Discussions on life after your bankruptcy discharge.

Moderators: TalbotWoods, JaneClack

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By32k in debt
#88435 Just found out today, from the Insolvency website, that I have been discharged. Bit of a surprise, as it's been under 7 months and I was well and truly dug in for the 12 month wait.

Anyway, just want to say a big thanks to everyone in this forum, especially those who dedicate a lot of their own, unpaid time answering the posts - Mel_Odious, Vanilla_Sky, Sarah, Nicky, TalbotWoods, Sonic, Sassy&Sorted, POPPY25, merrymouse, and homely, to name the top 10 posters. Ransid is another to watch too!

Everyone’s help, advice and experiences were and continue to be invaluable. I've recommended many to the forum and I hope it continues to grow.

Now to embark on the notoriously long road that is sorting out my CRFs…

ps. I’ve got the IC to look into why the London Gazette website continues to offer a publicly searchable database of insolvencies long after (indefinitely it would seem) individuals have been discharged. This appears to contravene the DPA in respect of keeping publicly available records longer than necessary. I’ll probably hit a brick wall but I thought it was worth a try.
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ByTalbotWoods
#88463 Well done on the discharge, and I'm pleased to see that at least the IS site is up to date, just a shame the OR didnt inform you.

I know the answer to the Gazette Question, it is becasue the information has been published in the public domain, and consequently that is way it remains. Once public always public, because people could legaly keep the copies of the public notices printed in the press and make them available. Besides it help me find out what happend to one line of my family tree.

Good luck for the future

Tim
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By32k in debt
#88465 Thanks TalbotWoods! I've sent the OR an email to see if they can send some proof. I'll probably get the Certificate of Discharge too, but I'm not exactly clear on how to go about doing that? Is it a case of walking straight into the court waving my £60, or is there some kind of "booking myself in" procedure?

As for the Gazette, it just seems to be "too" accessible. As you know, the IS site removes the entry after a few months even though the information was published in the public domain. Sure it will always be on record, but it's nice to know it's not freely available to the whole world, especially after 6 years as with the gazette.

I guess I just have an objection to my personal information being readily available - I mean, we complain when someone takes our addresses and sends us unsolicited mail, but then there's no stopping that someone lifting our details from the Gazette website and doing the same, indefinitely.

I guess I'll have to work on my entry slowly becoming invalid - move address, change my name, leave the country :wink:
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ByTalbotWoods
#88467
32k in debt wrote:I guess I'll have to work on my entry slowly becoming invalid - move address, change my name, leave the country :wink:


LOL and dont forget the gender reassignment! :shock: :shock:

I think the clue for the londong Gazette comes from what it is:

The London Gazette is the oldest surviving English newspaper and the oldest continuously-published newspaper in the United Kingdom, having been first published on 7 November 1665. The Gazette is the official newspaper of the United Kingdom, wherein certain statutory notices are required to be published. It is not a conventional newspaper offering general news coverage, and does not have a large circulation.

And as you know a lot of the newspapers are now being archived on the net, which can be a curse or an advantage, even our local paper has arvhed back to 1996, and intends to make available in PDF format the entire published set going back to issue 1, but they are doing this is stages, and dont anticipate completing this until 2010.

Call it the curse of the net!

Tim
User avatar
By32k in debt
#88468 Some people say the Internet is a bad thing

/Discuss

:wink:
ByStephen
#88525 Congrats 32K!

Same for me too - just been onto the website and read the good news :-) I'm considering getting the certificate too, and likewise am not sure how to do it exactly ... I will wait to read someone wiser's answers ;-)

Nice to be on this board isn't it?
User avatar
ByAnge
#88533 Nice one 32K
User avatar
ByTalbotWoods
#88534 How to Get Your Discharge Certificate

Once you are discharged you can apply to your locla court for a Discharge Certificate.

It is worth phoning the court as each have their own proceedures for this.

Inevitabely it will need you to fill in a short form, giving them some basic details and it will cost you £60.

However if you are on benefits, or low income, then you can claim a remission in the £60 fee, either in full or part, you do this on Form EX160, which is available at the court (You can also download it from HERE Note this opens as a pdf!)

They will then either arrange a date and time for you to collect it or post it to you, unfortunalty it is not a pop inand collect as it need to be signed by a District Judge.

Hope that explains it a bit

Tim
ByStephen
#88538 Thanks for that Tim... I'll get onto it today!

Stephen
User avatar
By32k in debt
#88577 Thanks NMH and good to hear it's happened for you too Stephen! - feels good huh! The first day of our fresh starts... Credit can kiss my posterior...

It is weird though. I seem to be getting far too many congratulations from friends and family - definitely more so than when I graduated or passed my driving test. Sign of the times maybe? Someone mentioned the need for a congratulatory discharge card - definitely a market there for Clintons.

Thanks Tim for the advice. I'll give them a call now to see when I can pick up the formal Certificate of Discharge. At the moment all I have is Form 6.82 - Notice Under Section 279(2) of the Insolvency Act 1986.

By the way, how long does this continuing duty pursuant to section 333(1) and 291 last for?

Anyway, time for a small drink... and then it's off to the High Court.
User avatar
ByTalbotWoods
#88583
32k in debt wrote:
By the way, how long does this continuing duty pursuant to section 333(1) and 291 last for?

Anyway, time for a small drink... and then it's off to the High Court.


Stop asking difficult to answer questions!! <grrrrrrrr>

OK from the best information we have, which has been confirmed from several sources it is one of the following:

3 years from the date of yor bankruptcy

or

Never

Now your confused and so are the specialists!

OK as a rule it is 3 years from the date of your bankruptcy, there are very few cirsumstances when it would extend beyond that (and I do mean very few!) and from what I have seen and read of your circumstances, the 3 years fits you.

So as the late great Clive Dunn wold say "Dont Panic, Dont Panic!"

Tim
ByVanilla_sky
#88589 Nice one 32k :-)

I keep checking daily on the Insolvency site but we are still down for 13th March.....roll on lol

xx
User avatar
By32k in debt
#88616 Cheers Vanilla!

It won't be long now for you. I was in it for the year and this is a bonus! I hope everyone get's an ED but if not, one year is nothing compared to many years for debilitating debt.

Tim - I promise, no more questions :wink:
User avatar
Bybernieflint
#88632 Nice result 32k, bet you're chuffed.

Does this continuing duty pursuant to section 333(1) and 291 mean that 32k has to continue to co-operate with the OR :?: Would that mean that if say 32k moves address in the next two years or so he would have to notify the OR?
User avatar
ByTalbotWoods
#88636 No it about After Aquired Property and the need to continue to co-operte with the OR.

Nothing to worry about as it doesnt affect most of us on here

Tim
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