Change of circumstances 1 year later - advice please

Acmi

I was discharged from bankruptcy in January 2009 and continued to pay the agreed monthly payments to the debt collecting agency. However in July 2009 I lost my job. I wrote to the debt collectors immediately to inform them of this and was asked to send proof that I was out of work. I sent all the necessary info i.e. P45, Claim for JSA etc together with a letter informing them that I would let them know if my circumstances changed. 1 year later and finally they have changed. I am now in a postion to afford the monthly payments again but, since I wrote to them a year ago I have heard nothing from them. Have they forgotten about me? Has my records been mislaid? Do I really want to be volunteering I can now afford the re-payments again or do I say nothing? Is it unusual that they have not been in contact with me at all within the last 12 months?

Does anyone have any advice/experience of this?

Thanks

charliemonkeyface

i dont know what the official/professional response should be, but if i was in your position i would say nothing for now and save the amount the repayments should be each month.
this way you get a chance to build up some emergency funds and have the money ready if the collection agency do get in contact.

RenovationMan

That's strange I thought bankruptcy absolved you from all the debt? Is that not the case?

Swampmonster

RenovationMan wrote: »

That's strange I thought bankruptcy absolved you from all the debt? Is that not the case?

Well said!

I think you would get a better response on the bankruptcy board as there is no way you should be paying any debt that was INCLUDED in your bankruptcy.

Failing that call national debtline.

All the best.

RAS

I think the OP was paying an IPA which lasts three years. He really does need to post up on the BR forum.

I also think he has 28 days in which to inform the OR of any changes in his circumstances.