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    Success! I got a mortgage 4 1/2 years after being declared bankrupt

    Can I ask - Did you declare to the banks that you applied to that you were Bankrupt? Once this dissapears from the ICB report, are you obliged to volunteer this information?
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    What if your income increases during IPO - but post bankruptcy

    I would love to hear the answer to this also. We were discharged but are still paying a €500 monthly IPO. I assumed all along that once discharged, that if circumstances changed it was not necessary to inform the OA. We have just found out that my husband will be made redundant and so contacted...
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    IPO term reduction under new legislation

    Yes, I am aware of that and what you are saying makes sense but i contacted the ISI office to confirm this and they told me that as the IPO is court ordered - I would have to apply to the High Court to have it amended.
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    IPO term reduction under new legislation

    This is how I thought it worked, but did you receive anything to say that your IPO will finish earlier or are you just going to stop after the 3 years?
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    IPO term reduction under new legislation

    I am a bit confused and unsure where to go due to conflicting advice. I was discharged on July 29th and have an IPO that was to run for 5 years (3 years remaining). As we all know - the new legislation states that payment orders should terminate 3 years after the first payment. I contacted...
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    OA contact with Bankrupts? 29th July discharge date approaching

    Congrats everybody! Freedom!! Now its just about getting to the end of our IPO.. which we have decided to call our "Car Loan" :-)
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    OA contact with Bankrupts? 29th July discharge date approaching

    Still nothing :-( Have you been contacted yet? Anybody else?
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    OA contact with Bankrupts? 29th July discharge date approaching

    Thanks!! Still waiting, anxiously 2 weeks to go!!!
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    Getting a mortgage after bankruptcy

    I would be very interested in hearing about this too.
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    OA contact with Bankrupts? 29th July discharge date approaching

    I haven't received anything is this a bad sign?
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    OA contact with Bankrupts? 29th July discharge date approaching

    Hi guys, this thread is great..it's very hard to find any info on the upcoming discharge. My question is this. I currently have an IPO, running until 2019! Under the new laws-IPA lasting 3 years from date of adjudication, will this also apply to IPOs? I know I would need to go to court to amend...
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    Bankruptcy term reduced to 1 year - IPO for 3 years?

    Thanks Silvio - looks like you are right. Found the following - taken from Francis Fitzgeralds Bankruptcy (Amendment) Bill 2015: Second Stage: Any bankruptcy already existing when the Bill comes into effect will also benefit from the changes introduced by this Bill subject to a six-month...
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    Bankruptcy term reduced to 1 year - IPO for 3 years?

    I was adjudicated bankrupt in April 2014 and according to my advisor - anybody who has served min 18 months when the Bill is passed, will be automatically discharged. I am hoping he is right but I am still doubtful (He has been wrong in the past)
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