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xmas baby
Average Member
537 Posts |
 Posted - 30 June 2009 : 13:55:00
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Hello all,
Someone mentioned that cases go to RTLU once the OR has finished with it and you are about to be discharged from BK. My case has gone to RTLU, but I am paying an IPA, so this is probably the reason. However, I declared bankruptcy in early March 2009 and I am 4 months into it. If it has gone to RTLU, does this mean I might have an early discharge and the OR has finished looking into my BK? The only stumbling block to prevent ED is that many of my debts were due to gambling, although I have not heard anything from the OR about receiving a BRU as yet. Would I have heard by now?
Thanks
xmas baby |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 30 June 2009 : 15:17:52
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The case going to the RTLU only means that the OR has finished with it and not that you will get an ED although there is a chance if your case has been transferred so quickly.
I believe that it is the OR that deals with a BRU (someone may correct me) so if they have finished with your case then it doesn't look like you will be getting a BRU. |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 30 June 2009 : 16:25:06
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My case was passed to the RTLU but I never had ED. Gettingoutofdebt is right that the OR deals with BRU's and a case can be passed back to OR although I don't think this happens very often so fingers crossed you're in the clear!
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/
23 IPA payments made, 13 to go - on the home straight! |
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xmas baby
Average Member
537 Posts |
Posted - 01 July 2009 : 11:34:50
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Thanks both,
I have had very little contact with my OR throughout my bankruptcy. In fact, I tend to phone her more than she phones me and I'm sure I can hear her sigh everytime she realises its me.lol.
I am just praying I don't get a BRU now. I still wouldn't be surprised if I did and I do probably deserve one, but I would be so happy if I didn't get one, especially as I am going to intensive counselling every week to deal with the problem. To be honest though, I don't miss gambling at all. I think I must have had a few months of going off the rails unfortunately. Back of track now though thank god.
xmas baby |
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Sparkle83
Junior Member
258 Posts |
Posted - 01 July 2009 : 22:37:01
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xmasbaby: my BR date was 03/03/09, still no word on the RTLU, how did you find out?
Weeks of BR
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xmas baby
Average Member
537 Posts |
Posted - 02 July 2009 : 10:34:58
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Hi Sparkle,
They sent me a letter saying my case had now been referred to RTLU Anglia. The details are also listed on my section on the insolvency register.
xmas baby |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 02 July 2009 : 10:55:08
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I was never told that my details had been transferred. The address changed on the register, and when I phoned Croydon recently I was told my case had been transferred again!
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/
24 IPA payments made, 12 to go - on the home straight! |
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xmas baby
Average Member
537 Posts |
Posted - 02 July 2009 : 11:17:32
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Hi Skippy,
To be perfectly honest I don't really have a clue what's going on. As far as I'm aware the RTLU are now dealing with my case. I haven't had any contact with my OR for over a month. When I did phone her the last time, she said I now needed to deal with RTLU Anglia who now deal with my case. I'm not even sure my OR is the one I originally dealt with after my bankruptcy. I have been in touch with Moonbeever about an increase in my pay and provided them with a new I&E. However they replied saying they had contacted my OR and a IPA has been agreed which is actually 'lower' than the one agreed 'before' my pay increase. Very strange. Either the OR has reviewed my I&E and decided they were charging too much initially or they have made a mistake. Either way, I am not contacting them to make sure they haven't made a mistake.
8 months left until discharge!
xmas baby |
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bennieblueeyes
Junior Member
211 Posts |
Posted - 06 July 2009 : 12:59:37
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| Can someone tell me what RTLU is. I am sure it is something simple so forgive my ignorance please. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 06 July 2009 : 13:14:30
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RTLU is Regional Trustee Liquidation Unit.
The glimmer gets brighter all the time
Jan
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debtinfo
forum expert
2826 Posts |
Posted - 06 July 2009 : 17:35:06
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| Hi, RTLU deals specifically with the realisation of assets, during this process the OR may continue with his/her investigations. If a BRO/BRU is to be sought it should be submitted within 9 months of the bankruptcy order |
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xmas baby
Average Member
537 Posts |
Posted - 07 July 2009 : 10:13:21
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Thanks for the advice debtinfo. I thought the OR had 12 months in which to enforce a BRO. If its 9 months, all the better, only 5 months left to go for me then. Although a lot can happen in that time.
xmas baby |
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BankruptC
Senior Member
1030 Posts |
Posted - 08 July 2009 : 12:31:11
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Hi,
Sorry to hijack this thread, but could someone clear this up for me aswell please? I was also under the impression the OR could apply for a BRO up to discharge date, but would be dlighted if it is actually only up to 9 months in!!
I think I've seen someone say they got a letter telling them of their BRU 2 months prior to discharge, but this could mean the OR had applied 3 months prior (ie 9 months in) and they'd only just had the letter through?
How does this work exactly? Up to what stage can a BRU/BRO be applied for and what would be the first one would hear about it if it were to happen?
Thank you so much!
C. x |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 08 July 2009 : 13:53:21
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The BRU/O leaflet from the Insolvency site is at http://www.insolvency.gov.uk/pdfs/guidanceleafletspdf/bro.pdf
It doesn't seem to give an exact answer other than normally you would hear within 9 months of BR whether a BRU was going to happen but in some circumstances it can be longer and the OR only needs to inform you at least 6 weeks before the court date.
I suppose this could mean that you could receive the letter up to 6 weeks before discharge. |
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BankruptC
Senior Member
1030 Posts |
Posted - 08 July 2009 : 17:39:12
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Thanks for your reply gettingoutofdebt.
I've leaflet too, but just wondered how it actually works in practice and if a letter is usually the first you hear of it, or if you're likely to have f2f interviews first so you know it's on the cards.
You hear so many thinds being bandied around, like if you haven't heard 10 weeks prior to discharge it's not going to happen, or this one above mentioning 9 months, and I wonder where these things come from? Maybe some people know things we don't, or maybe it all depends on where you are in the country, which is so often the case in BR unfortunately!
Thanks so much and if anyone can add to this, I'd appreciate it.
Thanks again,
C. x |
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debtinfo
forum expert
2826 Posts |
Posted - 08 July 2009 : 21:58:23
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Hi sorry if my earlier post was ambiguous.
1)it is standard practice for a second interview to take place if seeking a BRO/BRU although not compulsory.
2)When i say 9 months this is the latest that the process would normally start so that it has time to go throught the court system before the year is up.
3)The bit about it taking longer in certain circumstances is about exceptional circumstances where the OR could not reasonably have submitted the report on time. For instance, if 1 week before discharge someone wrote to the OR stating that the Bankrupt had transgressed in some way that was not alraedy known then the OR could ask the court for more time to investigate and submit a report. |
Edited by - debtinfo on 08 July 2009 21:59:02 |
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Would I have heard by now?
