Debt collection agency after bankruptcy

ghosty123

Hi,
My son went bankrupt after splitting up with his partner. However there was a £2,000 debt with Nat West in a joint account which the bank sold to a debt collection agency who said his partner was liable for. He agreed to pay it in small instalments.The first company sold it on and he continued to pay the second one.They sold it to a third and he asked for paying in slips and how much he owed. They have never replied and sold it to a fourth. He has paid about £1,000 in 3 years and they say he owes £1,900. Can this be correct and can he insist on details of payments made and charges. Thanks for any advice.

miss_spooky

Hi Ghostly123,

If the debt was before his br, then he shouldn't be paying anything as his liability was passed to the Official Receiver. As it was a joint debt the whole debt then rolls over the the other party.

I would send the new people a copy of his BR and tell them to poke it.

See what others think.

blind-as-a-bat_2

Every time it changed hands 'costs will have been added, and they may have also added intrest, so it may be correct (in the collection companies eyes.

The problem is he is in no way obliged to pay it at all, but i guess he is protecting his ex (or himself from his ex:D)

But yes it is now a legal requiremant that all collectors issue regualer statemants, if he has not had one at all since the end of 2008, they are in breach of the new rules.

My advice (with the above in mind that he does not have to pay at all), if he can is offer a full and final offer of £200, and see what they say, bear in mind they may have bought the debt for 5-25p in the pound,;)