Discharge

FrankProp

Hi We are now past the last day of the first 12 months of bankruptcy (27th May to 27th June ) and I understood that at the end of 12 mths we aredischarged. Do we have to apply to the Court or to the Bankruptcy Trustee for the Discharge ? Grateful for comments. Thank you.

egrescrimp

Your bankruptcy ran from May 27th 2014 to May 27th 2015, if you are in England you are automatically discharged and don't need todo anything.

tigerfeet2006

Yes, you are automatically discharged 12 months after you are made BR. There is no fan fair just your entry on the insolvency register when you click on it will show discharged. This will be on the register 3 months post discharge and then your entry will disappear. I would suggest you print or take screen shots of this to prove discharge for when you start your credit file clean up. You can also ask your OR to email/send a letter confirming discharge.

ethant

Dear Tigerfeet

Thank you for taking the time to help again.

It was 12 months in February. I have checked the register and I am not on it. The letter I received said the case had been passed to Long Term Asset Distribution Team and to contact them in future. Do you think that means then I have been discharged and not had it suspended?

Thank you so much for this Tigerfeet.

tigerfeet2006

Yes you have been discharged as you are NOT on the register.

As I said in your original thread the RTLU are just the admin team who clear up the loose ends. In your case the repo'd houses.

If you are at all worried you can contact your OR and ask for clarification, they won't mind.

ethant

Dear Tigerfeet

Thank you for that. I am sorry for all the questions - I probably sound a worried one.

So if there were any problems or if the discharge had been suspended, would it still be on the register now, 6 months after the 12 months are up?

Thank you again for your help and advice on this. This is helping more than the hours and days spent looking for answers. Thank you

egrescrimp

ethant wrote: »

Dear Tigerfeet

Thank you for that. I am sorry for all the questions - I probably sound a worried one.

So if there were any problems or if the discharge had been suspended, would it still be on the register now, 6 months after the 12 months are up?

Thank you again for your help and advice on this. This is helping more than the hours and days spent looking for answers. Thank you

If there was anything that would have prevented your discharge from happening automatically you would have heard from the OR

If you've heard nothing and your name is no longer listed on the insolvency register then you are good to go as they say

ethant

egrescrimp wrote: »

If there was anything that would have prevented your discharge from happening automatically you would have heard from the OR

If you've heard nothing and your name is no longer listed on the insolvency register then you are good to go as they say

Thank you. All we had was a letter saying our case had been passed to The LTADT. That sound ok still?

Thank you again.

mwarby

Sounds ok to me. The insolvency register is pretty definitive.

From what I know and my interpretation of this thread, unless the OR tells you that a matter is preventing automatic discharge, the automatic discharge occurs at 12 month stage. This is very unusual and I would expect a letter quite explicitly stating you won't be discharged until the matter is dealt with

alastairq

Since ethant failed to pick up on the Automatic Discharge [plus, 3 months following?]...therefore didn't print off the page from the IS site...... ethant might want to contact the Official Receiver, and request a written confirmation of Discharge?

This may well be necessary for ethant at some point in the distant future, if there are issues with ex-creditors [for example..or even, future mortgage applications?]...who demand Proof of Discharge?

egrescrimp

ethant wrote: »

Thank you. All we had was a letter saying our case had been passed to The LTADT. That sound ok still?

Thank you again.

That's normal, it means they have finished investigating things in your bankruptcy basically and LTADT will then deal with any admin things that may come up down the line and handle paying any creditors if any money emerges from your bankruptcy estate

It's nothing to worry about and you may never hear from them again