I have just moved to a new address and am thinking of going bankrupt.
The rule used to be that you needed to have lived in the jurisdiction of your local County Court ‘for the greater part of six months’ or three months and a day. However, with the advent of the new Bankruptcy Adjudicator’s office, where you live is no longer an issue. The Adjudicator has taken the place of the county court judge and court appearances are no longer necessary.
Bankruptcy applications are now submitted online and there is no face to face contact at any point. In fact, the only contact you will have with anybody is call from the Official Receiver to test understanding of the application. Being an online process it almost sounds like fun, but make no mistake it is still taken every bit as seriously.
If you are unsure and would like more information then call us directly and we can run through the process with you. The decision of going bankrupt will be based on your primary instinct as to whether or not you actually think you can get your way out of debt or at least get it to position where it is stabilised and under control.
Most people considering bankruptcy might have started in a debt management plan, then progressed to an IVA and finally a bankruptcy order. Of course it’s not like this all the time, but many people with debt levels under £10,000 – £15,000 find themselves in this position.
Bankruptcy UK specialises in taking people through the bankruptcy process and submitting bankruptcy applications online. Court appearances are no longer required for bankruptcy. Call us for an informal chat about your circumstances on 01425 600129.
The only possibility is to get a copy from the County Court where you went bankrupt. Provided the bankruptcy didn’t take place more than six years ago, it should be possible.
Feel free to call us on 01425 600129 with any other questions or for bankruptcy help. Questions may also be posted on our Home Page. Please note, court appearances are no longer required for bankruptcy as everything is processed online.
If you call the County Court where you went bankrupt, they will tell you what they charge to provide a certificate of discharge. Once you have this, it would be best to send copies to the credit reference agencies as they don’t automatically update credit files.
This would be the first step in restoring your credit rating. The next step might include obtaining an ‘impaired credit rating credit card’ (Lumus.co.uk, Capital One) and making / paying small transactions, month after month. Certain broadband providers, such as Virginmedia, also set up contract arrangements on your credit file and record payments made.
Feel free to call us on 01425 600129 or 07479 739139 / 07894 481175 with any further bankruptcy questions or for bankruptcy help.
I have been bankrupt for ten years as an indefinite restriction applies to me. However, last year i complied with all that was asked of me and expected to have the restriction lifted. Now i have been told that the official receiver has lost my file and has asked me to send them all the information again. This is not possible as I sent them the original copies – what should I do?
In cases where you feel that you are being treated unfairly by the Official Receiver or a Trustee, the best thing is to submit a Form 7.1A Application Notice to the County Court citing section 303 of the Insolvency Act ‘General control of trustee by the court’ which reads: ‘If a bankrupt or any of his creditors or any other person is dissatisfied by any act, omission or decision of a trustee of the bankrupt’s estate, he may apply to the court; and on such an application the court may confirm, reverse or modify any act or decision of the trustee, may give him directions or may make such other order as it thinks fit’. It will go before a Judge who will decide if you have a case. We think you do, so best of luck.
Bankruptcy UK specialises in taking people through the bankruptcy process in a straightforward manner. We will assess your circumstances then submit the bankruptcy application online. Court appearances are no longer required for bankruptcy. Call us for an informal chat on 01425 600129.
You need to contact the County Court where the bankruptcy took place and hope they have records dating back over 10 years, which we doubt. We are surprised that the company wants sight of a discharge letter – how on earth did they find out about it, when it would have been removed from your Credit File six years later?
Feel free to call us on 01425 600129 with any other questions or for bankruptcy help. Questions may also be posted on our Home Page. Court appearances are no longer required for bankruptcy as everything is processed online.
I have been told to pay £350 each for me and my partner to go bankrupt – now they are saying the law has changed and we have to pay £1000 each
Neither of these fees sound right and the latter figure sounds like it includes fees for professional services. There is now one universal fee of £680 per person for bankruptcy and no more fee remissions for low earners, those on benefits or pensioners and is paid at the same time you submit the online application to the Insolvency Service. As from 6th April 2016 the courts are no longer processing bankruptcy applications.
Bankruptcy UK specialises in taking people through the bankruptcy process in a straightforward manner. We will assess your circumstances then submit the bankruptcy application online. Court appearances are no longer required for bankruptcy. Call us for a chat about your circumstances on 01425 600129.