IPA - change of circumstances after discharge

Ineedaname

So you went BR with in excess of 70 creditors and the OR was able to complete their work on your file so quickly you got ED at 3 months.

Still, you never registered on the forum to share your good news, or to ask questions about all these uncommon situations you experienced?

Ineedaname

Johnpj wrote: »

hence why I asked the question.

About 6 years late on that aren't you?

I would have asked the question at the time when it mattered.

Johnpj

Ineedaname wrote: »

About 6 years late on that aren't you?

I would have asked the question at the time when it mattered.

Sometimes you might not want to ask.

Johnpj

Ineedaname wrote: »

So you went BR with in excess of 70 creditors and the OR was able to complete their work on your file so quickly you got ED at 3 months.

Still, you never registered on the forum to share your good news, or to ask questions about all these uncommon situations you experienced?

You are not usually backward in coming forward, if you want to say I am telling lies, then please feel free to do it.

I think if you read the reasons and thought about what might have happened you will work out what happened.

I had been paying the creditors a regular small amount for years prior to the bankruptcy. In those days it was not with a debt management company, but just the creditors and myself working together. I was able to give the OR all the paperwork, and agreements in place, so their job was very easy. Further all my creditors were fully aware of the situation, and were very happy with my conduct up to the point were one VERY LARGE creditor pushed the bankruptcy button. Rather foolishly.

Ineedaname

What reasons? All we know is you had in excess of 70 creditors and petitioned your own BR. Then you got what must have been one of the earliest discharges in history, but you don't want to say why?

kepar

If at the time you were not working and only on benefits you would not have got an IPA anyway.

Ineedaname

Still don't see how that allows the OR to bypass ED rules.

Johnpj

I am obviously witholding certain facts to protect my identity. But think outside of the box, and laterally, and consider why I might have been given a very early discharge. Even government departments use the "rules" to help people at times.

Johnpj

Ineedaname wrote: »

Still don't see how that allows the OR to bypass ED rules.

I never used the word bypass. Nothing illegal was done, I can assure you.

I say again, Even government departments use the "rules" to help people at times.

There were certain other things that were going on, if you think about it. The main issue with my case was that the OR office felt I had suffered enough torment in my life, and they wanted to find a way of helping me, within the rules. I was guided.

Johnpj

Ineedaname wrote: »

and petitioned your own BR

Not quite.