I filed for Bankruptcy in 2007, but never received a Discharge Notice. How do I apply for one please? I still have the original papers, because I was told I would have to wait 7 years to apply for a discharge, but is this no longer the case?
You would have been automatically discharged after 12 months and removed from the Insolvency Register 3 months later, but if you are looking for an actual discharge certificate you will need to pay £70 for one at the county court where you went bankrupt – it is not free despite the court fees you paid. We don’t think there is any point in doing this now, but for the benefit of other readers, it is worth obtaining the discharge certificate and sending copies to all of the credit reference agencies. The agencies are slow to update credit files and we’ve heard of cases where people are still being listed as bankrupt two years after discharge. Needless to say, this does little to help those trying to improve their credit ratings.
Bankruptcy UK offers a full bankruptcy administration service, including dealing with creditors, completing the all important Income and Expenditure, professional completion of the relevant paperwork and bankruptcy help at all levels. Call us on 01425 600129 or 0800 5977 977 for a chat about your circumstances.