Search results

Ok so I got to the bottom of this but am a bit stumped as to what to do next. In short the ICB has the mortgage record down for me at an address I never lived at. I suspect the address is my ex-partner's address who I jointly held the mortgage with. I know why this is the case : my ex forged...

Thanks for the replies. It's quite possible the Credit union wasn't part of ICB, that loan was taken out quite a number of years ago. The mortgage was resold to another company as far as I know, still would have expected this to show up though. Interesting note on credit card - I had been...

Hi I'm a bit confused by this and looking for some opinions. In short after almost 10 years my mortgage related mess got sorted out with an insolvency arrangement. I finished with that process a month ago and my name is gone from the ISI register. (although still waiting for letter to state I...

Hi again Would you know if the IPO of 3 years kicks in after the 1 year of bankruptcy or is it from the start? Eg if I went bankrupt on 1st Jan 2016 and had an IPO would I be paying this back for 3 years total or 4 years total?

Hi Matthew (and everyone else who responded) That makes sense, I had emailed the ISI as well but their response wasn't as clear as that. There goes my hope for plan A anyway which was to make an offer to the bank for a settlement instead of having to go bankrupt. I could possibly get 10K...

Hi I'm trying to calculate reasonable living expenses in my case. I'm married, no kids and have a car which I need for work, no other costs or special circumstances. Will likely be going bankrupt. On the ISI site/calculator this suggests €2336 as the reasonable amount but is that for the total...

Thanks Stuboy, puts my mind at ease. As you say this has good long term prospects, and it would kill me if say in 3 years I see this company going from strength to strength knowing I could have been a big part of it but wasn't able due to my current situation which I'm trying to fix.

Hi I'm likely going to be bankrupt very shortly. I am currently an employee, not making huge money but enough that I'll have a payment order - perhaps 500 per month. A friend of mine is starting a business within the next year and have asked if I would consider working for him. The wages he...

Hi Exact same thing happened with me, found out that a change of correspondence address letter had been sent to them with "my" signature on it (it's very clearly not my signature). I had to put in a subject access request to the bank to find this out (they send you a copy of everything they...

Hi, thanks for the reassurance Moolah. I've since gotten a very good accountant on the case so all looking promising, the hardest thing with this is just getting it started once you start to move it moves pretty quick. Don't know what the damage will be yet but at least it's being sorted I...

Hi Again, I may have to grit my teeth and talk to her then again so. Personally I'd be happier just sorting my own side out but i have to think of the best financial outcome. I had hoped that the fact I didn't benefit at all from the bulk of the rental income (it was paid to her, and she did...

Hi Thanks for the reply. For the most part the tenants were registered with prtb, It was never changed for the last guys living there though as far as I know so I better check that. Problem for me is I (very stupidly) let my ex handle all of that side of things so it's going to be fun trying...

Hi, I'm completely lost at how to handle the following situation. In brief bought a house in 2007 boom with then girlfriend. split with her shortly after.It has been rented on and off since approx 2008, no tax paid. first off can i politely ask not to point out how stupid that was, it was...