Submitted Application - what next?!

Yogibare77

What is a PARV Order?

National_Debtline

Yogibare77 wrote: »

What is a PARV Order?

A PARV order stands for ‘person at risk of violence’. It’s where the bankrupt could potentially be the victim of violence if their address is published in the Insolvency Register and London Gazette.

James
@natdebtline

db2016

so i just found this topic open on one of my tabs in internet browser, so thought i'd update on how things have been, and the process, should it be of help as others were to me back when i needed help!

so the form pack was completed, and i then didnt hear back from the OR for a while which was quite worrying lol. except that i'd forgot to sign one page, of the data protection act (DOH!) so did so and sent back.

again nothing for weeks. so i phoned up and they told me that they had sent letters to all creditors and basically as far as they were concerned it was case closed for them! what a relief, if not a little annoying that they could have told me themselves instead of the worry i had till i phoneed them!

they then just explained that i dont get any sort of notification of the end of the bankruptcy, unless i specifically ask for it (eg some banks would ask for confirmation before giving me certain accounts).

and my "year" till discharging, is due to end sept / oct time.

in the mean time, its been such a refreshing and almost easier existance, dealing with things in cash, and only a very few things coming from bank accounts (where as when had creditors, they would dip in and try take frequently). i have a few bills come out and some online shopping sites occasionally. but apart from that i pay in cash. if i dont have the cash, i cant get what i want, simple. although occasionally (especially near xmas just gone), it would have been nice to have access to a credit card for the protection of it, for a purchase i needed to make.

although tbf, my money management is better now so I know what i have and dont "run short" kinda thing. and have a much more comfortable lifestyle, not extravagent but more of a cash of, i know i have 20 quid to go out for a meal with friends and not feel anxious about it etc.

so my advice should anyone come across this post when in a similar position, is yes its scary, yes its a worry, but when you follow the process, it gets much much easier and a BIG weight is lifted and its ok to make mistakes. Use them to make it better next time around and learn from them as I feel I have.

thanks to all who have helped me and answered my many queries.