Discharge imminent?

ceri123

My husband and I went BR in Dec 07 and recently received a letter from OR saying they are looking to discharge early. Returned the questionnaire a few weeks ago. Hubby has just had a letter saying they are transferring his BR file to the regional trustee and liquidator unit (RTLU). Does this mean ED is imminent and is there any significance in me not receiving the same letter, considering we went BR together, same day, same court etc? He received his letter about 5 days ago and so far any letters we've received have been received same day.

Thanks.

frosty1970

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...and some members here (husband & wife...partners etc) have gone BR at same time & had the same happen as you....

(thanks to philnicandamy..blimey you DO have your uses little bro! its not true what mum says! )

Simon..

ceri123

I understand that but what is the relevance of this latest letter? And the significance of me not receiving the same, considering so far they have dealt with us both in sync.

frosty1970

It can happen....some members have had the same happen to them both going BR at the same time one members OH had ED she had to wait for AD...strange I know
if the file has been passed to RTLU they usually deal with all things assets etc..the letter means that the OR has finished investigations into your OH's case
bit more about RTLU here

http://forums.moneysavingexpert.com/showthread.html?t=626193

ceri123

I've just had a letter from a debt company re one of my pre-BR debts... I haven't had contact from them since moving house in Jan (BR Dec 07) - probably because I didn't offer change of address, but presume OR has written to creditors re ED and it's prompted them to write and they've obtained my new address from OR/Insolvency Register.

My question is... do I contact them to tell them to "&%$£ off" and remind them of the BR (in gentler words of course!) or do I ignore the letter or do I forward it to the OR? And can I expect lots more letters from the other creditors? This particular company, acting on behalf of a catalogue I was with, were one that wrote dozens of letters to me at the old address, playing the "Bankruptcy, what bankruptcy?" game.

Thanks.

dalip

Two things ceri

Does your OH have an IPA in place?.

As far as that letter is concerned i would just ignore it.They can not do anything.D

ceri123

dalip wrote: »

Does your OH have an IPA in place?.

No, no IPAs in place on either side.