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amanda28
Starting Member
United Kingdom
4 Posts |
 Posted - 09 June 2011 : 16:14:37
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| Is there life after being discharged from bankruptcy no one will even look at giving me credit , I am desperate for a car and is a tennant and they are asking for Guarantor which I do not have is there any hope? |
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theguvnor
Junior Member
100 Posts |
Posted - 09 June 2011 : 17:18:18
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| Be careful about getting credit after br. I have been discharged a year and a half and have a clothes catalogue a/c with a 1k limit after paying it off each time I brought an item. I also save with a credit union who Previously offered me a loan and I have something similar to an overdraft with. These are all things I use to build up credit but am still in process of cleaning credit file. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 09 June 2011 : 18:13:56
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Don't forget that your BR will remain on your credit file for six years after the court appearance.
You could try
http://www.duncton.com/ApplyOnline.aspx
High apr but they are very IVA and bankruptcy sympathetic.
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
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cabbageptch285
Starting Member
United Kingdom
9 Posts |
Posted - 09 June 2011 : 19:17:20
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Hi
Thank you for the advise , I have not applied for any credit at all , I am only looking forward to buying my first home, I think patients is at the order of the day , you were talking about buildng credit how can I do that to show trust in me again , any suggestions is welcome
Thanks
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 09 June 2011 : 21:06:52
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You can rebuild your credit record by making sure your bank account is kept up to date and if you have a mobile phone contract then that should help. You can try and apply for a Vanquis credit card (high APR but if you use a little each month and pay it off straight away that should help) If you get a car via Duncton then that will also help.
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 |
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moneybarn
Starting Member
United Kingdom
2 Posts |
Posted - 23 August 2011 : 09:55:13
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Hi All,
Just a quick reply to the post to let you know that from this month, Duncton changed name to moneybarn. Our website is www.moneybarn.com - if you need any help or have questions relating to car credit either during or after bankruptcy (and IVAs) please let me know - I'll be happy to help.
moneybarn is the UK's leading specialist car finance company, offering a sympathetic, ethical and secure service to customers with unusual circumstances or impaired credit including IVA/Bankruptcy |
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xmas baby
Average Member
537 Posts |
Posted - 24 August 2011 : 16:34:18
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Hi Amanda,
Not sure about car credit, but I am moving to a new rented property in the next few weeks and was accepted by a well known letting agents without the need of a guarantor, which surprised me as my credit is ruined for the next 4 years even though I am now discharged. It is well worth going and speaking to them about your situation as you never know what they will say and you don't know until you ask. I delayed it for months, but I am so glad I did it now and they were completely understanding of my position. You need to be completely honest with them about your bankruptcy though. There is hope for those of us renting though. I am living proof.lol.
Good luck.
xmas baby
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 24 August 2011 : 18:59:28
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I don't think Moneybarn ask for a guarantor but you have to put down a decent deposit. Not heard of anyone being turned down.
Not sure if Amanda is actually asking about renting a property - at least not on this thread.
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
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Discharged from bankruptcy no one will give me credit
