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Early discharge?

Sparx71
Sparx71 Posts: 39 Forumite
in Bankruptcy & living with it
Hello,

I went BR on 17/03/2010. The OR was satisfied there was no money to pay, and I got early discharge in September 2010. My name is no longer on the Insolvency website.
Does this mean I am now no longer Bankrupt? I have no desire to get any credit, but could I now?
And would it be ok to now have a bank account in my own name, instead of sharing the wifes?
I know I should have read all the documents and letters I received from the OR, but they're not really in laymans terms are they?!?

Keep up the good work all...tougher times ahead.

Comments

  • dojoman
    dojoman Posts: 12,027 Forumite
    Sparx71 wrote: »
    Hello,

    I went BR on 17/03/2010. The OR was satisfied there was no money to pay, and I got early discharge in September 2010. My name is no longer on the Insolvency website.
    Does this mean I am now no longer Bankrupt? I have no desire to get any credit, but could I now? YES and very doubtful yet.
    And would it be ok to now have a bank account in my own name, instead of sharing the wifes? YES
    I know I should have read all the documents and letters I received from the OR, but they're not really in laymans terms are they?!?

    Keep up the good work all...tougher times ahead.

    Well done on your ED:T
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • Sparx71
    Sparx71 Posts: 39 Forumite
    Cheers, I got the ED letter when I returned from honeymoon...lovely pressie that was.
    Thanks for the reply. Should I now start a Credit file cleanup?
  • dojoman
    dojoman Posts: 12,027 Forumite
    Sparx71 wrote: »
    Cheers, I got the ED letter when I returned from honeymoon...lovely pressie that was.
    Thanks for the reply. Should I now start a Credit file cleanup?

    Yes, you could start to do that now.
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • Sparx71
    Sparx71 Posts: 39 Forumite
    Thanks again......
This discussion has been closed.
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