| T O P I C R E V I E W |
| Dazza |
Posted - 08 November 2009 : 13:19:52
hi all
got some questions about a previous bankruptcy I had in 2002,
back then I managed too run up debt of £32.000 at the time I was receieving two benefits which were income support and also DLA. I dont my telephone interview with the OR. who I must say wasnt the nicest of people and then I was discharged in 2004 from these proceedings.
A while after discharge I went and applied for credit as I was living with a partner at the time until they got up and walked out and left me too pay the bills in my name unfortunatly I have now tied myself into another financial mess and I feel my only way out of this is a second time bankruptcy I have been told I could have a Bankruptcy restrictions order put on me but that I understood.
Would the OR the second time look at my application in bankruptcy in alot more detail than they did the first time and wonder how I managed to get further credit so soon ?
I am slightly worried about it but feel its my only way out
Could someone kindly advise me where to go or what to do from here
many thanks
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| 7 L A T E S T R E P L I E S (Newest First) |
| RHB |
Posted - 10 November 2009 : 07:30:27
You could be at risk for fraud but I would think it unlikely it will be pursued. |
| Dazza |
Posted - 09 November 2009 : 19:59:12
quote:
Originally posted by kallis3
She should not have done that.
You can tell the OR, but I imagine that unless you can prove that this happened they may think that you are the one who said no.
The glimmer gets brighter all the time
Jan
xx
Thank you for the last message post jan :) I suppose I can talk to the OR but these people are prety stuck in there ways from what I understand and seen the first time I went bankrupt
Is it a possibility I could face fraud charges if they thought it was me who said no I am really upset angry and frightened over this as this could lead me a prison sentance for something I didnt do surely ?
The amount on the card was £500 when I did the initial application but then after the months the credit limit went too £1000
the question is could I be in alot of trouble over this ? |
| Niobe |
Posted - 09 November 2009 : 11:04:31
She should not have done that.
You can tell the OR, but I imagine that unless you can prove that this happened they may think that you are the one who said no.
The glimmer gets brighter all the time
Jan
xx |
| Dazza |
Posted - 08 November 2009 : 18:06:21
quote:
Originally posted by RHB
How do you know she put down no on the application, did she tell you that is what she was going to do?
yes she did otherwise she told me if I had disclosed it i wouldnt have got the card |
| RHB |
Posted - 08 November 2009 : 16:55:29
How do you know she put down no on the application, did she tell you that is what she was going to do? |
| Dazza |
Posted - 08 November 2009 : 13:42:46
quote:
Originally posted by debtinfo
Hi you would not get a BRO/BRU for that particular reason as the New rules came into force in 2004. The OR will probably look into your case more carefully this time
One the applications for my credit card I applied for at the time I am a bit worried over
it was a credit card for people with bad credit ratings and the intrest was the earth, However when I did application for it on the telephone one of the questions were had I ever been Bankrupt before and I told the lady on the phone yes I had and she put down no on the application. I cannot remember having the credit card agreement through the post for me to sign but even if it was I did not get a copy of the initial application anyway
Would I have anything to be worried over here ? |
| debtinfo |
Posted - 08 November 2009 : 13:33:26
Hi you would not get a BRO/BRU for that particular reason as the New rules came into force in 2004. The OR will probably look into your case more carefully this time |
