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Bankruptcy / Re: Gift from Parents after discharge but while in an IPA?
« Last post by jono987 on Nov 15, 2017, 11:10:36 AM »
Good morning Lisa thanks for your response,

I am due for bankruptcy discharge December but will be in an Income Payment Arrangement for two years after this :) So i meant bankruptcy IPA not IVA.

Bankruptcy / Re: Gift from Parents after discharge but while in an IPA?
« Last post by Lisa Thomas on Nov 15, 2017, 10:48:12 AM »
Hi Do you mean you are in an IVA Individual Voluntary Arrangement?  Or do you mean you are bankrupt and subject to an Income Payment Agreement?
Bankruptcy / Gift from Parents after discharge but while in an IPA?
« Last post by jono987 on Nov 15, 2017, 09:33:45 AM »
Hey everyone, my parents have some money saved for me, around £15k. Im due to be discharged in December. If they give me it in January and i put it in an ISA, will the OR take it because im still in an IPA? Or will they just take the interest earned from it? Thank you!
Hi if you paid before the Bankruptcy hearig presumably the bankruptcy hearing was withdrawn and you were never made bankrupt?

The 'marker' you are referring to is known as a restriction and you can verify this by ordering an 'office copy' from the land registry for a few £.  However if you were not made bankrupt a bankruptcy restriction would not have been placed over your house.

If however a creditor obtain a CCCJ and a charge over your house they should remove it after payment was made.
Bankruptcy / Bankruptcy paid before court case. was a marker put on my house?
« Last post by qwerty123 on Nov 12, 2017, 10:11:32 AM »
Hi All,

I had bankruptcy proceedings issued against me. I was lucky and was able to pay by the court date.
I did attend the hearing and as i paid it was fine. I did not use a solicitor.
How can i find out if a 'marker' was put on my house?
What is this 'marker' called?
How can i clear this marker?

Dealing with Debt / Re: assistance me with my issue
« Last post by Lisa Thomas on Nov 10, 2017, 03:00:42 PM »
What issue do you need help with - you have not explained so I cannot give you any advice...?
Dealing with Debt / assistance me with my issue
« Last post by WendellHedly on Nov 10, 2017, 11:25:59 AM »
Again, I uncover countless exciting people today and matters to debate listed here.
Should you still have some thoughts still left - feel free to write me.
Dealing with Debt / Re: DRO
« Last post by Lisa Thomas on Nov 10, 2017, 09:19:18 AM »
The terms of your existing tenancy agreement will say whether you can be evicted due to a DRO but I would find that unlikely.  Getting a new lease with a different landlord may be a problem if you have a DRO as they might do credit checks and be put off. 

You may need to use a private landlord who doesn't do the checks or is more accommodating, or get someone to be a guarantor for you. 

Make sure you have taken advice that a DRO is the right option for you before you sign up.
Dealing with Debt / DRO
« Last post by prescotmunn on Nov 09, 2017, 03:53:35 PM »
Hello, I am thinking of taking a debt relief Order, as struggle with mental health, financial issues and health. If I take a DRO can my landlord evict me if he wants too? I live with my wife and we rent. Also in future will it stop us renting somewhere new?
Dealing with Debt / lloyds bank daily overdraught charges
« Last post by debs on Nov 09, 2017, 02:27:57 PM »
does anyone else live in their overdraft and are now completely crippled by the daily fee of £1.35 (or thereabouts depending on your balance owed) which actually takes you over your overdraft when your pathetic minimum wage goes in at end of the month half of it is gone before it even goes in?????

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