AD Today

learningtheropes

Hi Everyone,

Just wanted to say a quick thank you to everyone who has helped over the last 12 months.

Had some tricky situation that i wouldn't have known how to handle without the help of the committed posters on here.

Now i just need to figure out what I need to do next to start getting my life on track.

IF

Hi LTR, I'm so pleased to hear of your AD :beer:




Next step is, if you can print off several copies from the insolvency service site showing your discharge status.

Search Insolvency Register - Click here

Don't forget to click on your surname to bring up full details. Your discharge status will remain on there for three months then disappear or write to your OR asking them to confirm in writing your AD or you can pay £70 for the official certificate of discharge from the court where you went BR (in some cases depending if you are on benefits/low income you can have this for free as well).


-- >http://www.bis.gov.uk/insolvency/personal-insolvency/discharge#Willthecourtchargemeforacertificate

Will the court charge me for a certificate of discharge?
The court will charge a fee of £70 for issuing a certificate of discharge. Further copies will cost £5 each.
If you write to the office that dealt with your bankruptcy they will provide a letter confirming your date of discharge. There is no charge for this.

Then with your letter/proof of AD and a copy of your Bankruptcy order (Form 6.30) you can send them to the CRA's when you do your credit file clean up in 2/3 months time (you can do this earlier but give the CRA's another chance to update your details after your AD). You will find companies report to one of the CRAs rather than all three, that's why it's suggested that you get your credit files from all three of the CRAs to see what's held on there and make sure that:

- The default date is on or before your BR date.
- The current balance is marked as settled/satisfied in some way.

They are £2 each for your paper/online Statutory Reports. Click on blue links below:-

Experian - Click here

Equifax - Click here

Callcredit - Click here
NB: You can't order it online, they would rather you pay £12 don’t do that just print off the application form, P.O. for £2 and post this recorded delivery.

Essential reading fermi’s thread:-

Credit Reference File Clean Up Post Bankruptcy Sticky - Click here

Best wishes
IF

adpod

Congrats...I only have 80 days left, not that I'm counting

luvchocolate

great news....now the relief sets in x

22bear

4 months and 28 days for me...can't believe how fast the time goes!!!Well done, learningtheropes!!