AD Today (I think...)

sfjnet

Dear friends, today is exactly 1 year since the dreaded court date that resulted in my BR. I was worried about even lasting the year back then but in the end it seemed to go so quickly - I guess you just get on with life and time rolls by. Anyway, I'm sure the answer to my question has already been posted many times but if you would be so kind...

Now that I have done my year does everything happen automatically? By this I mean does the Insolvency Register update to show me as other than "bankrupt"? Also, does my tax code automatically go back to normal from NT? Aside from the credit file clean up which I will start in due course, is there anything I need to do (or be worried about) now? I had no IPA so I'm hoping this will be the end but as always your info and experience would be hugely appreciated. Cheers!
:beer:

IF

Hi sfjnet, with AD the insolvency register should automatically show your discharge status (Click on your name to see it) have you checked:-

Individual Insolvency Register - Click here.

Wait 2 to 3 months for credit file clean up.

Best wishes
If...x

fermi

Congrats on the AD.

Insolvency register: Yes. Should automatically update to saying "discharged on xx/xx/2011"

Tax code: Should go back to normal, but keep an eye on it. Occasionally for someone it does get messed up and not change.

An IPA is not possible now.

sfjnet

ifwisheswerehorses... wrote: »

Hi sfjnet, with AD the insolvency register should automatically show your discharge status (Click on your name to see it) have you checked:-

Individual Insolvency Register - Click here.

Wait 2 to 3 months for credit file clean up.

Best wishes
If...x

Yes, I checked but still showing as BR. I guess I'm expecting things to happen a bit too quickly.

Many thanks for your advice.

fermi

sfjnet wrote: »

Yes, I checked but still showing as BR. I guess I'm expecting things to happen a bit too quickly.

Many thanks for your advice.

Make sure you click on your surname in blue when viewing the results.

Does that say you are discharged when you do that?

IF

Edit Fermi beat me too it

It will stay on register for 3 months but as Fermi says it should say discharged now x

uglysmithy80

hello FERMI,


Why is a IPA not possible now ?

Kind Regards
Andrew

uglysmithy80

fermi wrote: »

Congrats on the AD.

Insolvency register: Yes. Should automatically update to saying "discharged on xx/xx/2011"

Tax code: Should go back to normal, but keep an eye on it. Occasionally for someone it does get messed up and not change.

An IPA is not possible now.

Why is a IPA not possible now ?

dojoman

uglysmithy80 wrote: »

Why is a IPA not possible now ?

Because once you are discharged, if an IPA is not in place ,then one cannot implemented.

uglysmithy80

THANK YOU so much .....

sfjnet

fermi wrote: »

Make sure you click on your surname in blue when viewing the results.

Does that say you are discharged when you do that?

YES!! Thanks so much - I had just been looking at the first search results page with the info on one line (which says bankrupt) but when I click through to the details it says I'm discharged!!!!

My first inclination is a celebratory curry and a few beers with my wife but that will have to wait until the weekend - it's my son's easter concert at school tonight!

Thanks again to all forum members who have been so incredibly helpful to me through the whole journey.
:T