1. Stopped all debt repayments 2. Opened Co Op Account 3. Bankrupt 20th May 09 Didn’t have to see judge and in court building 15mins 4. 22nd May 09 Phone call from OR. As debt old he cant see any reason for having a interview or a IPA as on benefits though I found that strange as I am on Incapacity and a War Pension. (But didn’t complain) 5. 2nd Phone call asked about Child maintenance and house sale on divorce 6. Co op up and running fine 7. 29th May 09 In Limbo on what will happen next
That's good news Paul, but don't think of yourself in limbo as nothing else will happen. You are not liable to an IPA so shouldn't hear from the OR so you steps should read:
7. Enjoying life without being chased by creditors 8. Hoping for an early discharge
Appreciate all replies .. So wont i hear from OR at all .. No letter to confirm anything. No letter to confirm no IPA .. Seems a strange way to work to me..
Yep, no news is definitely good news in this case. I think the ORs are so busy now that they don't bother sending letters to confirm that you won't be liable for an IPA or that the car is exempt.
They work pretty much the way that other companies do; if you are liable for an IPA and they can get money from you then they will be in constant contact but if they can't get any money from you, you won't hear anything.
The next thing you will probably hear from them is that your case has been passed to the RTLU and they will ask for an updated I&E to see if your circumstances have changed. This normally happens if you are eligible for an ED so, with a bit of luck, you may receive this letter at the end of this year/beginning of next year.
How It Went For Me
Posted - 29 May 2009 : 07:38:54
