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    • That’s brilliant thanks for all the info, enjoy your evening.   Yeah, that makes a lot of sense about the F&F, definitely something worth considering to lower the amount of communications to deal with.   It’s good to know that newer debts can also be missing the documents needed, sounds more hopeful.   Thank you    
    • You are receiving what you bargained for / accepted, for both contracts (site access & tent). Did you book the tent for 4 nights, knowing you could only use 3. if the tent had been available for 3 nights only: you could have contracted for that. if it wasn’t, and your choice was “pay for 4 nights, get 3 nights use” or “don’t book” - you made your choice, and agreed a contract.   They are now offering others more, but provided you are receiving what you contracted for and no less, you don’t have a cause of action.   If you might get the extra tent night free, but only if you pay the access fee : you are still no worse off!   if you want to get “more value” from the tent contract : consider paying the site’s early access fee. If you choose not to you’ll still get what you originally contracted for so aren’t actually worse off, even if you feel slighted.
    • Hi,    I'm not sure if this is the correct forum for the following, and am looking for a general consensus or thoughts on whether i have cause to take action or not?  It's long winded but I've tried to be as concise as possible with the facts of the matter.    We booked a festival ticket for an event running from Friday to Monday, in addition we booked via a separate 3rd party company a luxury tent in that companies camp site within the festival. This was at a considerable cost.    Sometime after the purchase of the festival ticket, the organisers announced acts for the Thursday night and an early entry ticket for that night at a reduced cost.     We are not in a position to purchase an early access ticket, as we're unable to change our plans.  On the festival forum those who had purchased an early access ticket for Thursday entry questioned whether they would be able to have an extra night in the luxury tents, otherwise what would they do? The festival organisers said they would be able to. However when we queried the 3rd party they explicitly stated their site was not available on Thursday and would only be open Friday to Monday.  A number of other people reported the same response.   It was on that understanding that we did not actively try to make arrangements that would have allowed us to purchase an early access ticket.    Then all of a sudden the 3rd party changed its position and an email was received to say anyone booked into the 3rd party site would have a free night on Thursday if they had paid the festival organisers the small amount for the early access ticket.    It doesn't seem at all fair some can benefit from this, and some cannot, and I've no problem with anyone who does benefit.    I've messaged the 3rd party and they maintain the terms and conditions haven't changed, they've just added an extra free night that anyone with an early access ticket can take advantage of. This was not the case at the point of sale, because if it was we would have made arrangements to take advantage, instead we were only made aware after they changed their minds to permit this, and we're now not in a position to benefit.    I believe the terms and conditions have changed, and as a consequence I'm paying for a 4 night luxury Tent, and only receiving 3 nights.     I believe it is reasonable to receive either a refund for one night based on the cost now covering 4 nights, or a free night, and a refund of the cost of one night based on the original total of the 3 night contract.    Am i right or being stupid?   Thank you. 
    • Scotland - I know there are some differences when compared with England around statute barred, there may be others I'm not aware of so hopefully someone else is keeping and eye and will correct anything that is said.   I've plans this evening with the fam, so this may be rushed and I might miss something. Given you have so many accounts in different stages, it will be difficult to dig into each individually but the same will apply for all and we will get there   Priority debts are essentially anything that keeps a roof over your head. Anything consumer credit (CC, loan, store cards etc) are NOT priority debts.   Yes, that's what I meant, but really I just mean you will have choices with some saved in the bank. It makes sense on smaller accounts that you offer F&F to clear them IF they aren't already defaulted as it will just lower the amount of communications you will start getting - BUT defaulted debts will show on your credit record and affect you whether you pay them off or not, 6 years from the default, then they will disappear (could be 5 in Scotland, not sure)   You're quite correct that the older the debt, the more likely the paperwork is missing, but some of mine were very new (2020/21 also) and they couldn't provide the documentation..   Lets start here:   -  lower the pro rata on all to £1 (don't provide any income & expenditure info) -  CCA Request to each company that has bought the debt from OC (the last letter from OC will state they've been sold to xxxx) -  get access to credit file -  Forget your morals, they have none   For those debts already showing in default on your credit file and have been sold, you can stop paying entirely until you receive a complete CCA from them   I'll be back later   BT
    • Just a question out of curiosity. What will happen when the 6 years pass since all this began. By this I mean my moving out of the property and all that has followed? From what I can remember I definitely moved out either May or Jun 2016, as my dob is May and I moved out soon after celebrating it. So what will happen when 6 years pass, could someone please explain? Thank you 😊   
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Steps after Bankruptcy Discharge


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In the next week or so i'll be discharged from my bankruptcy. Despite having to pay contributions for the next two years i am looking for some advice to move forward. Firstly, what can and can't i do following discharge? Secondly, i obviously want to improve my credit rating now and wondered how best to do this? Finally, any do's or don'ts/general advice following discharge would be greatly appreciated.

 

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Serioulsy - live within your means. Already looking to get credit is a bad sign - I learned from mine and wuld never go back that way - if i don't have the money then i don't buy it.

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Hi

 

Totally agree Ida happened to me also and learned my lesson if you cant afforded it dont buy it or save up then get it.

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Thanks, but i'm not looking for credit and don't have any plans to get credit cards etc in the furture. However, i do want to find out the best ways to improve my credit rating. This is primarily so i can get a mortgage/phone contract etc in the future. Do i need to write to creditors and credit agencies (Equifax etc) to make them aware? Is there also a prepay card i can get to start mending some of the damage bankruptcy brought?

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  • 2 months later...

Phone contract might be a problem - you're probably best getting a PAYG.

You won't get a mortgage for 6 years - regardless of what else you do.

If you *really* want to get some credit - start with with one of the "sub-prime" credit cards, use a *little* bit, pay it off *IN FULL* every month (and watch out for extra interest charges the following month - yes VANQIS, I DO mean you!)

that will bump your credit score from -10000 to maybe -500

 

if you get rejected, try again in six months or so.

don't overdo it! softly, softly catchy monkey

Carpe Jugulum

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Cheers. I had noticed the Vanquis card but decided against it. However, i may consider buying my months petrol (£30) on it and pay it off in full each month.

 

Just out of interest does anybody know what my credit score should look like? I was on recently and had a 'fair' score of 765....

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Cheers for the advice but been onto experian and they state i have a 'fair' credit score of 765. I would of thought it would have been 'very poor' or 'poor' at best. However, i'm not going to complain. Does anyone know whether this scoring is correct or have i been lucky?

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+1 vote for noddle.co.uk

 

it will give you a second opinion.

 

depending on how long since your bankrupcy (i'm assuming 12 months? but it can be shorter I believe), it is possible that experian hasn't been updated.

Carpe Jugulum

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