Heard Nothing from IS Following Bankruptcy

tickles2

Morning folks. My bankruptcy was signed off by the County Court in November. I had preamble phone call and in depth telephone interviews with the Insolvency Service during the following week.
At the time I was unemployed so the OR wasn't interested in receiving details of my income and household expenditure.

The OR said towards the end of the telephone interview that there were some concerns that he had that may or may not result in their referring back to me with further questions - However, he also said that this might not be the case. It depended how his boss saw the case once he'd reviewed the OR's interview notes.
He said they would be making their final report by some point that I can't recall in December (last year).
He said that this would more than likely be the last contact that I would have with the OR and wished me luck with my future.

A couple of weeks later I received a later from someone else in the same local OR's office with a list of questions. This arrived at least a week before the date the OR had told me they would be making their final report by.

I responded directly by email as he wasrequested, answering comprehensively and accurately his questions.
In the interests of openness and honesty I also stated that since my interview with the OR, I had found a job. I stated that I was contracted to work 150 days a year (3 days a week) at national minimum wage. I said can you please inform me of any information you require from me now that I am employed.

I received a reply thanking me for prompt reply and the answers to their questions which they said had clarified their queries.
That was it - No mention of my job or what to do about it.

Since then I have received no correspondence whatsoever. My questions are:

1. As they were supposed to be "completing their report" by sometime last December and as I have heard nothing since the email confirming the answers they had to their questions before that date, can I consider this matter closed? Or will there be/should there have been further correspondence?

2. As I informed the OR of my job by email and received a confirmation directly from the individual I emailed that he received it, have I satisfied my responsibilities? I guess either they've assume that from the 150 days I'm contracted to work per year and the low rate of pay that there wouldn't be a surplus. Or they've someone in the OR's office hasn't done what they should have done with the information I provided in the email. Either way, I'm presuming if they try and tell me I've not told them about my job later on, I have email proof that in fact I did so I shouldn't penalised.

I'm trying to do the right thing as I want to put this chapter of my life firmly behind me. The last thing I want is a BRO or an IPO because it's deemed I've done something wrong.

Any help very gratefully received. Thank you! :beer:

Cobalt77

IMHO, you've done everything needed of you by informing the OR of a change in circumstances - so you've fulfilled your obligations as a BR. If they don't do anything with this information, that's their negligence not yours (obviously, take several backups of the email correspondence, lol)

As a sidenote, I heard nothing from the OR after I had gone through the initial interview stuff - and I have never received a copy of any "final report" (my BR was a few months before yours)

The only subsequent correspondence I received was a letter around 3 months after going BR which advised me my case had be transferred to the "admin unit" (or some similar title) at Cardiff. This apparently means the local OR has finished their work, and has then placed you "in storage" until your BR becomes discharged.

Finally, it seems that unless you've been really naughty or owe a shed load of money, the OR doesn't seem to be that bothered nowadays. When I talked to my "Examiner", she did say they had a lot of redundancies and were particularly over-worked - so I'm guessing they tend to process cases as fast as possible.

HTH