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John.sp
Starting Member
5 Posts |
 Posted - 12 July 2012 : 10:11:48
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I've been discharged for over a year now and have just received a letter from the receiver saying they have just been through bank statements for the 12 months prior to bankruptcy and have a number of questions for me.
At what point do they stop asking questions? I thought once I was discharged that was the end of it? |
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year 2029
Average Member
590 Posts |
Posted - 12 July 2012 : 10:43:03
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Hi John and welcome.
Do you have an IPA/IPO?
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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John.St
Starting Member
10 Posts |
Posted - 12 July 2012 : 10:49:51
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Thanks for the quick reply
No I have neither
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year 2029
Average Member
590 Posts |
Posted - 12 July 2012 : 10:52:42
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I would've thought everything would've been dealt with prior to discharge.
I've not quite reached that stage myself.
Maybe debtinfo who posts on here can shed some light on the matter.
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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John.St
Starting Member
10 Posts |
Posted - 12 July 2012 : 11:07:18
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I would have thought so too - although I am happy to co-operate of course, I thought this was all done and dusted and I could move on etc. Stressful keep getting requests so long after the event, and I wondered really if there was some sort of time limit on them being able to keep asking for things
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debtinfo
forum expert
2826 Posts |
Posted - 12 July 2012 : 17:39:53
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No the Discharge is just the date at which the liability for the debt is discharged, your obligation to the bankruptcy proceedings remains indefinitly until all matters are concluded however long that may be, for instance an IPA is 3 years, a family home is 3 years, most other assets are indefinite and the investiagtion phase is until it is completed and can always be reopened if new information comes to light.
It is a little unusual that it would come out of the blue if nothing has been done or said during the bankruptcy year, but the only way you are going to know is by talking to the OR, do you have any idea what it may be about? |
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year 2029
Average Member
590 Posts |
Posted - 12 July 2012 : 18:02:14
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Hi debtinfo,
For my benefit,
If you have finished all proceedings with property, vehicles, (they've been removed from your estate), no IPA/IPO,
Can you ask the OR/Trustee if all proceedings have been concluded at discharge of BR?
Is it normal for them to tell you if everything has been concluded?
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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debtinfo
forum expert
2826 Posts |
Posted - 12 July 2012 : 18:07:24
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They might tell you, but of course its never really ever completely, over because there could always be something that has not been declared, but the person would probably know that themself if you had something lurking.
No case is ever so completely closed that it could not be reopened |
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year 2029
Average Member
590 Posts |
Posted - 12 July 2012 : 18:20:43
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Thanks for the prompt answer.
Thats fair enough.
I've no skeletons in my closet, but like John.sp, at some stage or other would like to feel a final line had been drawn under things.
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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Essie
Junior Member
United Kingdom
115 Posts |
Posted - 19 July 2012 : 12:54:25
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So can they give you an ipa even if you have been discharged?
Finally got head out of sand in October 2010
BR March 2011
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 19 July 2012 : 13:32:12
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No, the IPA has to be in place prior to discharge.
View my blog at http://skippy13.blogs.iva.co.uk/
The more I have to do with humans the more I think that the world would be a better place if it was run by animals.
Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side. |
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Anna
New Member
United Kingdom
51 Posts |
Posted - 20 July 2012 : 14:44:47
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| I have just under 3 weeks till discharge and the OR looked into my bank statements as far back as 3 years and sent me a letter with some questions which i promptly replied to and have spoken to them since regarding creditors with no mention of statements. This was about 3 months into BR. So since i only have 3 weeks left will i hear from OR again or is that it once im discharged? Regards Anna |
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John.St
Starting Member
10 Posts |
Posted - 21 July 2012 : 08:32:20
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Anna you are discharged automatically after 12 months unless you hear anything to the contrary, but as I am finding out that does not necessarily mean the OR has stopped going through things. It means you are discharged from your debt but the OR can continue to investigate after the date. Assuming you have nothing to hide though the worst is over and you are on the way back now :)
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Most worried
New Member
77 Posts |
Posted - 24 July 2012 : 09:41:39
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Hi everyone
I am absolutely certain that I speak for allot of people when I say that reading this post hasnt had the most positive impact on my BR-experience!?!
I was discharged in June 2011 without any IPA etc and hadnt been on any mortgage etc....but now Im thinking that my life still hangs on in the 'balance' of my OR somewhere...???
Im now really depressed about the thought that in actual fact Im not 'free' to get on with my life at all!?? Maybe out of the blue my OR could ring and ask why I spendt £40 in Tesco in Feb 2011??
My case was according to experts a pretty straight forward one with no assets and I did have compensation given to me from a car accident, but that took over 2 years and a whole heap of medical help due to badly damaged back/proven by doctor.
So please tell me if at all us ex BR are ever going to be able to let go of this and really get on in life...??
....so depressed...just totally deflated!!
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year 2029
Average Member
590 Posts |
Posted - 24 July 2012 : 11:06:02
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I guess this one will be for debtinfo to answer.
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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debtinfo
forum expert
2826 Posts |
Posted - 24 July 2012 : 18:38:53
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| You are free to get on with your life, you only need to worry if you havent been completely honest with your OR, think of anything else as just finishing the admin, for some people some assets take longer than others to deal with, but that doesent stop you getting on with your life, it only affects the things that are hanging on from before the bankrupty, even if you have done something untoward before bankruptcy then if you have been honest about it then the OR should complete their investigations within the 12 months. |
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I thought once I was discharged that was the end of it ?
