I'm a newbie here and have a good look through the other posts but can't seem to find an answer to my question (perhaps there isn't a definitive answer!).
I declared myself bankrupt in Feb 2004 & it was discharged (under the new rules which came in around that time) on 1st April 2005.
We are in the process of looking to apply for our first mortgage and I wanted to check the position regarding declaring discharged bankruptcies over 6 years after the discharge. I have checked my credit file & there is nothing on there relating to the bankruptcy, as I would expect.
Is there a hard and fast rule about whether the bankruptcy still needs to be declared (like for example on car insurance where a speeding conviction which is regarded as "spent" doesn't have to be declared even if asked)?
Hopefully someone can help