I was declared bankrupt on 25/7/2008. I started my Payment Agreement in November 2008 and have been making payments ever since. I know the house I owned at the time has been sold. I haven't been contacted by anyone since the beginning of the year. Any idea when I will be discharged??
You will automatically be discharged on the 25/7/2009 although may have received early discharge as you are not normally notified. Have a look on the Insolvency Register (http://www.insolvency.gov.uk/eiir/) and if you aren't already discharged then you will be on Saturday
It's automatic discharge you won't hear anything from the OR. Your details will change on the insolvency register to show that you are discharged so make sure you print a copy in case you need proof of discharge. After 3 months you'll drop off the register completely.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
Now I'm discharged am I allowed to accumulate savings? I won't have a fortune but I'm 40 in two years time and would like to go on holiday to celebrate it. It will coincide nearly with my final IPA payment too. Skippy 13 - I'm following your hints on clearing up my credit file - thanks :-)