Bankruptcy & Living With It

A question about : Discharged for 10 years

I’d like some advice please.

My partner and I are looking to move away and rent a house.

I’m more than aware that Bankruptcy can affect the chances of getting a Landlord to take us on.

I went Bankrupt in 2004 and was discharged in 2005. It is no longer on my Credit File as I have checked.

A question about : Ask a StepChange (formerly CCCS) counsellor a bankruptcy question

StepChange Debt Charity (formerly CCCS) has several counsellors answering questions in our forum.

There are three ways to contact them:

1 - To ask them a question please post it below and James, Mat or Rachel will post a reply here.

2 - If you would prefer to ask a question in private you can send a private message to StepChange Private Messages and one of the counsellors will get back to you.

A question about : Negligent builder gone bust!

Let me explain my scenario. I am looking at bankruptcy from the other side...

About 4 years ago, I had an extension built to my house by a builder who operated as a sole trader. Subsequent to the completion of the build, I started to have issues with water ingress which he fixed. Further down the line I had the same issue and as I couldn't get hold of the original builder, I got another roofer to take a look.

A question about : Bankruptcy Credit Reference File Clean Up

If you wish to discuss the Clean up of your Credit Reference Files and don't wish to start your own thread, then please use this thread.

Thanks.

A question about : Unforeseen expenses when BR

Hello, I have one year left of my IPA, since it started my car needed repairing, I spent over Ј600 and the mechanics couldn't get to the bottom of the issue so I swapped my car for an older one that worked. A year later my 'new' car needs expensive repairs and I've been advised to scrap it. I am now buying a car tomorrow for Ј1400 (I need a reliable car for work and do lots of miles).

A question about : IPA finishes this year....

do I get any letter or notification confirming it has come to an end? I am currently on NIL payments....

A question about : Credit Reference File Clean Up Post Bankruptcy

This information was originally posted by TalbotWoods on the 'Debt Questions forum'.

Many thanks to him for the excellent work and info.

This text may be edited to keep it up to date.

In this thread:

Post #1 - Credit Reference File Clean-up post bankruptcy.
Post #2 - Letter to former lenders post bankruptcy.
Post #3 - How to raise a complaint with the Information Commissioner.
Post #4 - List of Data Controllers.

A question about : nt IPA questions

Hi all,

I am due to be discharged in may and have an nt IPA. Am I right in thinking that this only runs until the end of the financial year?
Therefore my last payment will be April 1st?

Will it needs to provide proof that the tax is being taken, i.each wage slip, or do I just cancel the standing order for Clarke Wilmot?

Thanks