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    Is my pension safe

    paddy Be very careful, the OA will likely still go after your pension The Personal Insolvency Act 2012 states on pension http://www.irishstatutebook.ie/eli/2012/act/44/section/150/enacted/en/html here is the nasty bit, where they have a 5 year window from date of adjudication to act (c)...
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    Why is my mortgage lender giving the ISI information post bankruptcy?

    No Jim, as previously stated, they availed of the first option "rely on security and remain outside this bankruptcy" I have a copy of the proof of debt
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    Why is my mortgage lender giving the ISI information post bankruptcy?

    Thanks Brendan, but again, would be very familiar with same. Perhaps someone could answer a very simple question When does the court order that adjudicates one bankrupt expire (assuming it ever does)? I would have assumed your certificate of discharge, discharges the adjudication order and...
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    Why is my mortgage lender giving the ISI information post bankruptcy?

    Thank you both for your replies, but with respect I am very aware of obligations of creditors and family home issues. My point is much more specific. The OA request all creditors to return proof of debt forms within 28 days of adjudication. In the case of a secured lender, the form is slightly...
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    Why is my mortgage lender giving the ISI information post bankruptcy?

    Any help appreciated, especially from anyone who has been through the process. I was disappointed recently to find that my only secured lender had sent information to the ISI. It would appear to have been a routine box tick exercise by the ISI (something they should have done during bankruptcy...
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    Contact post bankruptcy re surrendered house

    I suspected this was exactly the issue. The ISI at present seems to be really floundering. They no longer have 12 years to deal with stuff at a snail's pace and are making mistakes for sure. Their interest in my property, similarly was never registered, despite having almost 3 years to do so...
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    Privacy Rights Post Bankruptcy

    Hi, Sorry I missed this topic. I believe the new laws have flummoxed the OA (essentially, they have gone from 12 years to 1, since 2013) and they are struggling. While I agree with Jim on the advert and assets not disposed, there appears to be others issues regarding privacy post discharge...
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    Richie Boucher: BoI is deliberately charging a high SVR to encourage people to fix

    Complete fit up. Make your customers feels so much pain that they have to swallow your fixed rate product which not only is also vastly overpriced but ensures bank has no risk. When you can no longer take the pain of paying BOI 6 times what they can borrow that money at, just lock it in with...
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    KBC changes direction? Stopping discrimination against existing customers?

    I've got absolute nowhere with KBC Two phone calls, they admit they know nothing of the details yet, took number and said I could expect a call back in December. Then valuer has to be sent out and report back etc.. This is poor form (although par for course), KBC got a raft of positive PR for...
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    Treatment of Public Service Pensions: Bankruptcy Act

    Works fine and thanks Good article but I fear it was written pre 2012 Personal Insolvency act that included the troublesome clause on option.
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    Treatment of Public Service Pensions: Bankruptcy Act

    Question: Bankrupt aged 50 with no income Has a pension valued say 300k that can provide him with an income of say 5k per annum What does OA do? Can he take the 300k and leave the bankrupt without any current or future retirement (or any other type) income?
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    Treatment of Public Service Pensions: Bankruptcy Act

    Sec 44a(2) should never have been inserted into the 2012 amendments of the Bankruptcy Act as it goes entirely against the intention of the amendment which was to keep pension income out of bankruptcy. As Jim has said this is proving a real headache for trustees who are very worried about being...
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    KBC changes direction? Stopping discrimination against existing customers?

    I'll happily pay valuation fee and switch current account to get off the 4.25% but as others have mentioned, KBC are a nightmare to deal with. Their phones are staffed by kids who are almost clueless and you just end up getting frustrated and angry as even the most routine of enquiries get...
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    Private Company Shares in Bankruptcy

    I'd imagine they would be ok to send in accounts and/or show the company currently has little or no value but the OA rejecting it would not be fine, that's what I am trying to head off and trying to get it back or at worst let it back to company. I don't want the OA as a shareholder for years to...
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    Private Company Shares in Bankruptcy

    Thanks Jim, On basis of above, should I ask the OA to revest the ownership and/or when he would be prepared to do so? I've found certainly during bankruptcy, letting sleeping dogs lie strategy is usually best but now discharged I don't want the shares to stay with the OA endlessly if possible...
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    Private Company Shares in Bankruptcy

    Hi, Technical question I have recently been discharged from bankruptcy In my original SOA I disclosed shareholdings in three companies Two have subsequently been wound up However, one is still trading What information I can gather is that it is not profitable and is paying down a good bit of...
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    OA contact with Bankrupts? 29th July discharge date approaching

    Indeed, the very best of good luck to everyone post bankruptcy. The fact that a good few here were very active in helping to get the law changed needs to be acknowledged. Well done to all.
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    OA contact with Bankrupts? 29th July discharge date approaching

    There are only two options from here Automatic Discharge on 29th or OA goes to High Court to seek an extension for non cooperation Nothing else, it's one or the other. If you have been cooperating then I'd say there is no cause for concern whatsoever. Furthermore if the OA has had reason to...
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    OA contact with Bankrupts? 29th July discharge date approaching

    About 20 bankrupts were dealt with at the normal weekly sitting in the High Court today It looks like most were to deal with payment orders although Sean Dunne had his bankruptcy period extended so that aspect being dealt with also. Will be two more Monday sittings pre 29th but I'd be surprised...
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