Business in trouble - closed it down - got another job - went bankrupt - out...
Hi guys and gals. Lookin for some advice and guidance on best way forward for my business I'll outline my position Sole trader in business over 5 years in retail Through various different cash flow...
View ArticleCabot Financial letters 5yrs after discharge from Bankruptcy
Hi, I'm hoping someone can help me with my query please. I went bankrupt in the UK in February 2014. All debts were included in my bankruptcy and I was discharged in 2015. Since then a couple of...
View ArticleJudgement 12 year end point?
I need advise on a judgement mortgage with the following timeline: 1. Summary judgement granted to bank in 2010 for an investment property debt. 2. Judgment registered on investment property in 2011....
View ArticleCredit union loan write off and credit score
HI Folks , Please i need advice on my case , I taken out local credit union loan for 10k in 2015 which unfortunately write off in same year , I repaid the loan back in 2019 and had verbal agreement...
View ArticleNegotiating statute barred debt
Hi,I have an ex MBNA debt of 20k that was sold to Cabot Asset Purchases. The last payment made to MBNA was about 6 years ago,and the central credit register shows the debt to be in excess of 100 months...
View ArticleCredit Report adjustments post insolvency
Can anyone shed any light on this matter - as we all know, there are 2 credit reference agencies now. Insolvency or not, each credit agency holds the info on any borrowings for 5 years after their...
View ArticlePost bankruptcy. Bank has not repossessed house so still liable on icb...
Hi My husband bought a house with an ex girlfriend in 2006 and they emigrated in 2008. Husband came back 2 years later but ex stayed. They have two children. Ex has no interest in house and doesn’t...
View ArticleArrears added while in negotiation for new agreement
I have a rental property that I have been paying interest only upto 2010 and from then on we agreed an amount that we agreed after negotiations for period of 2/3 years at a time,from 2015 April to 2018...
View ArticlePossibility of mortgage after Personal Insolvency?
Hi there I hope someone might be able to help. I know Personal Insolvency is a very new area and this seems to be causing me some major issues when trying to get answers. I will try to make this story...
View ArticleBank Refuses to Amend Incorrect Internal Record
Interested in opinions on this, BOI wrote to me around 2014 and said if I agreed to basically Give up my bank account with them then they would no longer seek a credit card debt I had with them. I...
View ArticleMortgage Application post Bankruptcy
Hi, I know similar questions have been asked before around this topic. My now husband was discharged from Bankruptcy in Feb 2018. Prior to entering Bankruptcy the house he owned with an ex partner was...
View ArticleAIB redress sent to my PIP
Hi Brendan, I contacted AIB today as I hadn't received any notification regarding the redress due the end of August. I was one of the people who received the 1615 previously. This was posted directly...
View ArticleCentral Credit Register - Time active
Hi, The Central Credit Register seems to hold "bad debt" in your report forever? Well, as long as the institute deems it still to be "active"? Regardless if statutory limitation of 6 years has passed...
View ArticleBig change in Personal Insolvency legislation is coming. Anyone who has gone...
The Government will shortly introduce legislation that will make it possible for people who have gone into mortgage arrears because of Covid-19 to seek a court review of their proposed Personal...
View Articlerefund of deposit on holiday
I paid a deposit of 350 euros to a holiday site for single parents straight in to their bank account last December. they went bust. small claims were unable to retrieve anything , neither was the...
View ArticleBelgard Solicitors
Hi all... looking for some advice on how to proceed here... received a notice for claim from Belgard Solicitor on behalf of Avant for credit card debit. It was dated April but only received by...
View ArticleHouse valuation 3 years post bankruptcy.
So, hoping everyone is well, and avoiding this virus. So come January 2021, I will be three years post bankruptcy. I believe the insolvency service are due to value the family home (50% stake) anytime...
View ArticlePost-discharge ICB Report
Hi all, It's been a while since i posted here. I went bankrupt in the UK and was discharged in April of this year. I requested an Irish Credit Bureau report to check that my creditors weren't still...
View ArticleComing back home with unsecure debt
Hi guys, Just putting this here as this forum has great opinions and advice. I have bought a property with my ex-husband who fled the country a few years later leaving me with an unsustainable...
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