Almost seven months in.

onerabbit

What are chances of an ED at this stage? I've had no contact from the OR for months and the summer holidays are very much upon us. So I'm not expecting any news soon. But should I assume after another month or so, I'll be required to do the full twelve months (I'm not bothered - just curious)?

If I don't get any word of a possible ED should I still keep checking on the insolvency website from time to time or wait until after the twelve months are up?

No ED papers no ED, I assume.

thanks

tigerfeet2006

The OR will firstly send 'report to creditors' this is normally done within 8 weeks of the making of the bankruptcy order (your appearance at court etc). It's the initial report from the OR that tells creditors (amongst other things) the reasons for the insolvency and the likelihood of creditors receiving any payments from the estate.

The OR's office must then wait 3 months before they can consider starting the ED process if they feel it is appropriate.

For the ED, you have 14+7 days to return the IPOQ (I&E questionnaire..this is sent to you from the OR office if your considered for ED) after which the OR can write to the creditors to say that they will be applying for the ED and request any objections.

The OR's office must then wait 28 +7 days to allow creditors to reply. Then if no valid objections have been received, the ED notice can be submitted to the court.

So the quickest the ED could happen (in theory) is 56-57 days after the you get the ED/IPOQ letter.
it often takes longer and can even be shelved at any stage if the office is too busy with new cases as ED is NEVER a guarantee...(with thanks to Phil.)

So as you haven't had any paperwork I would guess you will most likely not get ED. Though stranger things have happened

dalip

Just to enforce what tiger has just said. If you are being considered or ED the paperwork you get sent is an IPOQ EDREV. If you get one send it special delivery;) ,i sent mine recorded delivery and have just found out it never got there,i sent it back in april:mad: .D