If you have started a debt management plan with step change (in the considering process) Then after this arrangement has been set up, How many days does it take for the debt companies that the creditors have used to chase up the debt...how many days does it take for them to STOP hassling, and phonin...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Foggy Some will go as far as hiring investigators to watch you go in of an evening and leave in the morning for several days. They stay in a car, watching you at them times? or do they even follow you ...

Debtors, "We have confirmed that you live at this address" - How do they find out ? When speaking to a debt company, they said that companies that debt is owed to (credit card, load debt) after 4+ months of not paying, and ignoring their phone calls and letters then they can send letters which say "...

If you are bankrupt and if barclays were a creditor included in the barclay card (in a loan, not their credit card) do they usually offer credit cards to ex bankrupts ? (as they offer a basic account to them) do they : a) ] offer a barclaycard to the ex bankrupt customer, after the discharge period ...

and what about the London Gazette?

BR Start- 12 months, undischarged While BR- After 12 months = discharge, BR Lasts - 6 years, BR is on your credit file for 6 years. What happens after year 6/7? in terms of Notes being on your 3 credit files, and notes being removed regarding your bankruptcy. Do the BR notes come off completely ? o...

What can a Bank Debit VISA card NOT DO,that a credit card can do? Traveling Abroad? If you have a bank account card, (for a basic bank account - no overdraft etc), which has the 16 digit Visa debit card or a credit card, Then what can the Credit card do that a Visa debit card CANNOT do ? - Especiall...

There have been alot of negative things from Cifas, such as after getting it, they can close your current accounts?/ or remove your overdraft facility. or when applying for credit in the future, it will be rejected (even if your credit file is good).. something about assuming you are a fraudster? wh...

For your discharge period, before you go into it, and the OR in the OR interview asks you for a bank account to be remained open for your -income, bills, etc to be used for, He writes a letter to the bank asking for the bank account to be used, etc. What if this bank account you wish to be left to b...

If as a discharge BR your currently have a bank account, which the OR/bank has allowed you to remain open, for your income, bills etc to be paid into. Then after 2-4 years after being discharged, and you want to open another bank account, a basic one, with the other banks, then is there more change ...

When you purchase your credit files, Equifax, Experien, and see your whole credit files, and then if you apply for say a current bank or a saving account with a bank, and they a check your credit files too. Then how do they view your credit files? - Do they actually access your full credit file, and...

Can store cards be included in bankruptcy, such as: Sainsbury’s store card Tesco store card Burton Store Card Argos Store card + many/all other types of store cards? Where you purchase the item online (clothes, electric items, toys etc). and they bill you 28 days after. Ie, you get goods first, (upf...

In regards to being accepted for the barclay cash account or rejected... ..as as this decision then does it matter if you have debt with Barclays, loan and an overdraft in minus (-)? ie does it look that the person can't manage their current finances 'within' barclays, so they might reject them ? (a...

If you have a number of debtors but are not paying them your minimum payments,or agreed amount, it has been suggested to offer each of them £1 a month (from a gesture of good will), for months, before declaring your bankruptcy, what is this procedure? to phone the debtor? the credit card company and...

Whose Credit file will be worse? (Twins both have £21,000 Credit card limits each) ! If 2 people (lets say they are twins for this example, and have identical lifestyles, - to make this example simple.. If they have 4 credit cards both taken out (in single account holders). PERSON 1, has taken a bal...