Bankruptcy discharge

geministar2008

Hello,

I went Bankrupt on 9th Januray 2008, i was told i would receive automatic discharge after 12 months. That time is now approaching. What actually happens?
Do i just receive a letter saying i am now discharged and if so when will i get this?
Is there anything i can do once i'm discharged that i couldnt do before? I.E can i now open a different bank account? I currently have a savings account and a basic bank account with the Co Op.

How do i rebuild my credit file, i know this will take years, but where do i begin. E.G i still have a contract phone. Which i have never paid late.

I look forward to hearing some advice.

Thanks

fiveyearplan

You probably won't receive any notification but check the insolvency register here

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

Now if you have any change of circumstances you no longer need to report these to the OR. You always could have opened other bank accounts however the banks may not let you. Keep reading this forum for up to date information on which banks will allow savings etc. You're lucky you already have a savings account with the Coop as they refuse a lot of people.

The next thing is to wait about 6-8 weeks and get your credit files from all 3 credit reference agencies and start the credit file cleaning up. There is a sticky on this on the front page of this forum.

Congratulations for Saturday!

mumof2gorgeousgirls

When i was due my bankrupty discharge,i got a letter asking if any of my details had changed,they hadnt.
Then i got another letter a few weeks later telling me i had been discharged and that it had happened in court 3 days before i received the letter......Great!.
It took a further few months for my name to be removed off the bankrupty website.
All done and dusted,ive now been discharged for 6 months,havent applied for credit or anything and i dont want to,the only thing i did ask was if my Bank could give me a £100 overdraft to cover some direct debts i had coming out........got refused in an instant.

geministar2008

thanks.

Five year plan, my savings account is with Citi bank, my basic account is with the co op.
Five year plan what do you mean by start the clean up process? How do i clean up my credit files?

fiveyearplan

Go to the front page of this forum and see the sticky called credit file clean up (or something like that). Let me know if you can't find it.

mumof2gorgeousgirls

geministar2008 wrote: »

Hello,

I went Bankrupt on 9th Januray 2008, i was told i would receive automatic discharge after 12 months. That time is now approaching. What actually happens?
Do i just receive a letter saying i am now discharged and if so when will i get this?
Is there anything i can do once i'm discharged that i couldnt do before? I.E can i now open a different bank account? I currently have a savings account and a basic bank account with the Co Op.

How do i rebuild my credit file, i know this will take years, but where do i begin. E.G i still have a contract phone. Which i have never paid late.

I look forward to hearing some advice.

Thanks

I forgot to add something to my reply,i still have the same contract phone i had when i went bankrupt but my daughters was up for renewel and they let me reknew it also let me get a laptop to which i found odd but hey ho i got it.

fiveyearplan

mumof2gorgeousgirls wrote: »

I forgot to add something to my reply,i still have the same contract phone i had when i went bankrupt but my daughters was up for renewel and they let me reknew it also let me get a laptop to which i found odd but hey ho i got it.

They let you have it because you only upgraded your service. Had you applied for a new phone contract you would have been declined. They don't credit check for upgrading. Thats why its important to keep up to date with them (if you want to keep the service) because you wouldn't get a contract anywhere else (or at least very unlikely).

fermi

geministar2008 wrote: »

How do i clean up my credit files?

---

> Credit Reference File Clean Up Post Bankruptcy

geministar2008

ok so my 12 months is up, i should have been discharged on sat. But having check the insolvency register im still listed as bankrupt? When will it read otherwise?

philnicandamy

Have you clicked on your details to take it to another page & still shows BR?...for A/D its usually an automatic process if its still showing you as bankrupt then you need to speak to your receivers office

geministar2008

ok when i click on my info it states in the info discharged 9th Jan 2010, so does that mean ive been discharged?