Been bankrupt since May 2006 - when / where can I find out if I am discharged??

gillian2001uk

I was declared bankrupt in May 2006 and have since not heard anything else stating whether I am discharged etc etc.

I want to try and get out of private rent, therefore try for a mortgage with my partner, can anyone advise me?

oneandonlyboy

You will be discharged after 1 year from the date of going bankrupt.
If you dont receive early discharge you dont hear off the OR.
Have you started the process of sorting out your credit file??
This should be your first port of call.
If you are looking for a mortgage due to the current credit issues you will need a deposit of at least 25% but most are now lookign for 35-45% deposits.

gillian2001uk

How do I start to sort out my credit file, not got a clue where to start?

On_A_Mission_7

Have a look at this thread... http://forums.moneysavingexpert.com/showthread.html?t=677875

stubie

Have a search here:

http://www.insolvency.gov.uk/eiir/

and see what it says

philnicandamy

stubie wrote: »

Have a search here:

http://www.insolvency.gov.uk/eiir/

and see what it says

discharge only shows here for 90 days from date of discharge then its gone.....so if OP does a search probably wont show any listing

gillian2001uk

Originally Posted by stubie
Have a search here:

http://www.insolvency.gov.uk/eiir/

and see what it says

Thanks for this, however, I am in Scotland, and this website only covers England and Wales,............

philnicandamy

try here

http://roi.aib.gov.uk/ROI/

on second thoughts.......£ 16 to access the site :eek:

http://www.aib.gov.uk/Resource/Doc/4/0000517.pdf if you were made bankrupt before april 2008

HOW LONG WILL MY SEQUESTRATION LAST?
As long as you work with your trustee, your sequestration
will normally end three years after the date of
sequestration. This is called being discharged. However, if
you do not co-operate with your trustee, the court can
increase the length of your sequestration for up to two years

at a time.

mazhysteria

.................