toothless

paul10mm

Hi all
im getting major hassle from a fiirm called equidebt ltd they bought my debt from capital one in march this year only problem is i went bankrupt in early feb!!
Now these "nice" people sent me a special del letter on friday last week you know the type"serious and dire" so i phoned them friday soon as i got it told them my court ref the OR addy etc end of story i thought!I have now been called 3 times at work in last 2 days and yet again told these people my details and not to phone me at work
Now they have just called me again at work and called me a liar said they have been on to the OR and the insolvency website and im not bankrupt!!!Now im mad you try to do the right thing and tell these people the truth i went on to there web site at the insolvency service and all my details are there How can i get rid of these people??I just spoke to my OR and she said there is nothing they can do??is this right?? can you be called at work to explain again and again?On another point i had my metting two weeks ago with OR she said that i wont have a ayment order as there is nothing left just chekced with her today and know she says she does not know if i will or not?shes still working on it?how can i plan for the future when she cant awnser my question?Im finding this whole thing just as upsetting as when we were saving to go bankrupt i really dont see the point of trying to sort this out

dollindebt

Hi Paul,
Maybe you could *put it in writing to Equidebt* that you are in bankruptcy, with reference numbers and dates, state that they are not to harrass you any longer, and especially not at work, and send it special delivery. CC a copy to the Receiver and keep a copy for yourself. I would imagine that if Equidebt keep on at you, they are breaking some laws?

Hang in there!

john_kent

Talk to OR.

Justicia

dollindebt wrote:

Maybe you could *put it in writing to Equidebt* that you are in bankruptcy, with reference numbers and dates, state that they are not to harrass you any longer, and especially not at work, and send it special delivery. CC a copy to the Receiver and keep a copy for yourself. I would imagine that if Equidebt keep on at you, they are breaking some laws?

Further to the above, perhaps attach a screen-print or print-out of the page showing your details?

Addicted2Chocolate

the examiner concerend should be able to tell you whetehr or not you have to pay an IPA based on your income/outgoings figures. Write a letter to the examiner concerned, if you do not get a satisfactory reply send a letter of complaint to the oR.
Re the hassling creditor, i dont know what to suggest but the OR cannot do anything about it. Maybe see if they are a member of any professional body and compain to them?

Hipkiss

Hiya,

I had a very similar problem when I went bankrupt.

In the end, the creditors who were still chasing me, I found their last letters and wrote to them and I enclosed a copy of the stamped bankruptcy - and sent it by recorded delivery.

Then any letters I recieved after this, I kept a copy for my records, and sent a copy (again, by recorded delivery) to the OR stating that as they should be aware it's a criminal offence for a creditor to demand money from a bankrupt.

Hopefully that will deal with it.

HTH


HK

Xbigman

This is exactly the same issue as creditors phoning after you tell them you will only deal with them in writing.

1. Send a recorded delivery letter saying you are bankrupt and give reference numbers and OR's details. Tell them they must stop phoning you and you will not deal with them other than in writing, and that any letter they send to you will be passed to the OR (you never answer them).

2. Keep a written record of all their phone calls to you. After 14 days phone the office of fair trading and complain they have ignored your written instructions and bankrupt status. You are upset by all this and you want to make a complaint.

The OFT usually stop this harrasment in about 3 days.
Regards




X

fatbelly

This seems to be an increasing trend and I think it's appalling.

With apologies to the gentleman if he is no longer the right contact, but he was collecting information on debt collection practices and I'd suggest writing to him:

Andy Lowther
Office of Fair Trading
FREEPOST
London
EC4B 4AH