| T O P I C R E V I E W |
| cabbageptch285 |
Posted - 09 June 2011 : 15:15:41
Hi
I have been discharged from Bankruptcy for about 20 months now , I have spoken to a couple of lenders and no one would come near me at all , I am looking to buy a house and have a decent deposit will this get better at all or am I doomed for 6 years? |
| 13 L A T E S T R E P L I E S (Newest First) |
| debtinfo |
Posted - 10 June 2011 : 18:04:28
First dont worry you are not liable for the debt.
You can ask the court to rescind the CCJ on 2 counts
1. You should have received the court paperwork and didnt so could not defend yourself.
2. You were bankrupt at the time
you need to ask the court how t make an application to do this |
| cabbageptch285 |
Posted - 10 June 2011 : 17:20:15
There is a twist to the tail , CL Financial not sure if I am allowed to mention them please correct me if I can't , the bought over the debt from HSBC bank , they are now saying when I called them that they did not receive any notices at all and they were not notified , and the receiver is saying we quoted HSBC bank not CL Finacial , and the company that helped us with the petition, did not put CL financial and we gave them these details and they have admitted this now , so now we do not know were we stand so I stand to potentiall pay back £40000 not sure if were this will lead to I never received the paperwork for the CCJ that was issued in 2009 so all in all I have no idea what is going to happen I am really scared |
| glafy |
Posted - 10 June 2011 : 16:50:11
Good link Viki.
I've just read through it. Very handy to keep on file.
"Good things come to those who wait".....I'm a patient person but this is taking the Mickey!! |
| Viki.W |
Posted - 10 June 2011 : 16:05:06
Ok, here is a link with some instructions for what you need to do. If you've logged on to experian, they will actually do this for you too.
http://forums.moneysavingexpert.com/showthread.php?t=677875
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/ |
| cabbageptch285 |
Posted - 10 June 2011 : 15:23:21
Hi
I have just been in touch with the receiver of revenue , she said that the court should never have granted the CCJ's as the debt was included in the bankruptcy , I have called the company and they said they will not amend their records and they will keep it that way
This is a disaster |
| Viki.W |
Posted - 10 June 2011 : 15:03:20
You need to write to them and tell them to alter their entry to satisfied and the default date can't be any later than the date of your bankruptcy order.
This happens a lot so don't worry, it can take a while to sort out though.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/ |
| cabbageptch285 |
Posted - 10 June 2011 : 14:48:32
Hi
I just checked further and the company that is listed also raised a judgement against my name a month after I was declared bankrupt how can this happen ? |
| cabbageptch285 |
Posted - 10 June 2011 : 14:33:39
Hi
I have just viewed my credit report and three of my debots which was declared under the bankruptcy and which was written off with the rest of the debt has entered a default on my credit report , can they do this is this not to be removed at all how long will this stay there |
| cabbageptch285 |
Posted - 10 June 2011 : 08:31:09
Hi
Thank you for all the information , we have a £18000 deposit , thanks to completing my degree and having a good job now so we are going on well I could potentially save and buy a car cash but it is important I start working on my credit rating again as well as my husband. All in good time I would think. |
| Niobe |
Posted - 09 June 2011 : 21:35:21
Totally agree that you would have been worse off on a DMP. As debtinfo says, you can apply for a mortgage, and I would try a whole of market broker, but it's unlikely that you will get one at the moment.
The world is broken, halos fail to glisten
We try to make a difference but no one wants to listen
Hail the preachers, fake and proud
Their doctrines will be cloud
Then they'll dissipate like snowflakes in an ocean
Jan
xxx |
| debtinfo |
Posted - 09 June 2011 : 18:04:39
of course You can apply for a mortgage, they dont have to give you one, but you can apply, BTW you probably wouldnt get one on a DMP either and that would stay on your credit file longer.
How much of a deposit do you have |
| cabbageptch285 |
Posted - 09 June 2011 : 16:05:07
Hi
Thank you for that , I was advised differently , they said I would be able to apply for a mortgage straight after six years is a long time to wait to be able to buy a house , if I knew this I would have stayed on the debt management plan, Bankruptcy was made to sound great as a way out by the agency I used , and it has been the most difficult and demoralising time of my life , |
| Viki.W |
Posted - 09 June 2011 : 15:59:32
Hi,
I think that you will have problems until BR drops off your credit file. Just make sure you clean up your credit file beforehand so that as soon as BR disappears you are ready to go. Hopefully you will find a good deal at that point.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/ |
