Discharge date after EDNOT

AT2006

Does anyone know how long it takes for the discharge to become official after the form EDNOT (early discharge notice) has been filed at the county count? I haven't received anything through the post as yet and still showing as bankrupt on the IS website.

I have also talked to the Co-op about their policies regarding discharged bankrupts. I have been asked to post my discharge certificate to KATH MACGUIRE in their credit strategy department. They then say 3-6 months after they have received that the bankruptcy will be taken off the account and you can be upgraded to a normal current account and they do not penalise you forever.

Going B was the best thing I could have done in my situation. I didn't lose everything and now am able to get on in life.

Looking forward to receiving any comments anyone has on this.

Thanks.

fermi

As far as I'm aware you are officially discharged the day the court endorses the EDNOT.

See: http://www.insolvency.gov.uk/freedomofinformation/technical/casehelpmanual/Discharge%20from%20Bankruptcy/discharge.htm

The official receiver must send 2 copies of form EDNOT to court for filing. The court will endorse each copy of the form with the date of filing and return one copy to the official receiver. The official receiver must send the endorsed copy of the form EDNOT to the former bankrupt.
The bankrupt is discharged on the date that form EDNOT is filed by the court (i.e. the date on the court seal).

There may be a delay in you being notified of this, but you are still officially discharged from that date.

Another potential delay is that the OR may send the documents to the court on a particular date, but depending on how busy the court is it may take quite a while for them to process it. You are only discharged once the court has endorsed the notice, and the OR won't receive documents back to then send to you until this has happened.

I have also seen people report that it can take quite a while for the info on the website 'Insolvency Register' to be updated.

fermi

Forgot. The letter and copy of the filing notice that you should receive from the OR is not the the official 'Certificate of Discharge'.

The official certificate must be obtained separately by you directly from the court. Unless you are exempt because you are receiving benefits etc, then it will cost you £60 to get it issued + £1 for each additional copy you want.

However many financial institutions are happy with a copy of the OR's letter and filing notice. I would ask the Co-op which they are happy with.

fermi

I'm afraid there is no set time. From the experiences posted by other people it seems to depend entirely on the court's case load, although in general they seem to be processed quickly (often the same day).

The OR's normally try to discourage enquiries about ED, since otherwise everyone would be asking every month if they were being put forward.

However, in your case, if you think things are taking an unreasonable amount of time, I can't see why a polite enquiry should not be made to the OR.
The admin at the court or the OR is probably stalled somewhere due to case load.

Sorry I can't be of any more help.

fermi

I'm afraid the only thing I can think to do if you feel things are taking too long is to contact the court (maybe you can get a certificate now if they have done their bit ), or the OR, or both.

I can imagine it's frustrating to feel things are stalled at this late stage, but I would also counsel patience.
Still, some people have to go the full 12 months.