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 contact the Insolvency Service on 0300 6780015.
We are not certain there is any point in doing this after all this time, 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 has been helping people with bankruptcy since 1998 and will guide you through the process step by step. We will avoid jargon and confirm all discussions by email within 30 minutes. Call us for a chat about your circumstances on 01425 600129.