Nat West- Court Summons - I am BR

rv99

Hi,
Please could someone advise me on how to handle this.

I was made BR in June 2009. I have written to Nat West 3 times, spoken by phone 5 times telling them my case number and date of BR. On one occasion the person on the other end checked the insolvency register whilst I was on the phone and said I would hear no more from them.

They have continued to phone and write threatening court action.

Today I have received a County Court summons from Nat West.

From what I have read on this excellent forum the debt is part of my BR.
Do I fill in the "defense" form that came with the summons stating my BR details or do I just ignore it or should I attend Court?

Advice please.
Thanks

CG77

Hi,

I would get in touch with my OR straight away if I were you. If this debt was included in your BR, they are not allowed to contact you asking for money and your OR will deal with it for you.

Have you informed him/her about the previous letters?

CG. x

fermi

Definitely get in touch with the OR.

Acknowledge the claim online, so that you have an extra 14 days to submit a defence.

Personally I would defend just in case the OR doesn't sort it and NastyWest don't come to their senses. It will be more hassle to sort if you ignore and they get a default judgement because you didn't reply.

rv99

Thanks for response,

I had informed OR in August about the Nat West phone calls and they said they
would contact Nat West.

I was offered early discharge last week. If I contact the OR about this summons will it stop my early discharge?

fermi

rv99 wrote: »

I was offered early discharge last week. If I contact the OR about this summons will it stop my early discharge?

No. ...........

thatsyourlot

Similar thing happening to me at the moment, though not quite as advanced as your case.

I got a "final demand" letter in the post this morning from M&S, who were 1 of my creditors listed when I went br back in August of this year.

I rang the number on the letter to ensure they had my br details (as all my other creditors have & did stop the phonecalls/letters.. a month back)

I got through to the most unpleasant, nasty women, She was so crappy towards me (like I had taken the money from her purse & spent it)

Apparently they do not have any details of my br on record, so I gladly gave her all the info & she then went on to tell me that A debt recovery agent would be at my door with 48 hrs!!!!!

Go Ahead, I said... I have sod all assets & I am BR

Some jobs worths are such a pain in the !!!

confused76

thatsyourlot wrote: »

Similar thing happening to me at the moment, though not quite as advanced as your case.

I got a "final demand" letter in the post this morning from M&S, who were 1 of my creditors listed when I went br back in August of this year.

I rang the number on the letter to ensure they had my br details (as all my other creditors have & did stop the phonecalls/letters.. a month back)

I got through to the most unpleasant, nasty women, She was so crappy towards me (like I had taken the money from her purse & spent it)

Apparently they do not have any details of my br on record, so I gladly gave her all the info & she then went on to tell me that A debt recovery agent would be at my door with 48 hrs!!!!!

Go Ahead, I said... I have sod all assets & I am BR

Some jobs worths are such a pain in the !!!

hi there what a nasty nasty woman you encountered! you shouldn't be treated like that, she has no idea what you've been through. i dread telling people when i go br, recorded letters i think? :eek:
she obviously hasn't been doing her job very long otherwise she'd know that sending a debt recovery agent is nothing but a waste of their own money??! humph!:mad:
x

kerrypn

I love it when they get snotty with you on the phone-it is basically spitting their dummies out because they know there is nothing they can do to recover the money!

I agree OP-contact the OR urgently, I would also send a copy of your Bankruptcy Order to Natwest, the court(as your defence) and, if nothing happens, attend court to present the Bankruptcy Order in person.

tigerfeet2006

In some ways I would love for it to get to court and attend. The judge will give them such a b@llocking for wasting his time, it would be worth the hassle for that.:D

thatsyourlot

confused76 wrote: »

hi there what a nasty nasty woman you encountered! you shouldn't be treated like that, she has no idea what you've been through. i dread telling people when i go br, recorded letters i think? :eek:
she obviously hasn't been doing her job very long otherwise she'd know that sending a debt recovery agent is nothing but a waste of their own money??! humph!:mad:
x

Thanks!!

I am SO over being bothered about telling my creditors now, I have developed an extremely thick skin since BR.

I just told her the facts, then put the phone down on her

rog2

Providing that the summons is for a 'debt' that was incurred prior to your bankruptcy, then, quite frankly, there is precious little that they can do, other than contact the Official Receiver, or Trustee - if one was appointed.

I tend to agree with the others - you should 'defend' the claim, by writing, on the defence section of the claim form, that you dispute the debt as it was 'dealt with' by your bankruptcy. Give date, court and Bankruptcy number on the form and return it to the County Court.
That should be the end of it.