Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • henry the wasp
    • By henry the wasp 7th Jul 17, 12:00 AM
    • 6Posts
    • 0Thanks
    henry the wasp
    Years of Bankrupt....What happens?
    • #1
    • 7th Jul 17, 12:00 AM
    Years of Bankrupt....What happens? 7th Jul 17 at 12:00 AM
    I have just found I am Bankrupt,i found it online and the order date was 18th June 2004,here is the footnote.....Footnote Order suspending bankrupt’s discharge under Section 279(3) of the Insolvency Act 1986 until the fulfillment of conditions as specified in the Order made by the Court and effective from 12 October 2004......Now I did not know of this as I no longer live at the address they have,i was moved out on police whitness protection after being arrested for murder but being fitted up for it and then giving evidence to convict the killer,i have been dealing with mental health issues so don't work,i am on ESA but now want to try to get on with my life if I can,will I be allowed to and what will happen,will all my possessions be taken from me? I am worried I will have another breakdown. ....What I want to know is when I contact them will my Bankruptcy start again or can I now get on with my life and be discharged?
Page 1
    • rjwr
    • By rjwr 7th Jul 17, 12:26 AM
    • 235 Posts
    • 152 Thanks
    rjwr
    • #2
    • 7th Jul 17, 12:26 AM
    • #2
    • 7th Jul 17, 12:26 AM
    I apologise if I'm wrong but I smell troll
    My DFD: http://forums.moneysavingexpert.com/showthread.php?t=5641837
    • luvchocolate
    • By luvchocolate 7th Jul 17, 7:52 AM
    • 1,379 Posts
    • 1,205 Thanks
    luvchocolate
    • #3
    • 7th Jul 17, 7:52 AM
    • #3
    • 7th Jul 17, 7:52 AM
    This was posted a little while ago and O.P was advised to contact to I.S....no idea why they have put the same post up again.
    • henry the wasp
    • By henry the wasp 7th Jul 17, 11:12 AM
    • 6 Posts
    • 0 Thanks
    henry the wasp
    • #4
    • 7th Jul 17, 11:12 AM
    No trol and genuine question.
    • #4
    • 7th Jul 17, 11:12 AM
    I am asking again because I want some idea as to what will happen when I contact them,will my bankruptcy have to start again or can I get a discharge and be able to get on with my life? This group is for advice and all I seem to be getting is ridiculed and negative posts of which I have had removed.....ANY HELPFUL ADVICE APPRECIATED THANK YOU.
    Last edited by henry the wasp; 07-07-2017 at 11:17 AM. Reason: spelling
    • peterkay369
    • By peterkay369 7th Jul 17, 11:16 AM
    • 133 Posts
    • 60 Thanks
    peterkay369
    • #5
    • 7th Jul 17, 11:16 AM
    • #5
    • 7th Jul 17, 11:16 AM
    I'm not sure many people will be able to advise on this board to be completely honest, it's not a situation that many people will have been in.

    Contact the Insolvency Service, they will be the best people to advise you.
    • TheGardener
    • By TheGardener 7th Jul 17, 11:19 AM
    • 2,063 Posts
    • 1,954 Thanks
    TheGardener
    • #6
    • 7th Jul 17, 11:19 AM
    • #6
    • 7th Jul 17, 11:19 AM
    My reply is the same as last time...

    "Not as much to worry about as you might think
    Call StepChage or Debtline and make an appointment with one of their free advisors. The suspension of the BR is probably only because they didn't know where to find you. I'm sure once you have been in touch - the issue will be resolved.

    ...and no - all your possessions definitely will not be taken away - well not unless you had a Bentley in the garage or a Picasso on the wall in the lounge?
    • StopIt
    • By StopIt 7th Jul 17, 11:22 AM
    • 688 Posts
    • 631 Thanks
    StopIt
    • #7
    • 7th Jul 17, 11:22 AM
    • #7
    • 7th Jul 17, 11:22 AM
    I am asking again because I want some idea as to what will happen when I contact them,will my bankruptcy have to start again or can I get a discharge and be able to get on with my life? This group is for advice and all I seem to be getting is ridiculed and negative posts of which I have had removed.....ANY HELPFUL ADVICE APPRECIATED THANK YOU.
    Originally posted by henry the wasp
    Forum etiquette is to update your existing thread, not to post the exact same thread again.


    As stated, you'll need to contact the Insolvency Service who will advise you. Nobody here can answer you as we can't say what'll happen!


    You say you want to get on with your life, but if you had no idea you were still bankrupt, what difference does it make essentially?


    No, they wont take your possessions. After all, any actions taken like an IPA etc would have been taken back in 2004.
    • henry the wasp
    • By henry the wasp 7th Jul 17, 12:40 PM
    • 6 Posts
    • 0 Thanks
    henry the wasp
    • #8
    • 7th Jul 17, 12:40 PM
    Patronising
    • #8
    • 7th Jul 17, 12:40 PM
    As I said before,talked down to.....I have plans and wish to get on with my life,i have been ill and rather a recluse.
    • StopIt
    • By StopIt 7th Jul 17, 12:50 PM
    • 688 Posts
    • 631 Thanks
    StopIt
    • #9
    • 7th Jul 17, 12:50 PM
    • #9
    • 7th Jul 17, 12:50 PM
    As I said before,talked down to.....I have plans and wish to get on with my life,i have been ill and rather a recluse.
    Originally posted by henry the wasp
    Then contact the Insolvency Service.


    They can help you and advise on the next steps, we cannot, I hope that's clear enough advice.
    • luvchocolate
    • By luvchocolate 7th Jul 17, 3:53 PM
    • 1,379 Posts
    • 1,205 Thanks
    luvchocolate
    you will receive very good advice on this forum from many people who give their time to help other.
    We can only repeat what you were told last time, and if you had contacted the I.S then you would be well on the way to knowing your position.
    Good luck.
    • henry the wasp
    • By henry the wasp 8th Jul 17, 11:55 AM
    • 6 Posts
    • 0 Thanks
    henry the wasp
    No Knowledge
    Just like most,not understanding mental health and if someone had depression you would tell them to pull themselves together and put a funny film on.Nosey old gossips with a lack of knowledge just like The Citizens Advice.......I came here for help through fear and Anxiety and all you do is chastise and ridicule me,you should be ashamed!
    • peterkay369
    • By peterkay369 8th Jul 17, 1:20 PM
    • 133 Posts
    • 60 Thanks
    peterkay369
    I think a fair few on here also have mental health issues, myself included.

    No one is ridiculing you.

    Everyone has tried to help you as much as possible.

    No one here knows the answer to your question as we have never been in your situation, so what do you propose that we do?

    The only people that can advise you on such a specialist case are the Insolvency Service - not us.

    This has been repeated time and time again, it is the most that any of us can do to help.

    Or are you expecting us to call the Insolvency Service on your behalf?
    • Geoff1963
    • By Geoff1963 8th Jul 17, 2:31 PM
    • 628 Posts
    • 395 Thanks
    Geoff1963
    I'd say the tricky part of Witness Protection, is getting a credit history. If you have a new name, there will be no background checks they can run.
    • silvercar
    • By silvercar 8th Jul 17, 5:30 PM
    • 35,524 Posts
    • 149,819 Thanks
    silvercar
    I'd say the tricky part of Witness Protection, is getting a credit history. If you have a new name, there will be no background checks they can run.
    Originally posted by Geoff1963
    Interesting point. If the bankruptcy was in your old name and you now have a new identity, is there anything linking you to your old identity? It seems that under your new identity, you won't actually be identified as a bankrupt.
    • fatbelly
    • By fatbelly 9th Jul 17, 1:22 PM
    • 10,959 Posts
    • 8,161 Thanks
    fatbelly
    Just like most,not understanding mental health and if someone had depression you would tell them to pull themselves together and put a funny film on.Nosey old gossips with a lack of knowledge just like The Citizens Advice.......I came here for help through fear and Anxiety and all you do is chastise and ridicule me,you should be ashamed!
    Originally posted by henry the wasp
    What did Citizens Advice advise you should do?
    • ToxtethO'Grady
    • By ToxtethO'Grady 10th Jul 17, 9:48 PM
    • 48 Posts
    • 20 Thanks
    ToxtethO'Grady
    Extra help
    As I understand you should have a case officer? This should continue whilst you are under the protected persons scheme you should be in contact with them? Can they contact the Insolvency Service on your behalf?

    Do you have any health professionals working with you? They could also contact the I.S?

    No-one is judging you on here but the only advice is that you, or someone on your behalf, needs to contact the Insolvency Service.
    • Geoff1963
    • By Geoff1963 15th Jul 17, 1:42 AM
    • 628 Posts
    • 395 Thanks
    Geoff1963
    The OP can't be criticised for the consequences of not attending a bankruptcy meeting. Even if that was put on hold ; the OP can't be expected to earn as much as they did before, because many jobs are public enough to risk being traced.

    I would have thought that any witness protection process would have to include a financial "back story". ; to recover some sort of normal life, else they are effectively punished as well.

    P.S. Probably not a good idea posting all this on a pubic forum. Sounds like we should delete it all.
    • peterkay369
    • By peterkay369 15th Jul 17, 9:46 AM
    • 133 Posts
    • 60 Thanks
    peterkay369
    Who has criticised the OP?
    Everyone has advised them to contact the IS as they are pretty much the only people able to advise on such special circumstances.
    • Geoff1963
    • By Geoff1963 15th Jul 17, 7:15 PM
    • 628 Posts
    • 395 Thanks
    Geoff1963
    The OP can't be criticised for the consequences of not attending a bankruptcy meeting.
    The OP is worried that "the powers that be" will do that.
    until the fulfilment of conditions as specified in the Order made by the Court
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

5,489Posts Today

4,850Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin