Dealing with the Official Assignee - Some questions!
For 6 years I've fought this and I can't do it any longer. My health has deteriorated, I've been depressed for a long time and I'm getting too old to be carrying this kind of debt and pressure. So I'm...
View ArticleAny self employed Bankruptcies
I'm trying to find a self employed person who has been through the bankruptcy process who would be willing to answer a few questions. What kind of accounts does the OA use or is it a tax return to...
View ArticleThe rate of interest on judgements has now been reduced from 8% to just 2%
The Courts Act 1981 (Interest on Judgment Debts) Order 2016 (SI No 624 of 2016) came into operation on 1 January 2017. The effect of the Order is to reduce the rate of interest payable on judgment...
View ArticleIsn't bankruptcy better than a PIA?
In another thread on here Brendan Burgess urges a poster to go bankrupt as soon as possible "before business picks up and the PIP starts investigating a PIA." This is a crazy state of affairs! In its...
View ArticleGetting a mortgage after bankruptcy
Hi all, Does anyone have any experiencing applying for credit (specifically mortgage) in the ROI post bankruptcy? Rather than a business going bankrupt, I'm looking at it from an individuals angle. I...
View ArticleDischarged from bankruptcy-My experience.
It is now two months since my wife and I were discharged from bankruptcy and having gone through the last eight years of trying to avoid registered letters, solicitors demands and numerous 'phone calls...
View ArticleSummary of the No Veto PIAs for keeping your family home.
Brendan I have "cut & pasted" the below from our website: The amending legislation removing the creditors' veto in a PIA passed all stages in the Oireachtas, and was signed into law by the...
View ArticleHelp needed for bankruptcy
Hi, I would be grateful if someone could give me some advice of who best to go to for going bankrupt and what cost is involved, am a sole trader with estimate 100k owed to revenue and around 50k owed...
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How are tracker mortgages treated in No Veto PIAs?
I am helping someone on a low income who is struggling with a €200k mortgage. But it's a cheap tracker of ECB +1%, so the repayments are "only" €800 a month. The house is worth only €120k. He is not in...
View ArticleBank sold my loan
hi I had a loan with acc , they sold out , I havnt had a phone call from them in years , just one annual statement , I've paid nothing for six yrs , it was a business loan but secured against a bit of...
View ArticleIs Insolvency the only option in mortgage debt write off?
I am unemployed, on social welfare, legally separated with no assets. My mortgage for the family home, which has been unoccupied since 2012 was with Ulster Bank and now is being dealt with by Cabot...
View ArticlePower of Attorney post bankruptcy
Simple quick question... Once you have been discharged from bankruptcy, can you hold power of attorney for someone? My father in law's solicitor is unsure if my wife can hold it for him or not. Thanks. S
View ArticleBankruptcy
Need help on bankruptcy in Ireland.New to this forum. I have two judgements against me from a bank in Ireland.I have no assets.I work in the Uk for the last two years.Thanks for looking.
View ArticleReceiving cash from family while bankrupt
My brother is currently bankrupt. I've lodged money into his account (a few hundred here and there every few months) to help out. Is there anything wrong with this from the OA point of view? I'm...
View ArticleStatute of Limitations Debt Not Registered
If a court grants a judgement against an individual (over 6 years ago now) but the debt was never registered (ie- it's not showing up on a search for judgments etc), does the statute of limitations of...
View ArticleJudgement Mortgage Discharged
Hi. I've just received a letter from my bank's solicitors, saying that their clients have advised them, as an exception, to now close their file & not pursue the balance remaining. They go on to...
View ArticleICB - credit card due to fall off April 1st
Hi Guys I've an old credit card facility that was closed in 2012 and "scheduled deletion date" per my ICB is April 1st 2017. I'm just wondering if I run a check on myself on April 2nd, will this have...
View ArticlePIA agreed but cant sell Bulgarian property
Hi all, After almost 9 years of worry I eventually agreed a deal with my banks where I retained the family home (full mortgage) and lost the rentals all for €19k downpayment which is what I could get...
View ArticleICB report - what should it show DURING PIA?
Hi all, Have a 1 year PIA in place. It's got about 5 months to run. I've paid my lump sum and surrendered a property. What should my ICB show for my creditors? Does it have some kind of pending...
View ArticleBankruptcy; Where from here?
Hi all, I've been cleared from Bankrupcty Nov 2016. And have monthly payments of €138.00 to PIP until 2019. Ive managed to save a few quid each month by scraping and cutting back . I was entitled to...
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