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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by fenny99[/i] [br]1 I have a car loan with ( un) welcome finance for 5000 2 I have personal loans with ( un )welcome finance for 3000 I have just moved and ignored these debts I think I have ccjs for the ( not 100%) when I signed for these loans I needed to put on the forms two people that knew me and get them to sign the application . I filled in two people that did know me and signed there names instead of getting them to do that ( they are not guarrentees ) just if I default a way of tracking me down . Q 1 is this fraud . q 2 if so will I be able to include this if I file for bankrupsy It has been nearly 6 years since I made a payment but I think they have a ccj on my previous address Also a while back I filled in a tax return and had a rebate , I was then investigated and had to repay the money ( which I HAVENT DONE ) Q CAN THIS BE INCLUDED IN A BANKRUPSY Also I have done a few runners fron flatts in the last 6 years one I left in a bit of a mess where my rabbit had eaten the walls and carpet . If I go bankrupt can these debts be included in bankruptsy Also last year I had a tax rebate of 2500 it was for claiming lodge while working away , I wasnt actually lodging I was sleeping in my van , I filled in receipts myself for fictisious bed and breakfasts If I am investigated can this be included in bankrupsy Also credit cards maxed out never paid 3 overdraugts in 3 seperate banks 1500 each ( statue barred now ) 10 years ago council tax I owe 1000 plus same can this be included If I owe money due to fraud I think about 1500 pounds can this be included all together about 20000 I have a history of getting into debt and not paying it back can this be consituted as fraud ( I have made some repayments but then seem to get into difficulty ) [?] [?][?][:(][^][:(!][xx(][:(][;)][:o)] gareth fensome [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.