after discharge and 3 months expired how does anyone know you have been bankrupt

southernbouy · 12 July 2008 at 3:54PM

after discharge and 3 months has expired I am on the understanding it drops of the Insolvency register! how does anyone know you have been bankrupt? I know your credit files show it up, but if you move somewhere new and don't link the past is there any way people can find if you have been bankrupt

Posthinking · 12 July 2008 at 4:20PM

It's forever in the London Gazette. The Information Commissioner has been asked about this and he ruled that BR should remain public knowledge to "protect the public" it can't be wiped. Insolvency service choose to take it off their website. Sorry to be the harbinger etc.

dalip · 12 July 2008 at 4:25PM

The other thing SB is your bc is just that yours. Bc now goes against the persons name not address as it once used to,so moving would be no use.D

Deep_In_Debt · 12 July 2008 at 4:26PM

I'm sure there are ways of tracing it. If you move and go onto the electoral roll, then I'm think that can be linked to your past address via credit files. It probably will catch up with you eventually.

southernbouy · 12 July 2008 at 4:27PM

so what about the other 300 people with my same surname and dob

Broken_hearted · 12 July 2008 at 4:31PM

There are also circumstances where you can be asked it you are BR and to lie could get you in trouble

southernbouy · 12 July 2008 at 4:31PM

can't find it in the gazette either!

dalip · 12 July 2008 at 4:34PM

SB don't take this as gospel but the way i understand is. 3 mths after discharge date your details are taken off the IS website. On your credit files you have to write to ask them to update your records,if they don't do it automatically,which as far as i know,show all debts(incl in bc) as satisfied.Your credit score is shot though. If you move unless you apply for any form of credit or your new neighbours look in the london gazzete(had no idea about that) then no one will know unless you tell them. D