out of the woodwork

beentheredonethatstilhere

Lost, she as discharged from bankruptcy last week so is not responsible for the debt.

cyril82

I don't know if you have sorted anything out about this, and i can't advise you on dealing with your OR, but i do know this company and i also know that if they have bought your debt they will not have a signed consumer credit agreement so you can just download a cca request template letter from these forums and send it off with a £1 postal order headed "i do not acknowledge any debt to your company",

They cant enforce the debt without an agreement so it blocks any further action, legally.

That should get rid of them, it worked for me.

fermi

cyril82 wrote: »

They cant enforce the debt without an agreement so it blocks any further action, legally.

That should get rid of them, it worked for me.

The debt is covered by the bankruptcy, so they cannot legally take action anyway.

cyril82

fermi wrote: »

The debt is covered by the bankruptcy, so they cannot legally take action anyway.

yea, i gathered that from what's been said already, however the op seems in some uncertainty as to how to proceed in dealing with the matter through his/her bankruptcy so i just suggested a simple way they could handle it themselves.

Lost2

beentheredonethatstilhere wrote: »

Lost, she as discharged from bankruptcy last week so is not responsible for the debt.

what a lot of them try to do is to get you to do
is to acknowledge the dept, which then means they can try
and get there money from you even though you are BR
Because after 6 years there is nothing they can do,
you will also find when it is getting to your 6 years
point they will try it on again
I am getting phone calls even on a Sunday :eek:

gettingbetter

hi

thanks for all the replies :T
my OR is on holiday :mad:
will just have to deal with it
myself,
do i send the prove it letter
or the cca request

kas xx

beentheredonethatstilhere

Neither you send a copy of your bankruptcy order or your discharge letter, give them your OR's details and tell them that it is ileagal to hassle you and you will report them to Trading Standards if they continue to do so and to contact the OR if they want to make a claim on your estate. Simples!!

gettingbetter

thankyou

will phone and chase up my letter of discharge and send them a copy. with a tough your too late letter

thanks again

kas xx

gettingbetter

Lost2 wrote: »

what a lot of them try to do is to get you to do
is to acknowledge the dept, which then means they can try
and get there money from you even though you are BR
Because after 6 years there is nothing they can do,
you will also find when it is getting to your 6 years
point they will try it on again
I am getting phone calls even on a Sunday :eek:

unfortunately am nowhere near the 6yrs mark

kas xx

fermi

cyril82 wrote: »

yea, i gathered that from what's been said already, however the op seems in some uncertainty as to how to proceed in dealing with the matter through his/her bankruptcy so i just suggested a simple way they could handle it themselves.

Well, the bankruptcy is all that is needed.

Getting into any other discussion/dispute with the former creditor is unnecessary and will simply confuse the issue.