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madness12
New Member



United Kingdom
52 Posts

Posted - 01 March 2010 :  17:14:56  Show Profile  Reply with Quote
Hi, Today my husband and I have received a letter from the O/R with the chance we would be dicharged early, but we have a questionnaire to complete regarding our expenditure which hasn't changed since we went B/R, do we complete the form as before figure wise only both mine and my husband's were identical as we only have the 1 bank account and we mirror imaged the costs...Mortgage, gas, elec...etc

S Thomas
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Richard P
Senior Member



United Kingdom
1701 Posts

Posted - 01 March 2010 :  17:34:48  Show Profile  Reply with Quote
yes you must reply to them and complete the form

they are just checking that your situation has not changed

ed will still be about 8 -12 weeks away (paperwork is slow through court)

regards Richard
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madness12
New Member



United Kingdom
52 Posts

Posted - 01 March 2010 :  20:53:11  Show Profile  Reply with Quote
Thanks for the information Richard, but can I use the original figures? some things have changed ie..Insurance has gone up and so has fuel but other than that nothing has changed.

S Thomas
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Richard P
Senior Member



United Kingdom
1701 Posts

Posted - 02 March 2010 :  21:36:30  Show Profile  Reply with Quote
yes fine just fill in what you spend

Richard
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Skippy
forum expert



United Kingdom
3290 Posts

Posted - 03 March 2010 :  08:56:55  Show Profile  Reply with Quote
If things have gone up (as we all know that they have!) you need to put the new figures on your I & E otherwise the OR may think that you have more DI than you actually have.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/

Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.

32 IPA payments made, 4 to go - the end is in sight!
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madness12
New Member



United Kingdom
52 Posts

Posted - 19 April 2010 :  12:32:29  Show Profile  Reply with Quote
Hi, We are now on the road to purchasing the B/I, cheque sent to the O/R and you guys were correct we did not need a solicitor but needed Birmingham to tell us that!!.Does anyone know once all completed is there any time frame before we can sell the house??

S Thomas
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Housing
Senior Member



United Kingdom
1399 Posts

Posted - 19 April 2010 :  14:11:35  Show Profile  Reply with Quote
Hi

From my experience the process takes a couple of months for TFT (the ORs solicitor) to complete the Deed of Assignment. They are busy.

As to selling the property - after you are discharged

Good luck, Richard

"There are no problems - only solutions"
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madness12
New Member



United Kingdom
52 Posts

Posted - 20 May 2010 :  19:40:50  Show Profile  Reply with Quote
Hi, My husband and I received yesterday the 18th May our early discharge, what fantastic news, the house is well under way have signed and sent back the deeds, so we are nearly at the end of our journey. Does anyone know if you wanted a copy of the certificate of discharge what the cost would be and do we have to apply to the court direct? Also how do we go about having our credit rating put back to zero?, who to we apply to and what is the cost? :o)
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Richard P
Senior Member



United Kingdom
1701 Posts

Posted - 21 May 2010 :  18:14:19  Show Profile  Reply with Quote
Hi Madness

congratulations on ED

most of the creditors will accept the print off from the insolvency register

if you have to get a court extract i think it cost £40.

follow skippys blog for repairing credit file some gr8 info

regards Richard
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Skippy
forum expert



United Kingdom
3290 Posts

Posted - 21 May 2010 :  22:22:08  Show Profile  Reply with Quote
Make sure you print off the extract from the Insolvency Service website as this is only available for 3 months from the date of discharge.

If you need an official certificate of discharge you will need to apply in writing to the court that made you BR, and the fee used to be £60, but it may have gone up now.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/

Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.

34 IPA payments made, 2 to go - not long to go now!
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Niobe
Administrator



United Kingdom
4582 Posts

Posted - 24 May 2010 :  12:53:03  Show Profile  Reply with Quote
According to the site I just checked on, it's still £60 plus £1 for any additional copies.

Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.

Jan
xx
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madness12
New Member



United Kingdom
52 Posts

Posted - 07 June 2010 :  17:29:38  Show Profile  Reply with Quote
Hi, We have finally received confirmation from TLT to say the B/I has all gone through and the restrictions has been removed from the property. But the strange thing is we ahve both received a cheque for £360.00 each...does anyone know why and if this is correct??, nice surprise though if we are due this money :o)
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