Shall I ring ltsb about BR ??

karend1980

I went BR 3 weeks ago. Ive had a few letters from unimportant people that I werent in debt with just to say they know about the BR.

But still getting harrased by LTSB ( SCM solistors) and Barcleycard ( Mercers)

LTSB are getting really nasty got a notice for court proceedings today and Mercers ring me about 100 times a day.

Shall I ring them ?

I would have thought as letters have gone out the they would have known by now?

philnicandamy

The receiver has up to 8wks to contact your creditors.....if they are hassling up to you really if you want to inform them

karend1980

philnicandamy wrote: »

The receiver has up to 8wks to contact your creditors.....if they are hassling up to you really if you want to inform them

Oh right ok,. Might leave it then. Dont want anyone to be nasty and have me in tears again!!:(

philnicandamy

i'd speak to your receiver first...mention the court letter etc "might" make things go a bit quicker with them then

Doucam

Re Mercers they won't stop until the original creditor tells them to, even if you send them copies of the BR notice, I know this because dh had major problems with them.

Tell the Or you are having problems and also send a letter recorded delivery to the original creditor and ask them to update their files, Barclays are the bane of my life at present, I do hope you get it sorted out.

karend1980

Doucam wrote: »

Re Mercers they won't stop until the original creditor tells them to, even if you send them copies of the BR notice, I know this because dh had major problems with them.

Tell the Or you are having problems and also send a letter recorded delivery to the original creditor and ask them to update their files, Barclays are the bane of my life at present, I do hope you get it sorted out.

Thanks for that, Mercers are terrible arnt they grrrrrrrr :mad:

Geoff_n_Nat

I had hassle from a solicitors who had been instructed to act by claim4refunds. I phone the solicitors on the day of my BR with my BR number and the court which dealt with it. They stopped contact immediatley. If they know their stuff then they should know that after they`ve been informed they are not supposed to contact you, I think its actually breaking the law.

Geoff_n_Nat

This may be useful!!!

This is a template letter from Fermi, just adjust it for your needs.

Your Address

Date:

Creditor's Name
Address.

NOTICE: Pursuit of a debt included in a bankruptcy. Do not ignore this letter. You must cease collection activity IMMEDIATELY.

Dear Sir/Madam

Account No: *****************

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

I would point out that the account was included in my bankruptcy which commenced on <date>.

Consequently, the debt in question is no longer my legal responsibility.

ALL contacts and claims regarding the debt MUST be addressed to the Official Receiver's Office dealing with the case.

My case was XXX of 200X, at <somewhere> County Court, and the address of the Official Receiver is below.

<Address of the OR.>

A copy of the bankruptcy order is enclosed for your convenience.

Please note that the Official Receiver has requested that all future contact from your company regarding these accounts is reported and forwarded to themselves, and that continued contact with myself may result in Official Receiver taking enforcement actions against your organisation.

Please also note that we are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when the debt is not due.

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

In addition, your continued telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office.

This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint will be submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.

Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

We await your written confirmation that this matter is now closed.

We look forward to your reply.

Yours faithfully



A N Other

Doucam

That was the letter that dh sent to Mercers and Barclays Partner Finance, 5 times in total, they ignored it every single time, they also ignored the OR!!

Unfortunately some companies think they are above the law!!