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sunshine
Starting Member
41 Posts |
 Posted - 24 January 2011 : 19:43:32
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Hi Everyone,
Hubby and I received our early discharge notice today...as of 18th Jan we are no longer bankrupt, whoop whoop! Hubby still has an IPA until Aug 2013...but I don't..
Any advice if we need to do anything now? We have a cashminder account with the coop and I wondered if we would be able to open a savings account now?
As always any advice is gratefully received..
Many thanks,
Sunshine xxx |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 24 January 2011 : 20:30:22
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Congratulations!
Good luck trying to open a savings account with the Co-op - I had to appeal before they would let me open one!
You can start the process of cleaning your credit files - have a look at this link:
http://forums.moneysavingexpert.com/showthread.php?t=677875
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 - it's over at last! |
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Viki.W
forum expert
United Kingdom
2211 Posts |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 24 January 2011 : 23:46:37
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Hi
in late february it is worth getting your credit files ( Experian & Equifax ) to make sure the discharge is properly logged.
you can then make sure your credit file correctly reflects your position now.
That is the first step to improiving your credit history.
I have a free ebook detailing what you need to do if you would like a copy.
Paul Johns
Bankruptcy Specialists
Reviva UK
www.revivauk.com
08454 751 851
Real People ..... Real Debt Solutions |
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glafy
forum expert
436 Posts |
Posted - 25 January 2011 : 00:04:18
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That is super news for the New Year. Congratulations Sunshine to you & your husband.
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sunshine
Starting Member
41 Posts |
Posted - 25 January 2011 : 08:20:44
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Thanks guys,
Yes it feels great to be on the road to financial recovery!
Paul the e book would be fab thank you very much....I have checked the insolvency register yesterday but it hadn't been updated as yet.
Is it best to get everything in place before I tackle the coop about opening another account?
As always this forum is a wonderful support, don't know what we would have done without it over the last few months.
Sunshine xxx |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 25 January 2011 : 08:44:39
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It might be worth opening a savings account elsewhere as the Co-op will credit check you for a savings account. I opened one with Yorkshire Building Society without any problems.
When you are updating your credit files make sure you also check the report from Callcredit as well.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 - it's over at last! |
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sunshine
Starting Member
41 Posts |
Posted - 25 January 2011 : 09:08:24
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| Thanks Tracey, will have a look at YBS....good tip x |
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 25 January 2011 : 09:55:04
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Hi Sunshine congrats to you both
when the insolvency register is eventually upgraded dont forget to print off a number of copies as it will only stay on register for 3 months.
most of your creditors will accept this computer print out
Richard |
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sunshine
Starting Member
41 Posts |
Posted - 25 January 2011 : 10:05:03
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| This is why I love this forum....sooooo helpful, thank you x |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 25 January 2011 : 10:20:48
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The insolvency register is back up so you should be able to print off the discharge information now x
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 - it's over at last! |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 25 January 2011 : 10:23:49
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It's been up and running for a few weeks now. There was a glitch with some of the information on there but that has apparantly been sorted.
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
Jan
xx |
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sunshine
Starting Member
41 Posts |
Posted - 25 January 2011 : 11:40:29
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| I went on yesterday but it still says bankrupt at the side of our names...I assume it will take a few days for the info to trickle through???? x |
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 25 January 2011 : 12:10:23
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previously changes went on at midnight i stayed up to watch mine change (sad eh)
so can only say keep checking
Richard |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 25 January 2011 : 14:10:25
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Have you clicked on your name sunshine? The front page doesn't change, but the entry will be updated to show discharged.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 - it's over at last! |
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sunshine
Starting Member
41 Posts |
Posted - 25 January 2011 : 14:33:19
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| I have Tracey, it still says automatic discharge will be 30 april 2011, but the letter I got from the or says we were both discharged early on 18th Jan??? x |
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Hi Everyone, early discharge whoop whoop
