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Debts included in bankruptcy still defaulting and canít get mortgage

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  • Debts included in bankruptcy still defaulting and canít get mortgage

    Hi I hope this is the right place to post and apologies if not. Feel free to move if needed.

    my wife and I made ourselves bankrupt in June 201:.
    All our debts were included in the bankruptcy but barclaycard sold two debts to PCO Holdco when they found out we went bankrupt.

    Pco now have us defaulting which is causing us a problem.

    we want to buy a home and the mortgage advisor linked to Anwyl told us we could get a mortgage with Nationwide with the bankruptcy on our file after 3 years.

    the stumbling block is the defaults from PCO for each of myself and wife and also a defaulting Halifax account.

    even though they were included in bankruptcy they are still defaulting and now we have to keep renting because of it.

    i really donít think itís fair I should continue to rent when without those defaults we could buy a home.

    our notice is due in February and we want to move out in the May of this year when our tenancy ends.

    is it possible to claim compensation for having to continue renting if the information on my file is wrong?

    Thanks, Wharty.

    - - - Updated - - -

    That should read bankrupt In June 2013
    Tags: None

  • #2
    Re: Debts included in bankruptcy still defaulting and canít get mortgage

    [MENTION=48934]Debt Camel[/MENTION] should be able to advise (I've tagged her) xx
    Debt is like any other trap, easy enough to get into, but hard enough to get out of.

    It doesn't matter where your journey begins, so long as you begin it...

    recte agens confido

    ~~~~~

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    I can be emailed if you need my help loading pictures/documents to your thread. My email address is kati@legalbeaglesgroup.com
    But please include a link to your thread so I know who you are.

    Specialist advice can be sought via our sister site JustBeagle

    Comment


    • #3
      Re: Debts included in bankruptcy still defaulting and canít get mortgage

      When did you go bankrupt?

      These PCO debts, what is the default date on them?

      All unsecured debts in your bankruptcy should have been marked as defaulted at the date of bankruptcy (or before) and now have a zero balance. See https://debtcamel.co.uk/credit-file-after-bankruptcy/ for how to do this.

      the mortgage advisor linked to Anwyl told us we could get a mortgage with Nationwide with the bankruptcy on our file after 3 years.
      Three years after you went bankrupt? That sounds highly unlikely to me.

      Comment

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