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369
Junior Member
366 Posts |
 Posted - 08 September 2008 : 11:46:40
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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 |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 08 September 2008 : 11:49:05
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Hi 369
I think your right it 3 months after discharge, then all you need really is a letter from the OR, maybe they could send you one to say thats it instead of paying a further £60 to get the cert.
Only a thought. 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/ |
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zoe
Junior Member
329 Posts |
Posted - 08 September 2008 : 11:50:46
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Hi there
I was discharged June 07 and my details should be off as soon as the 3 months are up.
I didn't need to get a cert of discharge experian were informed by OR. I didn't see point of spending if i didn't have to! When you are discharged the insolvency register states on it that you have been. I just printed copies in case anyone needed them.
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 08 September 2008 : 11:52:38
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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/ |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 08 September 2008 : 11:53:46
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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/ |
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zoe
Junior Member
329 Posts |
Posted - 08 September 2008 : 11:55:43
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me too Skip!!!
Worst one is MAX recovery who bought most of my debts. Little tinkers!
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369
Junior Member
366 Posts |
Posted - 08 September 2008 : 12:31:54
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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
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 08 September 2008 : 16:06:14
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Best of luck!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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zamfir
Junior Member
303 Posts |
Posted - 09 September 2008 : 01:13:33
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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. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 09 September 2008 : 09:16:37
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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/ |
Edited by - Needafriend on 09 September 2008 09:17:37 |
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369
Junior Member
366 Posts |
Posted - 09 September 2008 : 11:27:27
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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 |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 09 September 2008 : 11:29:42
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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/ |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 09 September 2008 : 11:29:45
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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/ |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 09 September 2008 : 11:31:48
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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/ |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 09 September 2008 : 11:54:31
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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/ |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 09 September 2008 : 12:03:48
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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/ |
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Topic |
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Insolvency Register
