Early Discharge - sequence of events?

Gerberus

As noted on here the other day, my ED came through unexpectedly six months on the nose.

I was just curious about the way this works, as I had read comprehensive accounts on this board stating that paperwork normally came through, followed eventually by the ED itself. However in my case, my file went to the RTLU at about 4 months and then ED just appeared all by itself.

Does it work in various ways depending on circumstances or what?

fiveyearplan

I don't think there is any rhyme or reason how these things work - no point questioning it you're discharged and thats that! Lucky you.

I have 8 weeks today until my AD with no mention of ED for me.

philnicandamy

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...


Ed is a strange thing.....no two OR's are alike! :rolleyes:

Gerberus

That was the thing - there was no questionnaire at all. It just came out of the blue.

I am indeed glad it's happened (strangely exhausted too) but just thought I'd ask as it might encourage someone else who has been waiting on tenterhooks.

peachyprice

If it's obvious that you've had no change of circumstances and your was a straightforward case they wouldn't necessarily send out an IPOQ, it depends on the individual OR office.

k2nga

Well i have been told the OR after a !!!! up on there part that i may get ED middle of this month after a false christmas one and i have never been sent any forms although i was wondering if they thought this was a waste of time as i am currently unemployed?

fiveyearplan

I don't think you can guess early discharge. I haven't been sent any forms either and at this stage it doesn't matter. It doesn't stop me checking the insolvency website from time to time though!

fiveyearplan

I was just tempted to have another look at the IIR and yep, I'm still there with my OR's address. I'm sure there won't be time now for ED as my AD is only 8 weeks from today and time is going by very quickly.