Auto Discharge next week....

probey82

Hi,

I went bankrupt last december and next week is my auto discharge date, I was just wondering if anyone knows what happens? I haven't heard anything from my OR since my initial interview. Tbh i thought i would have more to do!! Should i have heard anything from my OR? Just getting a bit worried that I should have done something and I havent!

Ineedaname

I'd take it as good news you haven't heard anything, they're obviously too busy to even be able to send out a pre-discharge IPOQ to check your surplus.:)

Once you are discharged though, make sure you print your record out from the IS website as it's the only proof you'll have unless you apply to the court for a Discharge Certificate (£70 unless you are eligible for fee remissions) or your OR is willing to send you a letter. Some OR will, some won't, some charge, some don't.

Then that's it until Feb/March next year when you can start your clean up.

andyf1980

probey82 wrote: »

Hi,

I went bankrupt last december and next week is my auto discharge date, I was just wondering if anyone knows what happens? I haven't heard anything from my OR since my initial interview. Tbh i thought i would have more to do!! Should i have heard anything from my OR? Just getting a bit worried that I should have done something and I havent!

That was my experience too and my AD was last month. Relief to get it out the way but aside from that no real change :beer:

jetr77

Hi My AD is 29th Nov:j, I havent heard anything from OR since our review in April, we havent got IPA. Cant believe how fast this year has gone by, looking forward to a fresh start.

probey82

Thank you. Feel a bit better now. Wasnt sure whether to contact my OR or not?! Anyway discharge is one week away (6th Dec)

probey82

Discharge tomorrow! just over 6 hours to go, not that i'm counting!

misstraddy

Congratulations, not long now.

My AD is Friday, so I know how you feel. x

rufess1

My AD is on 12th Dec, I also havent had anything off them appart from a phone call regarding my car 2 months into it. What happens next

fermi

Congrats.

tigerfeet2006

rufess1 wrote: »

My AD is on 12th Dec, I also havent had anything off them appart from a phone call regarding my car 2 months into it. What happens next

Your entry will change on the insolvency register at midnight on the 11/12th. Make sure you take a copy of the discharged entry if you can, if you can't write to your OR and ask him if he will be kind enough to send you a letter confirming discharge. if he won't and you can't take a copy of the entry then you will have to pay £70 for the court to give you a certificate, less if you are on benefits or low income. Then 3-4 months after discharge start your credit file clean up as per the sticky at the top of the board.