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 Hi, I was made bankrupt in May/2012. What is involved in the lead up to discharge ?
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 30 April 2013 :  07:32:36  Show Profile  Reply with Quote
Fingers crossed - sounds as though it is going to be ok.

Don;t forget to print off the 'Discharged' page once it changes.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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panason1c
New Member

50 Posts

Posted - 30 April 2013 :  17:36:48  Show Profile  Reply with Quote
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 30 April 2013 :  17:55:12  Show Profile  Reply with Quote
Let us know when that clock ticks over!!


The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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Anna
New Member

United Kingdom
51 Posts

Posted - 01 May 2013 :  19:22:15  Show Profile  Reply with Quote
Hi, good luck for the 8th. Ive been discharged 9 months now, had no ipa and heard nothing from OR. I did have to phone hmrc to get my tax code reverted back to normal as it didnt happen automatically as suggested but only took a minute.
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pcoventry2
Junior Member

230 Posts

Posted - 01 May 2013 :  22:04:26  Show Profile  Reply with Quote
quote:
Originally posted by panason1c

9 days to go to automatic discharge, still not heard anything from the OR, looking good, so far.........



hehe 2 hours for me - out at Midnight :)

Good Luck with the future :)
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 02 May 2013 :  08:05:51  Show Profile  Reply with Quote
Not long to go now panason1c!!

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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panason1c
New Member

50 Posts

Posted - 02 May 2013 :  18:37:50  Show Profile  Reply with Quote
Thanks everyone for your replies, i'll post again soon after i'm freeeee
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pcoventry2
Junior Member

230 Posts

Posted - 03 May 2013 :  17:28:51  Show Profile  Reply with Quote
quote:
Originally posted by panason1c

Thanks everyone for your replies, i'll post again soon after i'm freeeee



5 days to goooooo! :)
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 03 May 2013 :  18:58:29  Show Profile  Reply with Quote
I'm sure it will be fine now. Long weekend coming up!

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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panason1c
New Member

50 Posts

Posted - 03 May 2013 :  19:23:07  Show Profile  Reply with Quote
Cant believe how excited i am about getting my online banking back again!!
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 03 May 2013 :  19:30:17  Show Profile  Reply with Quote
LOL!!

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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panason1c
New Member

50 Posts

Posted - 07 May 2013 :  11:18:42  Show Profile  Reply with Quote
Only a few hours to go now, still no word from the OR ..... i'd stay up until midnight to see my discharge notice pop up on the register except that i have to be up at 5am for work, so i'll have to pass on that!

Just to sum up my (relatively painless) experience....
1/ Completed forms and declared myself bankrupt at my local court on 8 May 2012
2/ Shortly after, i was contacted by the OR and had a 1 hour interview over the phone
3/ Told by OR that i would be given a NT tax code and would pay any tax due on my wages to Moonbeever until April, 2013 (no mention of ipa, etc)
4/ March, 2013.....Informed by Moonbeever that they had concluded my dealings with them and that my file was being passed back to the OR.
5/ Nothing heard since from the OR.
6/ 12 more hours to go for my automatic discharge!

Hope this helps



Cheers for everyones help.
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 07 May 2013 :  12:30:37  Show Profile  Reply with Quote
If you've heard nothing by now then you should be fine - just check before you go to work in the morning.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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pcoventry2
Junior Member

230 Posts

Posted - 07 May 2013 :  13:08:11  Show Profile  Reply with Quote
It's all over. As Niobe says check it in the morning and you'll see discharged. 11 hours to go! :)

I was discharged on the 2nd as you know. Today I got a new tax code from the IR so for me everything is back to normal

My experience was sort of like yours but with no IPA. I heard nothing from months 4-12 from the OR.

Agree with Niobe sounds like the magic is going to happen at midnight and you'll be free :)

Edited by - pcoventry2 on 07 May 2013 13:10:19
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pcoventry2
Junior Member

230 Posts

Posted - 08 May 2013 :  00:28:42  Show Profile  Reply with Quote
Congrats mate your now freeeeeeeee! :)
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