Bankruptcy & Living With It

A question about : Dca harrassment over 6 years after bankruptcy

Hello

I went BR in March 2008 & was discharged in Aug 2008. One of my creds was Monument CC.

In March last yr the BR dropped off my CRA files & I now have a normal credit facilities Inc 0% CC & my file is now squeaky clean with loads of little green lights.

A question about : debit or cash card before BR

As advised opening a barclays cash card account on application it asks if i want debit card or cash card, which one do i need to tick so it dont interere with account after BR please x

A question about : A bit confused about which letter to send creditor post BR

I have recently received an up to date credit file from Experian. I am now in the process of doing a bit of cleaning up were I can. My understanding is that I can ask to remove anything that is six years past the default date is this true? in that case I have one creditor that I would like to have removed/updated, so which letter do I send in the first instance as its a bit confusing to me when I check the links.

A question about : Mortgage Shortfall Debt

Hi All,

Bought a house with my ex-wife back in 2002, house was voluntarily repossessed in 2012 following breakdown of marriage - we were unable to sell it, house was vacant for some time and suffered damage.

Not heard anything from Halifax since they managed to sell it in 2012, until a letter came through the door the other day saying they are now chasing the mortgage shortfall debt of Ј43k.

I am not in contact with my ex-wife, there is no point as I know she is not interested.

A question about : Internet banking with Barclays after BR discharge

I was discharged from bankruptcy on Tuesday (3rd Feb) (yay!) and today I went into Barclays with my proof of discharge in order to get my internet banking reinstated. I didn't need to go! When I got there and sat down with them there was already a note on my account to say I'd been discharged and so I could just log in and set up.

Thought this might interest others as I was under the impression we had to go in branch to request it to be reinstated.

A question about : Charities who help with BR Fees

Thought we could start a new thread to update our information on Charities who help with BR fees to see who does help now and how long the whole process takes, this is our normal post below, if anyone has any more information we can add it to this post

Thank you
IF

There are a number of charities that may help with bankruptcy costs and fees depending on eligibility. You will usually need the assistance of a recognised Debt charity in completing applications and be patient can take a while to process too.

A question about : 6 Years post BR

Hi all,

I've come on here to pick the brains of somebody who can answer several questions about post BR. I'm coming up to 6 years from the date I went BR and I'm unsure what happens re credit file, so could somebody please answer to the best of their knowledge the following questions:

Do credit bureaus' automatically update file i.e. remove BR and creditors from file after 6 years is up, or does OR get in touch with credit bureaus', or do I have to intervene to have it removed?

A question about : Mortgage Shortfall

Hi myself and my husband went BR in March 2010, decided to stay in our house and continue to pay the mortgage and arrears as the property was in negative equity. Now 5 years later unfortunately me and hubby are splitting up and neither of us wants to remain in the house. The question I have is when the house is finally repossessed and sold am I correct in that any mortgage shortfall will then fall into both our Bankruptcies?

Thanks in advance