gone bankrupt-still being hassled

paulbran

hello,i was declared bankrupt nov 2008 and will be discharged nov 2009.
out of the blue i have received a credit card statement from halifax saying i owe them money.
what should i do?
thanks in advance.

nuttyp

hi, ive experienced the same problem this week, only abbey have 'sold' my debts to debt quest ltd. I received a letter from them demanded immediate payment. I rang them, reminded them of my bankruptcy details and then rang the official receiver. They are fully aware that some places are 'trying' to get the money.

Dont worry too much, just call them - give them yr bankruptcy number date and court of issue, and the receivers name and number.

Good luck for the future.

Merry_Gentry

You don't even need to call them - just pass the details on to your OR to deal with.

headoutofsand

Merry_Gentry wrote: »

You don't even need to call them - just pass the details on to your OR to deal with.

I agree. I am still receiving demands 6 months after BR, I don't bother the OR with their silly quest just file them away ready to be burned at a later date. They will get less as you go on as will calls ( of which I get none) They will keep adding charges. more fool them. If they give you more hassle than you can put up with, call the big boy's and girls in.

maxmycardagain

many disagree with me, but i still say sending all creditors+DCAs a copy of your BO pays off in the end...

fatou256

maxmycardagain wrote: »

many disagree with me, but i still say sending all creditors+DCAs a copy of your BO pays off in the end...

trueit does work for the majority but there is a minority of company who refuse this as i had few trouble with some creditor who were recording default after my BR order to be told sorry your BR order is not sufficient we need another form of confirmation !

maxmycardagain

fatou256 wrote: »

trueit does work for the majority but there is a minority of company who refuse this as i had few trouble with some creditor who were recording default after my BR order to be told sorry your BR order is not sufficient we need another form of confirmation !

in that case, dont speak to em, wait for them to make a move, which can only be a CCJ

you take your bankruptcy to the court on the day, together with any correspondence from the creditor, the court will throw it out, and you can ask for expenses from the plaintiff.

fatou256

true my OR took action regarding 2 creditor IQOR and shopacheck .

powermouse.

i just dont answer the phone, unleess there is a pre arranged signal , changed me mobby no and dont respond to letters, out of my hands now, let the OR sort it

headoutofsand

maxmycardagain wrote: »

in that case, dont speak to em, wait for them to make a move, which can only be a CCJ

you take your bankruptcy to the court on the day, together with any correspondence from the creditor, the court will throw it out, and you can ask for expenses from the plaintiff.

Now that's sounds a good idea, any idea what sort of expenses I can claim for. Lets make a list, me first

food and drink;)

fiveyearplan

travel, loss of wages