How long for discharge ?

blind-as-a-bat_2

Addicted2Chocolate wrote: »

I may well have misinterpreted some of the replies on this thread. I feel that sometimes people assume I am not a nice person because I work for an OR's office, and the only comments I see on this board about the OR are negative. Sometimes people say the interview was ok but thats rare. Its disgusting if people are being forced into IPAs they cannot really afford, in my experince that does not happen. I spend more time suggesting expenses that the customers has not included and can honestly say i have never co-erced a bankrupt into agreeing to an IPA. For when that does happen there is the 14 days cooling off period.
I try and treat all my customers with dignity and respect. Of course there will be differences of opinion, long may that continue! I know that I could be bankrupt one day, it can happen to anyone and everyone. I am just grateful we live in a country with bankruptcy legislation. The legislation is far from perfect but better than nothing.
With respect to the online register, I was of the understanding that entries are removed from the EIIR 3 months after the discharge date.
http://www.insolvency.gov.uk/guidanceleaflets/iir/iir.htm
If the information is elsewhere more than 3 months after discharge that is wrong and should be reported to someone.
Bankruptcy is a civil matter, not a criminal matter, there should not be the stigma and fear associated with it. I had not realised how important ED is from an emotional point of view. I will try to bear that in mind. I was thinking based on a staff & time resources consideration. The OR's offices may not have enough staff to admister the ED with incoming cases rising so rapidly.
There are lots of great advisors on here, fermi, Debt Doctor, Richard S etc, so I think I should spend some time sorting my own finances and with my family. Our income is being squeezed too!
Watch out for a BBC tv programme documentary about bankruptcy, currently being filmed.
All the best.

You already know what i think A2C;) All the best and hope you choose to come back when you can:T

debtissoeasytogetinto

I also hope you stay around - your provide valuable information to all those who travel down the BR route.

maxmycardagain

Addicted2Chocolate wrote: »

1. Just my personal opinion bit I dont see the point of ED.

2.Is automatic discharge at 1 year really that much different or worse than ED at say 6 or 9 months?

3.I would like to see the whole ED scrapped from the Enterprise Act.

1. As your not a BR you wouldnt (but you are entitled to your opinion)
2. Yes, from a BR's perspective (I see the yorkshire ripper wants parole...)
3. Well its in the AOP for a reason, if you really oppose it you need to speak to your MP.

[FONT=Verdana, Arial, Helvetica]The truth that makes men free is for the most part the truth which men prefer not to hear.

[/FONT]"I may not agree with your opinion but I defend your right to have one......"

diane4

Hi, thank you for all the advice you have given, PLEASE PLEASE don,t stop. It will be good to see a programme about bankruptsey [think I spelt that wrong] it will give people an insight into how hard it is to make a choice like this
Take Care
Diane:eek: The debt never seems to get smaller