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| T O P I C R E V I E W |
| Johnpol |
Posted - 11 August 2011 : 23:27:03
I was discharged after being made bankrupt in july 2008 but there are debts still showing in my credit report. I thought my debts would be cleared after being discharged. Do I need to contact the lenders to notify them that I was made bankrupt? Can I apply for a mortgage now, 3 years after being discharged? Many thanks |
| 4 L A T E S T R E P L I E S (Newest First) |
| Niobe |
Posted - 13 August 2011 : 19:32:06
You could try a whole of market broker but you would need a hefty deposit.
I do know of someone who completed an IVA early but with a 50% deposit she was able to get a mortgate
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
Jan
xxx |
| Richard P |
Posted - 12 August 2011 : 18:08:19
in current market mortgages are virtually illegal !
but yes with the right contacts you can get a mortgage but expect to put down a large deposit or have a partner who has reasonable or good credit rating
Good Luck Richard,
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| Bigal4787 |
Posted - 12 August 2011 : 17:46:14
Hi Johnpol,
regarding your credit file look at this link,as it gives some useful advice plus template letters to send to creditors to clean up your credit file:
http://forums.moneysavingexpert.com/showthread.php?t=677875
hope it helps!
Big Al
Insolvency examiner with the Insolvency service from April 2008 - July 2010.
If you need help completing SOA's(statement of affairs) or PIQ's(preliminary information questionnaire) if you've been declared bankrupt, or anything else and you're within 30 miles or so of Warrington, then please contact me via my contact details in the expert page for futher details"
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| Viki.W |
Posted - 12 August 2011 : 07:11:42
Hi,
The debts will show for 6 years from the date of default which should be no later than the date of your bankruptcy. If there are default dates later than that then you need to write to the creditors.
The bankruptcy will stay on your file for 6 years from the date of your bankruptcy.
I doubt you will get a mortgage until that time, but if you have a large deposit, then all you can do it try.
Good luck and let us know how you get on.
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/ |
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