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I was declared bankrupt in England in April 2014 and subsequently discharged 1 year later. I recently ordered my ICB and the only thing showing is my mortgage arrears. It has a last update date of May 2014 and a scheduled removal date of May 2019. What is shown is the number of arrears at this...

Not sure if we're forbidden from bidding. I wouldn't imagine so but we would only be given the 1k cheque from the OR once the sale has completed. So apart from it being a very awkward and unnecessary process to go through we couldn't afford that cash up front. Yes, the VRT issue adds a premium...

No, they £2,900. If they lifted the car the OR would give us £1k to buy a new car. Dont know about us being able to buy it back

Hi Samwise, Yes no problem would be glad to help anyone who is in our situation. Do you want to setup a separate thread and ask any questions you like and we will help you the best we can. It means other people can easily find it too.

We wrote up a letter detailing everything. We went to a number of car dealers and got valuations, all of which were lower than the receivers agents valuation. I mentioned the likes of loosing out on insurance, tax and also that it would be difficult to find another car for 1k that is safe...

Thanks Suarez. That is an excellent help. I am drafting up an email to the OR at the minute so hopefully he will be considerate. Will let you know how we get on.

Thanks Suarez for the advice. Statements were handed to him today he didnt go through them with is there. No IPA for us which is great but as per thread just posted we are having a bit of issue regarding car.

Yeah find that a bit strange myself. We can keep car if under 2k but then if over they will give us 1k back. We don't agree with the valuation they are giving of 2900. He did said on the admin side of things he was willing to allow us if it was 2000 as that would be the absolute limit. He...

We had our interview with the OR and all went well except there was a question over the cars value. The car was a category D write off with extensive body damage when we bought it but it is drivable. We used a number of online valuers to get a quote for value of car and they were are coming...

Hi there, Just wondering what the OR looks at when looking through your 12 months of UK bank statements? I have the 12 months here in front of me and they are all bills, rent, weekly shopping, petrol but then there are things on it like cinema trips, take away or a meal out on the rare...

Probably worded it wrong, I guess I mean it's not reducing quickly. It would be about 6-7 years before being cleared as a best case scenario. That doesn't include clearing mortgage arrears. MABS negotiated a reduction of monthly payments, no write off, so that lengthened the payment periods.

Personal and income details Income self: 42k Gross full time employed Income spouse: 38k Gross full time employed number of children: 0 Amount of Mortgage Interest Supplement received: not sure but have had mortgage 5.5 years and had TRS since beginning Home loan Lender: UB Amount outstanding...