average discharge times at the moment

b-man

yeah - its true - things are much quieter! almost too quiet. No im just kidding - i would never go back to that living nightmare

nervousmother

Exactley! you know i watched the postman this morning walk past my house again without delivering any mail. I felt all warm inside. No bills, no demands no threats!
It is a good feeling..

movingforward2010

nervousmother wrote: »

Exactley! you know i watched the postman this morning walk past my house again without delivering any mail. I felt all warm inside. No bills, no demands no threats!
It is a good feeling..

lol im the same, coming home from work and not having any letters demanding money seems strange, but lovely

devon27_2

i agree it certainly is, though you do feel a bit left out when he walks past LOL! seriously i just thankful that i went Br and if i have to wait 12 months so be it Ed is a bonus but i just bide my time for now

Dodger61

Got ED last week, after BR on DEc 2nd 2008, so 7 months. However I did waste time and energy checking the IS register every day after filling in the ED forms. Rather regreted being so obsessive, best advice is put it out of your head and if it comes fab, if not well AD is on its way.

b-man

how long did you have to wait inbetween filling in the forms to getting ED? did you find out when they send you a letter or from checking the website?

Dodger61

The minimum wait is 56 days. The OR will write to your creditors to see if they raise any objections to your ED. If not usually it will appear on the IS register BEFORE you get a letter from the OR. However you will have to click onto your name to see if ED has been granted, it will not appear next to your name and address.

tigerfeet2006

From an earlier post by Phil

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...

Lost2

I went BR March this year, I received a letter a couple of days ago to fill in a form for early ED

dvs

Before I went BR I was really wanting ED. Once BR I wasn't that bothered. I'm seven months in and I'm starting to see people who went BR around my date (mid Dec) and I'm starting to feel a little left out!

At least I will be discharged by the end of the year though.

Just wondered, is it possible to get ED without completing any forms (i.e. if the OR knows your circumstances haven't changed) or is it compulsory that the relevant forms must be completed?