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pleasehelpme22
Junior Member
222 Posts |
 Posted - 04 December 2008 : 08:18:10
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Hello
I went BR on 24th June this year and yesterday i recieved a letter from the OR to say that i as of the 28th Nov been discharged from my BR and if i want a cetificate i can purchase one by contacting them
Anyway my question is what does this mean for me? Do i need to get a copy of the certificate?? Am i still bound by the rules of disclosing my BR to banks etc (even though i dont want credit etc) Can i run a company now etc??
Any advice much appreciated
Tanya |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 04 December 2008 : 08:21:19
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Hi Tanya
Congrats on ED thats great news. :-)
The cert can come in handy as some banks or mortgage co's may ask to see a document that you have been discharged from your BR, you can go onto the insolvency site and just print off the notifcation once it shows that you are now discharged.
You will also need to update your credit files and make sure old creditors update their info too.
So 5 months down you were discharged, there is hope for me as mine is exactly 4 months today. Oh well lets wait and see.
You dont have to pay the £60 for the cert you can just print off.
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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Edited by - Needafriend on 04 December 2008 08:23:07 |
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Trolly-Dolly
Average Member
591 Posts |
Posted - 04 December 2008 : 09:33:59
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Congratulations Tanya!
Did you not have any idea that this was going to happen? Did they send you an IPAQ to complete? Do you have an IPA?
Sorry so many questions, but you are just that one step ahead!
You can read my blog here;
http://drowningmummy.blogs.iva.co.uk/ |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 04 December 2008 : 12:03:49
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Hi Guys
The OR do not always send a new I&E when thinking of ED, they can just apply for it say if you dont have an IPA or the money you have coming in is purely benefits and so there would be no change and then the OR can apply anyhow without us even knowing.
I wish ;-)
Jo
x
4 months down
8 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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Trolly-Dolly
Average Member
591 Posts |
Posted - 04 December 2008 : 13:35:40
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Wow, thats good news Hammy.
I used to follow your story over on IVA back in April.
What happened to your home in the end?
You can read my blog here;
http://drowningmummy.blogs.iva.co.uk/ |
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hammy0107
Junior Member
399 Posts |
Posted - 04 December 2008 : 15:49:46
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Trolly-Dolly
Still nothing happened with my house. I wrote to the OR in July informing them that my wife would like to buy the BI but heard nothing back. We did make an offer back then which on todays expected valuation we shouldn't of done as i don't believe there is any equity left in the house. It is a little frustrating not knowing what will happen but as they have 3 years to deal with it i don't suppose i have much choice. Hoping to get ED before Xmas, that would be nice. |
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pleasehelpme22
Junior Member
222 Posts |
Posted - 04 December 2008 : 15:54:37
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Hi guys sorry for delay in reply
Thanks for the info needafriend thats helped me feel abit wiser!
Trolleydolly and Hammy - Yes i did know i was going to be discharged early, i got a i and e form in september, i filled in eactly the same as when i applied in june and then my OR office contacted me to say that my creitors recieved the form on end of october and that iif no one objected within 28 days i would recieve early discharge . So yippppeeee!!! I didnt have an IPA as im a stay at home mummy however my hubby who also went BR has NT until april so no IPA either.
Tanya
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 04 December 2008 : 15:56:24
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Great news Tanya!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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hammy0107
Junior Member
399 Posts |
Posted - 04 December 2008 : 16:39:24
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Tanya,
Congratulations, i bet you feel great.
I haven't heard a word from the OR since sending back the updated I&E's (there was no change in mine either), certainly nothing to tell me my creditors had received the ED request and nothing mentioning 28 days. I guess based upon your experience i am at the very best at least 28 days away then. Oh well at worst i have 6 1/2 months to go. |
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John
New Member
United Kingdom
73 Posts |
Posted - 04 December 2008 : 16:49:45
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Hi hammy
it's taken a week for Tanya to be notified by the OR, have you checked the insolvency register?
You never know - I have my fingers crossed.
www.Bankruptcyhelp.org.uk
0800 078 9367 |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 04 December 2008 : 17:34:37
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Hi Hammy
I agree with John, have a look at the register as it may have been updated for you.
Jo
x
4 months down 
8 to go 
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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hammy0107
Junior Member
399 Posts |
Posted - 04 December 2008 : 19:37:59
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| No such luck i am afraid. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 04 December 2008 : 20:13:26
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Oh well keep checking every so often :-)
Jo
x
17 Weeks down
35 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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Topic |
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Advice re discharge
