Creditor trying to make me feel guilty

michbright

Thanks for your replies.

Things always look better in the morning and I've had a good morning so far. This creditor is now asking for full details of who I sought advice from, which creditors have been paid, etc. I imagine these are questions he's been told by his accountant to ask. Anyway, I've sent a very polite email saying that I am sorry he feels foolish and to contact the receiver with any more questions he may have (attached copies of BR orders).

I know that it is just business, but dealing with creditors is definitely easier when it's a nameless person in a call centre (no offence to anyone who works in one).

I will now draw a line under this and ignore any further attempts at contact from him (unless he starts getting nasty).

chelseabun_3

Well done, mich! An elegant solution. :T CBx

fermi

michbright wrote: »

Anyway, I've sent a very polite email saying that I am sorry he feels foolish and to contact the receiver with any more questions he may have (attached copies of BR orders).

Exactly.

It's not now your business or responsibility to get into a discussion of your former affairs. Questions from them should go to and be dealt with by the receiver.

michbright

fermi wrote: »

Exactly.

It's not now your business or responsibility to get into a discussion of your former affairs. Questions from them should go to and be dealt with by the receiver.

I think perhaps he's trying to appeal to my compassionate side in trying to draw more information out of me than I should divulge. Thanks to the advice and postings on this website, I've resisted this. He should not have preferential treatment over any of my other creditors regardless of the relationship we had before going BR. Sad, but true.

fermi

It sounds a little like they are "fishing" for info that might suggest that some other creditors were paid preferentially, while leaving this person in the lurch. Or some other kind of irregularity.

If they have any concerns like that, then as said it is to be raised with the receiver. If the receiver feels it is an issue then they would seek clarification from you.

While it does feel a little uncomfortable if you have had a good previous relationship with a creditor, it is best to stick to that formal procedure and not get drawn into any discussions of your affairs.

Difficult, but the way it has to be. Makes things simpler for everyone in the long run.

skylight

Been reading this thread a bit since yesterday. I have nothing to add really as I have no experience of it. But please do not feel guilty. BR is a big enough deal for us as it is. Its worse for some (like you) than others (like me), but still not entered into lightly.

You are definitely going about this guy the right way. We all feel sorry for him, but we feel sorrier for you! But polite, professional and no information is the way to go.

maxmycardagain

if i hadnt had a customer pull the rug from under me owing me £13,000 id still be plodding on, tell the guy to contact whoever owes you, see if he has better luck than you getting paid....

s**t happens

blind-as-a-bat_2

fermi wrote: »

It sounds a little like they are "fishing" for info that might suggest that some other creditors were paid preferentially, while leaving this person in the lurch. Or some other kind of irregularity.

Rich_S had a simaler problem with one of his busness creditors, only it wasnt quite as busness like, i wont repeat, in public, the solution rich used for that one though, but it was funny


I had citi financial ring asking all sorts of questions trying to find an angle to cause me grief, so its not just suppliers.

I just let him waffle for a while, till it started to get to feel like he was threatening and then i asked "are you aware its an offence to herrass a BR ?" and "you are aware im not allowed to discuss any of this with you arnt you? " he went very quiet all of a sudden

michbright

He is definitely fishing for more information as I've had another email from him asking if another business creditor has been paid! He's also asking for contact details of the person who advised me on this course of action as he needs to contact them - RUBBISH!

Anyway, I sent ANOTHER polite email telling him that I sought advise from a debt charity and that they would not be in a position to discuss details of my insolvency with him. I also said that his was not the only debt included in the bankruptcy and told him AGAIN to contact the Official Receiver.

If he sends another email or calls me, I'll just tell him I'm not willing to discuss this any further and he MUST speak to the OR.

It's getting really annoying now! I only had 2 business creditors and the other one hasn't asked any questions - they are waiting for the OR to contact them.

I have a feeling this creditor is going to be obstructive when he receives the report from the OR :mad:.

skylight

michbright wrote: »

I have a feeling this creditor is going to be obstructive when he receives the report from the OR :mad:.

So what if he does?? The worst case scenario then will be a full 12 months BR, rather than early discharge. The OR will be able to see for himself details of works done, monies paid etc, so he cannot fib about anything. You haven't acted fraudulently, so its not going to affect BRU etc.

At the moment he is just angry. Which he has every right to be. But unless you have realisable assets, he is not going to see a penny, no matter how hard he yells.

I don't envy you though.