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bill88
Starting Member
United Kingdom
38 Posts |
 Posted - 06 April 2009 : 15:03:35
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Hi guys,
im going to be discharged on thursday 9th (horray!!! :-)
once discharged though am i still under the O.R or anyone like that, i mean can i nnow do what i want after this?
or do i still have to let them know of anything?? |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 06 April 2009 : 15:13:39
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Congratulations!
Do you have an IPA? If you do you'll need to keep the OR informed of any changes in your circumstances until the end of the IPA. If not, you don't have to worry!
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/
22 IPA payments made, 14 to go - on the home straight! |
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bill88
Starting Member
United Kingdom
38 Posts |
Posted - 06 April 2009 : 15:28:09
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no IPA for me,
kewl so thats it then, i made my last payment on friday of £186.22 and thats now it finally!
god this year has flown by!
so im now free in 3 days :-) |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 06 April 2009 : 15:33:18
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Weel done Bill88 - and here's to a debt free future for you, glad you have posted on the forum with someting positive, just to show people that there is an end to this process and importantly life does continue. Well done!
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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bill88
Starting Member
United Kingdom
38 Posts |
Posted - 06 April 2009 : 15:37:01
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thanks Melaine,
thanks also to this website!
ive only recently found this site and its one of the best, so many friendly helpful people! i only wished i found this website at the beginning of my bankruptcy, i dont think going bankrupt is as bad as it sounds, it has a stigma attached to it.
Im pleased its over but for the last year ive learned to control my money more!
thanks everyone! |
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gally
Junior Member
114 Posts |
Posted - 06 April 2009 : 15:43:42
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| whats the payment of £186.22 for if you dont mind me asking |
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Jane.l
Average Member
511 Posts |
Posted - 06 April 2009 : 15:47:26
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| is it Nil tax?? |
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bill88
Starting Member
United Kingdom
38 Posts |
Posted - 06 April 2009 : 16:15:00
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yes,
My tax code was changed to (NT) NO TAX so i get my tax money in my Net pay which i pay to a company called Clarke and Willmott, every month, so i dont actually miss any of my money i use to live on, now my tax code will go back on my payslip and ill be paying tax again..
So i never really miss the money as its not mine in the first place!
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gally
Junior Member
114 Posts |
Posted - 06 April 2009 : 16:18:34
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| have a drink on the rest of us i certainly will be doing but i think it will wait till sept (full 12 months ) |
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bill88
Starting Member
United Kingdom
38 Posts |
Posted - 06 April 2009 : 16:27:40
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thats not long atall to wait!
that will fly by, trust me!
good luck though buddy! |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 06 April 2009 : 16:42:09
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Congratulations from me as well.
The glimmer gets brighter all the time
Jan
xx |
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alfiesmum
Starting Member
United Kingdom
10 Posts |
Posted - 06 April 2009 : 16:53:51
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| I was declared BR in July 2008. My (repossessed)house has now been sold, is there a chance that I might be discharged early or is that now unlikely given that I am only 3 months away from the year?? I started paying my IPA in November, have paid over NT amounts, basically jumped through hoops. |
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s4pps
Junior Member
252 Posts |
Posted - 06 April 2009 : 17:56:54
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Congratulations :) Enjoy your future!
Suzanne x
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chester2005
Average Member
United Kingdom
786 Posts |
Posted - 06 April 2009 : 18:45:04
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Congratulations i am looking forward to being that close to discharge , nice one!!!!!
Dave
Don't worry or know that worrying is as effective as trying to solve an algebra equation by chewing bubble gum.(Baz Lurman)
Life's too short!!! |
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John
New Member
United Kingdom
73 Posts |
Posted - 07 April 2009 : 13:30:11
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Hi alfiesmum
your assumption is correct, with 3 months to go your unlikely to be offered ED as it takes virtually that length of time to process.
John White
England Jackman & Spacey |
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Topic |
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after discharge
