You Can Ask Questions & Find Answers Here

My DRO ends in Oct, how soon after would my partner and I be able to apply for a mortgage?


My partner has fantastic credit yet i do not. Is there companies out there that would consider our situation

How can I hold off balliffs for non payment of tv licence fine


I got home today and there was a letter from Marsdons balliffs. I rang the guy up explaining i'm a single parent on benefits and don't have £450 to pay him off. I offered payment plan to which he says he won't accept less than £50 a week which I still won't beable to afford. He then said he'll give me 48hrs to ask family & friends for £200 then give me 2wks to find the rest.

Legally what jobs can a discharged for 6 years bankrupt do?


I have found insurance companies are unavailable or anything concerning money having to declare have you at any time been bancrupt? Immediately means in the bin! Even with over 40 years experience.

Need help with a supposed bailiff.


My disabled son's disabled girlfriend was made homeless by her so called friend and is sofa surfing at mine until the council can find her somewhere appropriate. She has just been told that she can't have her stuff back as the bailiffs have taken it. She has no reciept or bailiff company name as they are "in the post" .

Can a debt be transferred to a different name?


A few years ago my mum took out two phone contracts in my name and while I was working abroad ran up a debt of £850 which I knew nothing about until I came back a year later to letters from a debt agency. I then got my mum to set up payments to repay the debt which after one month she stopped and I am back in the same position.

Will my boyfriend be affected by my bad credit if he moves in with me?


I currently have a defaulted IVA from a number of years ago. I have just sent for my credit reports but if what is still outstanding is more than I can deal with I am thinking of applying for a DRO.

My dad signed as a guarantor for friends we don't know, how is my mum affected?


My dad is leading a separate life but still lives with my mum, they have both taken early retirement. He has signed for a guarantor for a family who none of us know and put down a £3000 deposit. They have now defaulted on their rent and he has so far paid 6 months rent. Is there any way to get him off of the guarantor and is my mum liable for the debt?

Landlord chasing money to partner - is anyone else liable?


Hi there. I was wondering if someone could please help me regarding a situation my partner is in. If someone (my partner) signs an agreement to get out of a lease early (personal guarantee) and agrees to pay an amount for a certain number of months, and they honour this but on one occasion cannot pay, is it legally possible for the landlord to come after the person who owes the money partner

My wife's Undeclared overdraft


I have applied for and been granted an IVA to pay off £18,000 of debt (all cards and debt is in my name only). I have given them all my creditor details plus overdrafts etc. Now recently I find out from my wife that she has a personal account with a £2,400 overdraft (at full capacity).

My ex hb was made bankrupt. Does TIB have claim over equity in the house?


note that the property was in my sole name and I made all mortgage repayments. We never had any jointly held assets.

Can I withdraw from my pension 2yrs after bankruptcy


The receivers were not interested in my pension at the time of bankruptcy but now I am able to withdraw a lump sum I was wondering if I could do this or whether the receivers would be likely to take it.

Bankrupt 6 years ago do we declare it


We are in the process of renting a house through an agent ,the checks are being done by rent4sure,we went bankrupt 6years ago and were discharged after 6 months,on the application form it is asking if we have been bankrupt in the last 10 years,do we have to say yes even though we had a check done last week by another agent and they said nothing came up or do we say no,not sure what is the best thi

ptoperty showing defaulted after discharge


The flat in question was sold soon after the discharge however still showing on my credit file as defaulted although the mortgage company in question as far as I'm aware had their money back and flat was sold everything on my credit report has been settled/ satisfied. except mortgage is showing default up to Jan 2016 when it was clearly sold in 2015.

Previous property owner put my name down for council tax, legal?


I have just completed buying a property and received the keys. However, entering the property I have found that a court summon was posted regarding unpaid council tax. The previous owner put my name down for the council tax without my permission or even informing me, I also didn't even have access to the property so couldn't recieve any of the letters, is this even legal?

Can baliffs return to the address to take stuff after the person has moved out


My son has been staying with us (temp) he had a debt which the baliffs came after, I found them inside my house ,they said the door was open, it was not , they said they would take all my stuff despite me saying the house and everything in it was owned by myself and my husband, that all my son had was his clothes, they said that didnt matter they would take what they wanted, and we had seven days

Can payments I make to separated wife's rent be an allowable expense by the OR for an IPA?


Can payments I make to my separated wife to help pay her rent to a house for her and three of our children be an allowable expense by the Official Receiver when assessing an Income Payment Agreement within my bankruptcy? The official receiver is asking me to justify my payments to my wife which are well above the normal child maintenance payments that they will allow.

My Dad passed away with business debts. Is my mum liable?


My dad passed away leaving business debts: approx £2.5k owed in corporation tax - limited company debt with himself & mum the only directors. approx £4.6k owed on a business Visa card - Limited company debt with himself & mum the only directors. approx £2.5k owed on a personal visa card in his name only. Their house was in joint names & is subject to a lifetime mortgage of approx £90k (house

Marston bailiff hassling my mum I do not live at her address


Please can someone advise me what to do I currently having a criminal court fine which was £400 in 2013 I have been paying it off attached to my benefit which I requested I noticed the money had stopped going off my benefit so naturally I thought it had been paid,to my horror there was one of these bailiffs at my mums door asking for me my mum informed him I don't live there to which he asked me t

At what stage would an IVA company find out that you are selling your home?