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[mike01062]

Thanks, it does get confusing at times glad it's all over for m e, it was a very long year as for everyone i guess.

[James Falla]

Hi Mike

I am really pleased to hear that your bankruptcy is finished. Congratulations on your discharge I agree with the advice already given regarding speaking to the OR. It won't hurt and it will give you peace of mind.

Hayden is quite right regarding the income payment agreement. If this has not been set up before you are discharged, then the OR loses the opportunity. As you have had no IPA set up, then if your income increases in the future this extra money will be yours to keep. If you have a windfall then this will be yours to keep as well.

Do let us know how you get on with opening your new bank account. I would think to think that Co-Op will help you without issue.

[Geraldine]

Hello Mike

As James has said, if you have not already got an income payment agreement, you do not have to worry about it. Windfalls are treated differently. After you are discharged, then you can automatically keep any windfalls you subsequently receive even if you did have an income payment agreement set up. The only exception to this is PPI claim compensation. If you receive this post your discharge then unless you have a prior agreement with your OR, all the compensation is still paid into your bankruptcy.