Changed default date to after bankruptcy

danjackson2021

Here is the last letter I received 

“ We are writing to you in regard to the Bankruptcy you have recently informed us about. We would like to apologise for the late response and thank you for your patience regarding this matter.

Kindly note that due to the discharge we are unable to confirm your bankruptcy using the Insolvency Register and we kindly ask that you provide us with the relevant documentation showing the bankruptcy approval as we are unable to take any actions on your sold account ********** and credit file before receiving this. 

I can assure you that once the documentation has been received and processed this agreement will be adhered to on our end. 

Once again, we apologise for the late reply and we look forward to hearing from you!

danjackson2021

My reply

” The discharge is always exactly 1 year after you should know this

You can find all the documents on the insolvency register ”

Sonic101

Unless you are within three months of the discharge date, your bankruptcy will no longer be on the insolvency register.

fatbelly

There are no documents attached to the register - it's just a statement of current insolvency. As Sonic says, this disappears  three months after the discharge date

JCS1

danjackson2021 said:

My reply

” The discharge is always exactly 1 year after you should know this

You can find all the documents on the insolvency register ”

Not always, the OR could have gone to court for a suspension of discharge.

danjackson2021

The point is this debt was included in the BR but they put the default date just after 😔 

danjackson2021

On the six year anniversary I will have to wait a little longer for this one to drop off and have a clean slate again 

danjackson2021

JCS1 said:

danjackson2021 said:

My reply

” The discharge is always exactly 1 year after you should know this

You can find all the documents on the insolvency register ”

Not always, the OR could have gone to court for a suspension of discharge.

Well in that case it will be longer than a year

my point is that my bankruptcy was at least 12 months prior to discharge so I shouldn’t have to prove that

flipflopflo

The Insolvency Service will provide a letter, at no charge, confirming your date of discharge. To get a letter you can call the Insolvency Enquiry Line on 0300 678 0015 or email requesting a letter of discharge to discharge.queries@insolvency.gsi.gov.uk.

danjackson2021

flipflopflo said:

The Insolvency Service will provide a letter, at no charge, confirming your date of discharge. To get a letter you can call the Insolvency Enquiry Line on 0300 678 0015 or email requesting a letter of discharge to discharge.queries@insolvency.gsi.gov.uk.

The date of discharge is shown on my credit file