consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
Debt Action Group > Formal Solutions: Bankruptcy, Administration Orders and IVAs

Formal Solutions: Bankruptcy, Administration Orders and IVAs Advice on some of the formal debt management solutions


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 24th October 2007, 18:23   #1 (permalink)
The Phantom
Platinum Account Customer
 
The Phantom's Avatar
Default Bankruptcy - automatic discharge 12 months

Does anybody know what happens after you have been bankrupt for 12 months ?
OH declared bankrupt early October 2006.
We haven't heard anything from the official receiver since April 2007.
The trustee has last been in contact in October 2006.
Are you not supposed to get automatically discharged after 12 months ?
Will we be getting a letter to this effect or is this just "it" now and we won't be hearing anything else anymore ?
Is anything supposed to happen ?
The Phantom is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th October 2007, 20:44   #2 (permalink)
tomterm8
Platinum Account Customer
 
tomterm8's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2007
Posts: 5,177
tomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritative
Default Re: Bankruptcy - automatic discharge 12 months

If you go to the Insolvency Register here, you can search for your name on the register. Once you've found your entry, click on your name & on the page that comes up you'll see the date for your discharge. If you haven't received an Income & Expenditure sheet from the OR by that date, then chances are you won't be getting an IPA/IPO as they can't be imposed once someone's discharged. They don't confirm automatic discharges in writing, but if you want a certificate of discharge, the court will charge you £60 for it plus £1 for each additional copy.

You can find out more info about discharge from bankruptcy here.
__________________
i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

I am not a qualified or practicing lawyer.
tomterm8 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th October 2007, 21:27   #3 (permalink)
IdaInFife
Platinum Account Customer
 
IdaInFife's Avatar
Default Re: Bankruptcy - automatic discharge 12 months

I am in Scotland and been a few years for me so I know it's different.

But i didn't receive anything. I called the trustees office and they clarified date of discharge etc and said if i wanted the discharge letter need to send payment ( a lot less than up here than down there )

but never needed it

Idax
IdaInFife is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th October 2007, 22:13   #4 (permalink)
The Phantom
Platinum Account Customer
 
The Phantom's Avatar
Default Re: Bankruptcy - automatic discharge 12 months

Oh - thanks for that !!
We were waiting daily for a certificate to frame and pin on the wall or something or a bunch of flowers through the post
Well, by the looks of it it could have been a long wait !
The Phantom is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th October 2007, 22:17   #5 (permalink)
The Phantom
Platinum Account Customer
 
The Phantom's Avatar
Default Re: Bankruptcy - automatic discharge 12 months

I just checked the above link and it actually says OH was discharged 02.10.07 !
And no, we haven't heard a dickie bird from anybody since April...
Oh well, an unpleasant chapter closed then !
The Phantom is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
C & G Mortgage Discharge Fee Rob S Other Institutions 6 17th September 2007 22:49
Discharge of Bankruptcy - How Much!!! sunseeker General Consumer Issues 8 16th August 2007 14:51
Secured loan- Discharge Fee dori2o Mortgage companies 20 9th August 2007 23:34
Discharge of security fee? dori2o Other Institutions 2 15th April 2007 11:52
discharge from bankruputce mcadden Halifax Bank and Bank of Scotland 0 4th March 2007 20:52




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.