newly discharged

stevelo

hi all I was discharged couple of days ago and want to ask what now? will I get any notification via email or phone call? will I hear from anyone again? I had my interview with the bankruptcy people last year then not heard anything ever since. is that it? do I just "crack on" for next 5 years before my credit file reverts? thanks all 

mwarby

From what I've read no notification from OR, but you might want to ask them for a discharge certificate as maybe useful in future. If you had an IPA you still need to keep paying, and inform them of any change of circumstances for the next 2 years.

In terms of credit file, yes it's basically just wait for 5 years, although in a few months I'd get your credit files and check default dates are correct. There will be the option of getting a credit card, this might be useful to demonstrate some good account conduct, but time is the biggest thing to repairing credit history

luvchocolate

Hi if you go onto the IS site and search your name..click on your name and it show discharged...I suggest you print of a couple as it's only on there for 3 months. 
Then leave it a couple of months and check your credit report on all of the agencies...anything not right follow the sticky.
Try to relax now and look forward to this fresh start 

thevdm

Borrowed from https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/bankruptcy-2/after-you-go-bankrupt/discharge-from-bankruptcy/

Send them an email with the required details and they will email you a PDF certificate that you can print out or send via email.

How to get proof you've been discharged

Your discharge from bankruptcy will happen automatically, so you won't necessarily get proof sent to you.

Email the Insolvency Service discharge.queries@insolvency.gov.uk to get a free confirmation letter. You should only ask for this after the discharge date.

If you ask for a confirmation letter, you must include your:

• full name
• date of birth
• current and previous address
• National Insurance number
• court reference number

If you’re applying for a mortgage, you’ll need a ‘Certificate of Discharge’. If you originally applied for bankruptcy through a court then you’ll need to ask them for a certificate. This costs £70 and £10 for extra copies.

If you originally applied for bankruptcy online, email the Insolvency Service discharge.queries@insolvency.gov.uk for a certificate. There’s no fee for a Certificate of Discharge if you applied online

db2016

yea, as above, the OR emailed me a PDF copy of the notice. and i was then obviously able to attach to email to whomever etc.

stevelo

update, I emailed them with the required info and got discharge letter emailed to me to print off.
 thanks all