Tilly Is Going Bankrupt (here we go again )

[charleyfarley]

eh up Tills, so this is what you've been up to. and here's me thinking you were sitting around drinking huge quantities of vodka, smoking too much, and endless partying:p

 

 

so listen hun, hope everything goes well for you.I can't give you any sensible advice or opinions, but glad to see you've got lots of people who can.

 

All I can say, is "don't let the barstewards grind you down, and keep smiling":D

[**Tilly**]

Jade thanks for stopping by hun, know you have been busy lately.

 

 

 

 

 

speak soon

 

Tills xxxx

 

 

Gm as per usual can always count on you to make me smile ta hun xxx

 

 

Hiya Charlie

 

Thankyou also for dropping in, lol partying i wish will try not to let the barstuards grind me down, and will try to keep smiling

 

 

Tills xxx

[**Tilly**]

Thought may as well put my question here,rather than start a new thread

 

Does anyone know how i disassociate myself from the ex on your credit report, i really need to do this asap !!!

 

 

 

 

Thankoo

Tilly

[babybear39]

Not sure sorry...Maybe write letters to all 3 major CRAs

[gizmo111]

Thought may as well put my question here,rather than start a new thread

 

Does anyone know how i disassociate myself from the ex on your credit report, i really need to do this asap !!!

 

 

 

 

Thankoo

Tilly

 

Have you any joint accounts still open? Is the old mortgage still showing as open? When these are all closed then inform the CRA's

[**Tilly**]

Have you any joint accounts still open?

 

No thats the first thing i did either closed them or had his name taken off

Is the old mortgage still showing as open? When these are all closed then inform the CRA's

 

Not sure if mortgage is still showing live or deaded

But for some reason or other got a letter here in his name from a DCA:confused: :eek::eek::mad: tis why i need too get this sorted

[kia]

im not sure how to he1p but im sure someone wi11 ti11s dont know anything about bankruptcy hope u get it sorted though u been through enough xxxxxkia

[gizmo111]

Not sure if mortgage is still showing live or deaded

But for some reason or other got a letter here in his name from a DCA:confused: :eek::eek::mad: tis why i need too get this sorted

 

Send it back - it doesn't affect you in any way.

I thought he went BR - what about your BR how is that progressing?

[mcuth]

Does anyone know how i disassociate myself from the ex on your credit report, i really need to do this asap !!!

 

How about this?:

Notice of Disassociation - Consumer Wiki

 

or this:

National Debtline England & Wales | Debt Advice | Factsheet 05 Credit Reference Agencies

 

I think the CRAs have sections on their websites about them too....

 

HTH

 

Cheers

Michael

[**Tilly**]

 

 

I thought he went BR - what about your BR how is that progressing?

 

 

yep so did i it yet another fiblet

 

Still not got around to it Giz, think its going to have to be make your mind up time soon

 

 

Edited April 23, 2009 by **Tilly**

[**Tilly**]

How about this?:

Notice of Disassociation - Consumer Wiki

 

or this:

National Debtline England & Wales | Debt Advice | Factsheet 05 Credit Reference Agencies

 

I think the CRAs have sections on their websites about them too....

 

HTH

 

Cheers

Michael

 

Thanks Michael, just had a look at the link for Notice of Disassociation, looks like i meet all they need,legally seperated, proof of joint accounts that no longer exist etc, all but the mortgage not sure on that one, both names are still even though its gone so too speak.

[determindator]

Hiya Tilly,

 

 

Just saw your post, yes the disassociation should do the trick, and yes just send the notice back not known at this address. Cheeky of them as this is your new address with no connection to your previous address!

[**Tilly**]

Hiya Tilly,

 

 

Just saw your post, yes the disassociation should do the trick, and yes just send the notice back not known at this address. Cheeky of them

Thats polite to what i said when i see it

 

as this is your new address with no connection to your previous address!

 

Yep tis what i couldn't understand,will get on and try to sort it tomorrow,

[determindator]

.........and don't forget to treat yourself to the special wine deal £3 Hardys stamp!

 

X

[**Tilly**]

lol Termi

 

Got through to experian eventually :rolleyes:Before i can do anything, i have had to order a new credit report, also fill in an association questonaire, before i can disasociate:confused:

 

 

 

Tilly

[babybear39]

Do you have your BR fees sorted out? There are charities that can help. Call nationaldebtline or the CCCS.

[**Tilly**]

Hi BB

 

No not got fee's sorted yet,so much been going on to be honest i keep putting it to the back of my mind still get fidgty everytime i think of it thanks for the info

 

 

 

 

Tilly

 

 

 

[Tawnyowl]

Hi tilly-bankruptcy fees-mmm-havent got mine yet but just had fun filling the form in online-will be printed out when i get a printer and some ink-next year maybe.Sounds like youve got another thing to sort-disassociation thingy-youll do it.Bye for now tawny-allways got a eye on your interesting threads.

[**Tilly**]

Hiya tawny:)

 

Welllll ive got the ink and printer just can't find the lead

 

Tawny i don't worry anymore i learnt a while back worrying don't get you anywhere,i just tackle what ever comes my way now, and pleased to say as of late tis nothing:eek: lol, except the liccle glitch at mo.

Speak soon

 

 

 

 

Tilly

[caro]

You need to consider whose name(s) the debts are in Tills. ME could still come after you for the shortfall if your ex goes bankrupt, but is there anything else with your name on it?

 

Consider your options again, because your situation is very different now. Have you still got debts need settling apart from the mortgage shortfall? I assume Mortgage Express haven't bothered chasing you for this yet because they must know you wouldn't be in a position to settle if for some time to come.

[**Tilly**]

You need to consider whose name(s) the debts are in Tills

 

Not mine

 

 

ME could still come after you for the shortfall if your ex goes bankrupt, but is there anything else with your name on it?

 

 

No there is nothing else with my name on and i gave all his to him when he left, so ive not got a clue whats going on or why it turned up here

 

Consider your options again, because your situation is very different now. Have you still got debts need settling apart from the mortgage shortfall? I assume Mortgage Express haven't bothered chasing you for this yet because they must know you wouldn't be in a position to settle if for some time to come.

 

Ive not heard a peep out of them so far, will only be time before i do though they not going to let go, and when ex goes bankrupt which i know

for certain he is, so that is the question do i follow or wait to be chased:-?

oooooh decisions, decisions !!!!

[Fiscalawareness]

Tilly hun im new to your thread, just to say went crupt when i was 21, im all grown up now and theres life after believe me

 

Besides they only got my old car wirth £50

 

Ive got more houses then i need now and so everyhting returns to normal quicker then you think

 

oh and one piont worth mentioning, its better to go crupt in a recession, by the time the world gets its act togther and starts to come out of it you will as well

 

good luck

[caro]

It depends if you think spending (and saving) the money to become BR is worth it to make sure you never hear from them again. Also, whether you're likely to be in a position to settle with them and, now they've had your house, if there's anything left for them to take from you?

 

At the moment you seem to have a bit of breathing space to think through the pros and cons without the pressure of anyone hassling you for money.

 

 

 

[**Tilly**]

It depends if you think spending (and saving) the money to become BR is worth it to make sure you never hear from them again. Also, whether you're likely to be in a position to settle with them

 

Nope unless that sugar daddy with the yacht toodles along

 

 

 

and, now they've had your house, if there's anything left for them to take from you?

 

me shirt of me back but no theres nothing left to take

 

At the moment you seem to have a bit of breathing space to think through the pros and cons without the pressure of anyone hassling you for money.

 

 

 

 

I won't be doing it yet, like you say ive got breathing space to think things over.:-|

 

[**Tilly**]

Hi fiscal

 

Thanks for dropping in:) really appreciate your support.

 

Glad everything turned out good for you after you went crupted:)

 

I will get sorted in time im sure, just the liccle bits in between got to be done first

 

 

 

Tilly