I feel like a criminal!

Mr_and_Mrs_Spendthrift

We've not been on for a while as we have been moving house and getting settled.
We have been saving up for the last bit of our bankrupcy fees (still not quite there yet) and with the move and phone number change, the letters and phone calls stopped. On Thursday someone called my mobile from a debt collection agency, hubby spoke to him and said he had the wrong number, and today I've had a letter from Hillside messengers. When I googled it, it said it was the collection agency, but I have no idea how they got my new address. I still haven't calmed down and I got the post well over an hour ago. I feel like a criminal that has been caught. Should I phone them and tell them that we're going bankrupt or should I just ride it out until we have the money?

TIA

Madmonk

The general advice is hang tough and ignore them! Very hard I know - all our debts were with Lloyds TSB cc,pl and od and we contacted them 3 weeks before br and told them what we were going to do and they agreed to stop calling for 28 days but I believe that was an exception to the rule!

kew63

Dont tell them about going BR - most DCA will step up the pressure even more as they know chance of getting any money after BR is very slim.
Try to ignore them and good luck with the BR - you're nearly there :-)

DarkConvict

If you moved house your new address from the electrol roll may have been updated on your credit report, so they got an address from there.

Just hold off speaking to them and wait till the BR.

Goign BR is legal and lawful, what the DCAs do in harressment and pressure is questionable, unethical and sometimes unlawful.

Amiga

Another vote for keeping quiet.

By the time they start really chasing you will be BR anyway. If you did tell them they would start chasing you an awful lot more before you went BR

FinancesOfAFiveYearOld

All sorts of ways the big "they" could have found out your new address. Her Majesty's Post Office, Revenoo & Customs, BT, Utility companies of all flavours, Councils of all flavours, Department of Work & Pensions and whatever the DSS is called these days - they all share their information.

Ceditors are allowed to contact you - but they DO have to behave themselves.

This link gives some useful legal info to threaten them with if they don't! I don't know about & can't vouch for the rest of that website but the info on that page helped me fend off Messrs Co & Op who were the most abusive people I had to deal with...

Chin up, best wishes.



I drove out of Norfolk in someone else's car and dropped off the radar as far as it is possible to do (I'm still not on the local electoral roll). Within three months all of the old junk mail had started arriving addressed directly to my new address. In my case it was either/both the Post Office (I did not organise a redirection service) and the DWP because I was claiming JSA.

money_penny_26

hi there another vote for keeping quiet. as i have said before on here i at first ignored this advise to not answer the phone to creditors,tried to explain to them about difficulty we were in,the person on other end..(yeah yeah i see what you are saying mrs x but we still need a payment today) so dont answer def. dont tell them you are intending to go b.r. get an answer machine,so you know who are the creditors that are calling,an ignore them it makes it easier to cope with beleive me. regards penny x