| T O P I C R E V I E W |
| 369 |
Posted - 08 September 2008 : 11:46:40
Dear All,
I was just wondering...is it exactly 3 months after your discharge date that you come off the insolvency register?
When you are discharged you can write to the court and get a Certificate of Satisfaction for £60 (further copies £1)and then you send this to who? Experian?
I am due to be discharged in a couple of months and just wondered what the best thing is to do, to improve your credit rating!
Thank you |
| 15 L A T E S T R E P L I E S (Newest First) |
| zamfir |
Posted - 09 September 2008 : 12:34:12
Thanks for the advice on the Police.
I know not of any reason why they shouldn't be listed on the IR, they were in the local paper. I was going to ask the judge if I could be excused the IR and local paper, as I share names with the Editor (but thought better of it lol).
T. |
| 369 |
Posted - 09 September 2008 : 12:10:20
I know, it is completely crazy! And the annoying thing is that if you are actually a Police Officer, you can go Bankrupt and keep your job in some cases - but they wont take on anyone who is bankrupt!!!
Also, very annoyed as my Financial Adviser told me it would not affect me applying for the Police....maybe I should have got advise elsewhere!!! |
| Needafriend |
Posted - 09 September 2008 : 12:03:48
I know what your trying to say.
Its just a shame as they are crying out for new officers. Oh well there loss, eh!
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated Needafriend's New Life- A Debt Free One! blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| Skippy |
Posted - 09 September 2008 : 11:54:31
What annoys me is how many serving police officers have debts? Surely that makes them more of a risk than me, as I don't have any!
BTW that's not me having a pop at any serving police officer, just the system!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
| Needafriend |
Posted - 09 September 2008 : 11:31:48
Hi Skippy
My last words go to you also, its just not fair, :-( is it.
I dont know they would not know a good thing if it came up and bit them on the ****, well you know what i mean.
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated Needafriend's New Life- A Debt Free One! blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| Skippy |
Posted - 09 September 2008 : 11:29:45
I agree 369 - I want to join the police, but I'm going to have to wait 3 years, by which time I'll be 36 and they probably won't want me as I'll be too old!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
| Needafriend |
Posted - 09 September 2008 : 11:29:42
Hi 369
To me thats not fair. BR is not criminal, well not in 99% of cases just over spending etc so that does seem a little bit harsh.
I hope that both you and Zamfir get in to your dream jobs in the not too distant future.
Good luck with it all.
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated Needafriend's New Life- A Debt Free One! blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| 369 |
Posted - 09 September 2008 : 11:27:27
Hi, in answer to your police question, I live in London and spoke to the Recruitment Team at the MEt Police and they said that I would not be able to apply until 3 years after my discharge date. I am being discharged in Nov 08 and so will not be able to apply until Nov 11, seems crazy that people with minor criminal records can apply and maybe get in, when I who got into debt for a various amount of reasons have to wait 3 years!!!
Other police forces may differ though...
Thanks |
| Needafriend |
Posted - 09 September 2008 : 09:16:37
Hi Zamfir
Not sure about the Police thing. 
The people you know did they have a personal reason why it was not put on there, could be they have asked for there details not to be listed.Some situations can cause that to happen. 
Other than that i am not sure.
Maybe someone else can shed more light on those questions.
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated Needafriend's New Life- A Debt Free One! blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| zamfir |
Posted - 09 September 2008 : 01:13:33
Out of interest, how soon are you able to apply for the Police after discharge?
Similarly, I know two people in my area who went BR 6 months ago, but still aren't on the Insolvency Register. Their BR's are both current and neither have been annulled. |
| JulianDonnelly |
Posted - 08 September 2008 : 16:06:14
Best of luck!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
| 369 |
Posted - 08 September 2008 : 12:31:54
Thank to all who replied...
That's what I wanted to know, whether to write to my creditors as well as Experian. Cannot wait to do this and finally move on!
Think I will get the Certificate of Satisfaction as well - as I want to apply for the police and will need this in the future.
Thanks guys
|
| zoe |
Posted - 08 September 2008 : 11:55:43
me too Skip!!!
Worst one is MAX recovery who bought most of my debts. Little tinkers!
|
| Skippy |
Posted - 08 September 2008 : 11:53:46
I didn't get one either - I didn't want to spend £60, as as far as I'm concerned it should be free!
I've been writing to my creditors (with a copy of the printout from the register showing that I'm discharged) and asking them to amend the default dates on my files as some were after the date of my BR. I have also asked them to mark my files as either satisfied or partially satisfied, as at the moment they still show that I owe money!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
| Needafriend |
Posted - 08 September 2008 : 11:52:38
Hi Zoe
Good thinking, im gonna do that when the time comes, like you said why spend when you dont have too. LOL
And Remember To Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated Needafriend's New Life- A Debt Free One! blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
