Bankruptcy & Living With It

A question about : Bankruptcy

I wrote on here a few months ago reference my debt and have since confided in my partner as to just how bad things are, she was fantastic and wish I'd been more honest and upfront before, but unfortunately pride got in the way.

A question about : Please reply I need advice

Hello,
I wrote on this forum and did not receive any replies or advice. Please see below

I am writing in relation to an old debt that I did not have a clue I had and now received a letter from the debt owner (an old mobile phone provider.) threatening to send my unpaid debt to a collection agency, Lovell??) I completely forgot about this debt, but the details are below:

A question about : utility bill from old address

Hi , hope everyone is well , I'm back for some advice . everything has been plain sailing since my BR august 2013.

However just recieved a letter from LCS on behalf of British gas chasing over Ј14,000.

I moved out of the property July 2013 , and stopped paying mortgage in prep for my BR in august. And told Nram to reposess. I told British gas and they closed my account for that address, and opened a new account at my new rented address.

A question about : Scottish trust deed almost done...

Next month will be my 3 years up and is my final payment. Wow what a journey but I made it!
My question is : I want to improve my credit, so my intentions are to get a credit card ( will be careful this time ) and pay it off in full each month. I have a basic bank account ( no overdraft ) and I would like to open another one for savings, credit card money etc. I have no desire for overdrafts..
When should I apply for these? Wait until the last payment has been met or start to apply now?

Thanks

A question about : Mortgage after Bankrupt

Hi was just looking for some advice,

I went bankrupt 5yrs ago April and had my house repossessed,

My current partner who has no financial issues in the past and I want to buy a house together.

We have a decent deposit and can afford what we want biggest question is

Can it be a joint mortgage due to my bankruptcy ?

My partner will not get the mortgage just on her income so I need mine to be included

Any help would be grateful

Thank you

A question about : Harassment after bankruptcy

A question about : Bankruptcy and ccj advice please

Hi
This is my 1st post so I'm hoping i have not typed in the wrong place.

I have managed to get my bankruptcy annulled (on the grounds that it should never of been made) Can anyone advise how i now get my name off the insolvency register now i have the annulment agreed.

A question about : Lost documents

I was made bankrupt in March 2011 and discharged in 2012. I have moved several times since then and have lost my documents.
Can anyone tell me how I can get hold of them as I see I will need this information to begin cleaning up my credit file.

Thank you.