Bankruptcy Order 13 June 2006
Discharge 10 January 2007

I am a Co-operative Bank customer. I had a bank review in August 2011. I have been banking with them since 2006. At the review I alerted the advisor that I had previously been made bankrupt, but that I couldn't recall the date right then and there. The advisor said that there was no Bankruptcy showing on my account. Upon his advice, the advisor applied for a current account and credit card during this review. Both applications were accepted and are now in use.

Their question: At the beginning of October I started my second year of a 3 yr part time MA. I intended to pay for the remainder of the course with a Professional and Career Development Loan. I came to this decision after the August Review because I had succeeded in gaining a current account and credit card - which suggested to me that I was able to pass credit checks now. Today I phoned the bank in regards to a few questions on the PCDL application form. One question asked how long I had been with the Co-op Bank. I gave the PCDL advisor my current account details. The advisor then told me that the Bankruptcy is still showing as 'a note on the system' and that I should not apply for a PCDL. I then went to the branch where my review took place to ask them what was going on. They advised that I should probably not have been given the new account and credit card, and that if they look into it further after today's phone call, I may be forced to close them in the future.
QUESTIONS:
1. Am I allowed to apply for a Professional and Career Development Loan?
2. What is the risk of applying if I do not get it?
3. Can they close the current account and take away the credit card, even though I was advised by the bank to apply for them, and I passed the credit checks?
4. If I am not eligible for the PCDL what other loan/ course funding options do I have?

l went bankrupt in 25/09/2006
it was close in 25 april 2007

Their question: how long will be on my credit file for please

What after bankrupcy?

Their question: I was discharged week ago but still don't know where to send certification of discharging? Do my bank need it? Do I have to send any copies to credit agencies?
Will I be checked in the future or can I feel free now?

I was declared bankrupt in april 2005 at southend county court. I was discharged in 2006 but was santioned to bankruptcy restricition order for four years, which is due to end in 2010. My main bankruptcy was taken off my credit file in the month of april 2011.

Their question: I would like my file to have no bankruptcy entries in it at all, especially that i have served the full six years of the main bankruptcy, and also my bankruptcy restriction order. Unfortuntely my file still displays the restrictions as they were entered in on april 2006. Can i get the restricitons off my file now because i am clearly not under them? Many thanks for your help

As a couple we were made bankrupt in November 2005 with all that we owed included in the bankruptcy.

Their question: Will it be removed from our credit report this year? We have looked at our reports and it still shows items as outstanding, will these be cleared?

I registered for insolvency 29 Mar 2010. Due to credit card debts.
I believe that after 12 moths it is automatically discharged.
Their question: Can I now set up directorship of a limited company (contract cumputer programmer).?
I would like to enter the self employed market as the pay is much better than my permanent salary (20k).

I was wondering how i obtain my discharge papers to prove to the bank that i am no longer declared bankrupt following my automatic discharge. Thank you

bankcrupt in 2005 at sunderland courts........

Their question: hi there i am realy confused i was offically discharged the beginning of last year as my trustee told me ....i have normal bank accounts but cannot get a current account anywhere they keep asking for proof of my offical discharge and my trustee said they dont give any paper work out to prove this so how can i prove i am discharged please help thankyou for your time and hope to here from you soon ......

Made bankrupt on 06.06.06
Made 36 payments which finished approx Oct 09
Need to move house for work and am being tolod by letting agents that if i have a bankruptcy on file i will not be able to rent a property.

Their question: I understand bankruptcy will stay on my record for 6 years, can you advise if this is from the time i was made bankrupt or from the time i finished making payments?
Please respond via email.
Thank you

I was discharged from bankruptcy in March2011. I was thinking of moving to New Zealand on a temp working visa with a view to getting permanent residence. Will the bankruptcy have any affect on my application to move there?
Thanks