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sjbyron
Average Member
United Kingdom
746 Posts |
 Posted - 11 December 2008 : 22:52:35
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Hi
Ive just got a copy of my credit report and
Solutions finance who I owed £3295 to is showing as settled in February
Alliance and leicester who I owed £750 to is showing as settled in October 2006,
What should I do?
Stu J Byron |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 12 December 2008 : 06:05:07
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Hi Stu
Have you actually paid these yourself?
Jo
x
18 Weeks down
34 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 12 December 2008 : 09:38:20
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No Jo I couldnt afford to, looking back at my IVA report they didnt vote either,
to air on the side of caution I Have included them on my SofA, is that the best thing to do?
Also to change the subject slightly my Car HP agreement states that if I enter into an IVA or Bankruptcy they may cancel the agreement, they never did with my previous two IVAs so do you think I will be safe in Bankruptcy?
Thanks
Stu J Byron |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 12 December 2008 : 09:47:57
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Hi Stu
Yes include on your SoA better to be safe than sorry, the Car i would double check with them that they will allow you to continue with the finance once you are declared BR that way you will know for def as its down to them to whether they will let you continue and ultimately then down to the OR if they will allow the payments, but the OR wont want any extra debt so as long as the HP co are happy and its not excess payments then you may be ok.
Hope that helps
Jo
x
18 Weeks down
34 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 12 December 2008 : 10:50:05
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Thanks Jo
I Was going to wait and see with the car, its only £101 a month and ends in December 2010.
As they didnt take action in the IVA, and it is in negative equity now, hopefully I will be ok
Stu J Byron |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 12 December 2008 : 11:03:55
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Hi Stu
All you can do is wait really and then you will know.
I would not worry though as i would imagine that the OR should agree to the repayments on it and then hopefully fingers crossed you can keep it.
Do take care
Jo
x
18 Weeks down
34 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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A question for Jo and the other experts
