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Early disharge

uther_2
uther_2 Posts: 174 Forumite
in Bankruptcy & living with it
Just got the letters in the post! We were discharged nearly a month ago!!
Funny that I have been checking the insolvency register quite a bit lately,and it still shows us as Br!
It took 6 months in total,and now I am smiling so much my face hurts.:j
«1

Comments

  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    Well Done, Uther. :T :T

    Funnily enough there was almost a month between my ED and my receiving the letter. :confused:

    Does anyone know how long the Insolvency Service keeps details of your Discharge Date on its website?
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • moyilla
    moyilla Posts: 1,834 Forumite
    Part of the Furniture Combo Breaker
    Well done, hopefully now a new start for you:beer::j
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Great News Uther. :j:beer:

    The OR has to do a bit of admin to update the IR site. Normally done quickly, but it can obviously get delayed.:rolleyes:

    rog2:
    How long do records stay on the register?

    Depending on the type of entry, details stay on the register as follows:
    • Bankruptcy records stay on the register for 3 months after the date of the individual's discharge. If a bankruptcy order is cancelled on the grounds that it ought not to have been made, the debts have been paid or a voluntary arrangement has been approved, then the record of the order will be removed from the register.
    • IVA and FTVA records stay on the register until revoked, completed or terminated.
    • BRO and BRU records stay on the register until they expire or come to an end. They will also be removed if the bankruptcy is annulled (cancelled) on the grounds that it ought not to have been made.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Red1708
    Red1708 Posts: 843 Forumite
    Fantastic news uther :j:j:j

    Well done, so please for you.
    BSC Member 59 - AD 29th March 2008
  • uther_2
    uther_2 Posts: 174 Forumite
    Just checked the register again and see this:
    Discharged On 19 September 2007 (Early Discharge)

    Very very happy.Have to say our Br was painless,after the initial telephone interview we heard very little from the OR,until we got the ED forms a couple of months ago.I wish we had done it years ago,and saved ourselves all the stress of living with crippling debts.
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    Superb news Uther...really pleased to hear

    well done!
    We all die. The goal isn't to live forever, the goal is to create something that will
  • wok_boy
    wok_boy Posts: 759 Forumite
    uther wrote: »
    Just checked the register again and see this:
    Discharged On 19 September 2007 (Early Discharge)

    Very very happy.Have to say our Br was painless,after the initial telephone interview we heard very little from the OR,until we got the ED forms a couple of months ago.I wish we had done it years ago,and saved ourselves all the stress of living with crippling debts.

    Are we al invited round yours for a party? :D
    BR 4/10/07
    ED 11/04/08

    BSC Member No 93
  • fiveyearplan
    fiveyearplan Posts: 10,145 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Great news! Best of luck.

    :j :j


  • uther_2
    uther_2 Posts: 174 Forumite
    Maybe a daft question but: Now I have the ED does that mean I don't need to talk to the OR again? We are moving house in a few weeks and I am assuming the OR does not need the new address? I don't have an IPA/IPO.
  • wherediditallgo
    wherediditallgo Posts: 2,889 Forumite
    Great news, uther. :j If you don't have an IPA/IPO, then I don't think you & the OR need to be talking again either. :)
    BSC #53 - "Never mistake activity for achievement."
     Consumer Credit Counselling Service (CCCS)| National Debtline| Business Debtline| Find your local CAB
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