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 bankruptcy postbag for may
 Debt dates etc
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hammy0107
Junior Member

399 Posts

Posted - 26 May 2008 :  20:06:21  Show Profile  Reply with Quote
Most of my debts are from 2003 to 2004 and i have no paperwork relating to agreements etc. On SOA what do i put for dates? Should i get a credit report from experian / equifax etc, do they show dates of agreements / defaults etc?

melanie_giles
Senior Member



1191 Posts

Posted - 26 May 2008 :  20:57:44  Show Profile  Visit melanie_giles's Homepage  Reply with Quote
Just try and make the best estimate you can - at the end of the day the OR can get this information directly from creditors if they deem it necessary.

For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com
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Viki.W
forum expert



United Kingdom
2211 Posts

Posted - 26 May 2008 :  21:32:39  Show Profile  Reply with Quote
Hey hammy, if you register with www.annualcreditreport.co.uk/ it lists your lenders and start dates. It's free if you want to wait for the report to be sent to you, or you can pay about £1.50 to view it straight away. I had a look at mine the other day, worth a look. Hope that helps. Good luck. Viki X
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Viki.W
forum expert



United Kingdom
2211 Posts

Posted - 26 May 2008 :  21:35:36  Show Profile  Reply with Quote
Oh , just wanted to say hammy, that I remember your story from the iva site, I'm so glad that you are getting everything sorted so you can move on. I really do wish you all the best. Viki X
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m and v
Average Member



United Kingdom
760 Posts

Posted - 27 May 2008 :  13:53:43  Show Profile  Reply with Quote
Hi Hammy
I got a free credit report with experian.
Its free for 30 days so you need to remember to cancel it or you pay £6 or there abouts.
It list all the gory details about all your debts - dates, amounts etc.
You can get the report online in seconds!

Vicki x
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JulianDonnelly
Junior Member



United Kingdom
325 Posts

Posted - 29 May 2008 :  10:01:03  Show Profile  Visit JulianDonnelly's Homepage  Reply with Quote
Hi Hammy,

when completing the SOA, the golden rule is that if the debt is less than 12 months old, the date the debt was taken needs to be as accurate as possible. Over 12 months old, the month and/or year should suffice.

Regards

Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
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