8 weeks on (almost): 2 questions

LilyBart

Good morning everyone,

On Monday it'll be eight weeks since we did the dreaded deed (June 30). Phones are blissfully quiet, post down to a dribble of grumpy/threatening letters from the secured loan monsters, not a squeak from the mortgage people, first IPA chunk due Sept 1.

Two little questions: I've had a statement from my former current account, in which it seems they are making charges of £215.00 for unplanned overdraft (dated Aug 1), £80 for returned direct debit (also dated Aug 1), and £17 for account charge (dated Aug 8). Can they do this if I went BR June 30? Odd thing is, the statement is addressed to our old address, though I wrote to them at the beginning of May, enclosing a token payment of £5, which they did cash in, informing them of the change of address. Should I be worried, and can they make these charges stick?

Second question: the secured loan monsters' latest gambit is to write threatening court action to reposess the old house. Can they do that? Surely the mortgage company has first dibs? Should we get proactive in some way? nb OR has written to them FOUR times, saying back off, and we have moved out - very happily - into rented accommodation. Unfortunately, the mortgage holders appear to have little interest in repossessing as yet. All we've had from them is the annual statement.

Um... I realise from the number of question marks in this post that it's more than two questions. Sorry about that, but I'm sure you'll catch my drift. Many thanks to those who have helped, and those who are about to help. We salute you!

Lily

deedee_3

Don't worry, Halifax did this to me and it just went into the bankruptcy. My OR called them Numptys

What can the secured loan people do? Bogger all!! Your bankrupt. So if they do take it further your defence is you are bankrupt and the judge will laugh them out of court and give them a slapped wrist.

LilyBart

Thanks Deedee,
I was just worried that as the charges were dated in August, they'd count as post-bankruptcy debts. But I suppose that if they pertain to pre-bankruptcy debts, it's maybe different. I'll ask the OR.
Re secured loan, what I'd really like is to step out of this one altogether. There's absolutely nothing we can contribute at this stage - financially or practically - and I just wish the mortgage holders and secured loan company would start talking to each other instead....
Lily

080808

Hiya Lily,
well i don't really know but i am just thinking that if the a/c ceased to be yours on june 30, how the heck can they charge you for anything after that date.
numpties - like it..