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maizie
Average Member
United Kingdom
566 Posts |
 Posted - 04 June 2009 : 11:25:50
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I had early discharge in March, I didn't have to fill out a new I&E form, I just had a letter from my OR to say I had early discharge. I have just received a letter from the RTLU saying they have now taken over my records. Who are these and what do they do? I am assumimg I still have early discharge?
I also need to write to each of my creditors asking them to amend my credit files. I had a stay of advertisement so none of my creditors know my new address. How would I go about this?
Maizie |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 04 June 2009 : 12:29:15
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Your case goes to the RTLU once the OR has finished with it and this is normally the time that you are discharged, either early or automatic. Check the Insolvency Register to see if you are shown as discharged but if the OR has said you are then you should be. Your details stay on the Register for 3 months after discharge so you should still be there.
You should also print a couple of copies of the Register showing you are discharged as some companies may want proof that you have been discharged if you want to upgrade your bank account from a basic account, etc. The other option is to pay the £60 fee and get a discharge certificate from the court that you were declared BR in.
When you contact your creditors just advise them that you have moved since you were declared BR. You can include the loan/CC account details to confirm they know which accounts you are talking about. You could also print off the details from your credit file.
Don't be surprised if you don't hear from the creditors straight away as they won't be in any hurry to update the records. There is a very good thread on another board (http://forums.moneysavingexpert.com/showthread.html?t=677875) that explains the procedure and how to chase the creditors if they don't update the records within a reasonable time frame.
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 04 June 2009 : 12:34:14
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Have you got an IPA? My case was passed to the RTLU, presumably because I've got an IPA as they deal with assets.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
23 IPA payments made, 13 to go - on the home straight! |
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maizie
Average Member
United Kingdom
566 Posts |
Posted - 04 June 2009 : 12:42:46
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Thats the problem... how am I supposed to hear from the creditors if I am not to give my new address out for other reasons?
Definately discharged on the 20th March.
Hi Skippy, yes I have an IPA. So I just carry on as normal, pay my IPA each month and thats it?
Maizie |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 04 June 2009 : 13:12:31
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That's what I've been doing. My IPA was reassessed in April and I had to contact the RTLU rather than the OR's office I originally dealt with and to be honest they were much more helpful.
I started writing to my creditors and most have updated my files, but to be honest I got bored!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
23 IPA payments made, 13 to go - on the home straight! |
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sleeplessnights
Junior Member
United Kingdom
256 Posts |
Posted - 05 June 2009 : 19:18:56
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4 weeks ago I emailed the RTLU about our early discharge. They confirmed that we would obtain early discharge as none of the creditors objected and that we would receive the discharge certificates within 2 weeks.
Still waiting ...... |
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 05 June 2009 : 21:48:05
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Hi,
i have been discharged after 6 months butd i havent got anything from RTLU-idont even know what this stands for. I have only ever dealt with the OR office. what does RTLU stand for? Sorry for jumping in on thread.
Thanks
Tracy XX |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 06 June 2009 : 08:33:34
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RLTU = Regional Trustee Liquidator Unit.
They are the one's who handle the case after the OR has finished with it. If you have been discharged then you are unlikely to hear from them unless you are paying an IPA, in which case you 'may' hear from them until the IPA has finished as they normally check the I&E when the case is passed to them.
Sleeplessnights - normally the discharge certificate costs £60 so I don't know if the RTLU would send this even if they said they would. Keep checking the Insolvency Register as this will show if/when you have been discharged. |
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jelojo
New Member
United Kingdom
71 Posts |
Posted - 06 June 2009 : 09:30:14
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| sorry to jump into this thread but how do you check the insolvency register??? |
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Niobe
Administrator
United Kingdom
4590 Posts |
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Topic |
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Early Discharge
