car excemption confusion

missfirefly

Hi im 3 months into my bankruptsy and still havnt received a car excemption letter.My car was still under hp when i was declared bankrupt but with only 2 payments left on it.The OR advised me to not include it in my bankruptsy because obviously i would not be able to make the last payments.He also accepted my reasons for needing the car.Should i have received a excemption letter or would i not get one because it was still legally owned by the finance company.I have emailed the or twice to enquire but get no reply.Does anybody have any idea please if i should of recieved one ?????

skylight

Did you make the last 2 payments?? Do you now own the car outright??

missfirefly

yes i have now made the last 2 payments because the OR told me it would be fine to do so and so yes i now own the car outright....

miss_spooky

Hi,

My car was & still is on HP. IT was accepted as part of my essential living expences, but I never received any exemption letter regarding my car or any other bits that I spoke to my OR about.

The only correspondence I received was my discharge letter in Jan. So you may not hear from them. If they are really busy it may just be one more letter they can do without writing / typing?

missfirefly

Thanks for that bit of info....i would imagine thats the case with mine.I suppose they can hardly excempt something thats not yours anyway can they but its so difficult to know whats what when your in this situation isnt it.I need to get some maintenance done on it and i was worried about paying out much needed money when i didnt know where i stood.