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Bankruptcy application submitted - Thanks guys

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Well guys, 
Mainly a big thank you to each and every one of you who have been patient with me and answered my questions over the last couple of weeks. 

I have late this afternoon hit the submit button on my application, the application was completed about a week ago, I was just scared to actually submit. 

Now time to await a response from the Adjudicator, after submission it said ‘within 28 days’ but believe it to be much quicker?
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Comments

  • luvchocolate
    luvchocolate Posts: 3,387 Forumite
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    Should hear within a few days 
  • Mart7379
    Mart7379 Posts: 207 Forumite
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    Hopefully, the sooner the better don’t think I could cope waiting for the full 28 days 
  • luvchocolate
    luvchocolate Posts: 3,387 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Home Insurance Hacker!
    Someone posted today..heard following day 
  • Mart7379
    Mart7379 Posts: 207 Forumite
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    If the responses from the insolvency service via email is anything to go by. I’m sure I will get a response tomorrow at some point. 
  • MrFrugalFever
    MrFrugalFever Posts: 1,301 Forumite
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    Good luck and I hope it all goes ok. Just remember, it’s only money after-all, you won’t be the first and certainly won’t be the last....!
    If you believe you can, you will. If you believe you can't, you won't.

    Secured/Unsecured loans x 1 
    Credit Cards x 8 (total limit £55,050)
    Creation FS Retail Account x 1
    Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
    0% Overdraft x 1 (£0 / £250)
    Mortgage Outstanding - £137,707.00 (Payment 13/360)
    Total Debt = £7,400 (0%APR) @ £100pm - Stoozing

  • Mart7379
    Mart7379 Posts: 207 Forumite
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    Good luck and I hope it all goes ok. Just remember, it’s only money after-all, you won’t be the first and certainly won’t be the last....!
    Thanks, yes it’s only money at the end of the day. Hopefully will hear some good news tomorrow and  I’ll be effectively debt free. 

    Still a bit worried about the whole process but it needed to be done and I am sure I will breathe a huge sigh of relief when it’s all over
  • Mart7379
    Mart7379 Posts: 207 Forumite
    100 Posts Second Anniversary Name Dropper
    edited 22 April 2021 at 9:45AM
    Wow, that was quick, submitted my application around 15.30 yesterday 21st April, received approval at 09.30 this morning 22nd April 👍👍 

    I am now officially bankrupt and effectively debt free
  • Locsoc
    Locsoc Posts: 7 Forumite
    First Post
    Mart7379 said:
    Wow, that was quick, submitted my application around 15.30 yesterday 21st April, received approval at 09.30 this morning 22nd April 👍👍 

    I am now officially bankrupt and effectively debt free
    I submitted mine 2 weeks ago and received the approval email the following day too.

    Still haven’t had any contact/interview with the official receiver yet, not sure if that’s a good think or not! 

    Good luck  
  • Mart7379
    Mart7379 Posts: 207 Forumite
    100 Posts Second Anniversary Name Dropper
    I really wasn’t expecting a response pretty much 1st this morning considering I only submitted late afternoon. 

    Not looking forward to the telephone interview with the OR to be honest, but it has to be done and I’m sure once it’s done I’ll wonder why I was so worried. 
  • Mart7379
    Mart7379 Posts: 207 Forumite
    100 Posts Second Anniversary Name Dropper
    Locsoc said:
    Mart7379 said:
    Wow, that was quick, submitted my application around 15.30 yesterday 21st April, received approval at 09.30 this morning 22nd April 👍👍 

    I am now officially bankrupt and effectively debt free
    I submitted mine 2 weeks ago and received the approval email the following day too.

    Still haven’t had any contact/interview with the official receiver yet, not sure if that’s a good think or not! 

    Good luck  
    On Friday I received a couple of documents via email to sign and return, have signed them today and intend to email back to them later once my wife returns home from picking up our daughters birthday presents as she needs to ‘witness’ 

    Anyway, with you saying you hadn’t heard anything for 2 weeks, I did notice in the documents I had received. They only need to ring if they require further information in regards to your application, even then they might only contact via email. If your application is straight forward they probably didn’t need to discuss anything. Either that or they have a backlog of Bankruptcies to get through 
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