representative has been selected from the options and neither has the name of firm or position held . It seems clear to me that the statement of truth is not binding and the form should not have proceeded through the court system with this
  3. Appologies if I have asked this previously ... I am living in SE Asia and now wish to take out a small loan as we need work done on the home. The company that I have applied with is a big multi national company with offices in most major cities throughout the world and have applied through the local outlet. (The company is not attached to any UK bank, it is a mega American company located in SE Asia) Having a really bad credit record in the UK due to my thieving and obnoxious ex partner (now deceased) I finished up with a lot of debt on Credit Cards, Bank Overdrafts and one loan
  4. Hi Back for a little more excellent help and advice. I am an ex-pat who requires a Credit Report from both Experian and Equifax but as I have no bank account in the UK I am unable to obtain the report. I have no family left in the UK and most of my former friends have now disappeared therefore unable to obtain a £2 PO and my current bank no longer issues cheques. The other problem is when I try to do this on line it requests a UK address which obviously I do not have. I contacted one CRA who say that all I need to do is send a £2 PO, but when I inform then of the problem a
  5. Read more http://www.fsa.gov.uk/library/communication/pr/2012/111.shtml
  6. 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
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