The Bankruptcy Club & Supporters Club

Mike_St_Helens

http://www.moneysupermarket.com/cards/cardsresults.asp

rog2

This may sound like a silly question, but how do we get our creditors to stop contacting us after we have been made bankrupt?
I have been telling anyone who phones, but this does not stop MERCERS (Barclaycard) who have phoned probably 6 times since I told them.
Mackenzie Hall (Bless em) have responded by sending a 'Full and Final Settlement Offer' for a disputed debt with Black Horse.
I know that these DCAs never believe a word we tell them, but surely even they must accept that it is hard to lie about being made bankrupt.
So does anyone know of a 'Template Letter' that I could send?

sandralovescats

Rog2 have you sent them a photocopy of your bankruptcy order?

I think that is supposed to help.

I have had 27 calls this morning - between 8.30am and 11.30am.
If this continues after I have done the deed then I am going to use some very choice language with them!

If the OR hasn't been in touch with your creditors then that could be why they are continuing?

Mike_St_Helens

sandralovescats wrote:

Rog2 have you sent them a photocopy of your bankruptcy order?

I think that is supposed to help.

I have had 27 calls this morning - between 8.30am and 11.30am.
If this continues after I have done the deed then I am going to use some very choice language with them!

If the OR hasn't been in touch with your creditors then that could be why they are continuing?

27 Calls !! Wow.... Id be contemplating changing my number now I think.

rog2

sandralovescats wrote:

I have had 27 calls this morning - between 8.30am and 11.30am.
If this continues after I have done the deed then I am going to use some very choice language with them!

Thanks Sandra,

27 calls on a SUNDAY morning is pure harrassment:mad: I think I would use the choice language now:rolleyes:

sandralovescats

I sent them all a letter, pointing out the legal issues of harrassment etc, nearly three weeks ago. I did answer the phone the first week and quoted the law at them.
I will report them to the OFT, since this harrassment is illegal.

My calls are Amex, MBNA, GEMoney and Capital One. I only owe Capital One about £320 - they have wasted more money in phone calls! They probably get paid for the number of times they call someone?

Choice language is what they are going to get next - today!

sandralovescats

Mike_St_Helens wrote:

27 Calls !! Wow.... Id be contemplating changing my number now I think.

Are you not being pestered by phone calls?

I don't want to change my number, really, I want to keep it if I can!

Mike_St_Helens

sandralovescats wrote:

Are you not being pestered by phone calls?

I don't want to change my number, really, I want to keep it if I can!

Was being... Changed my Home phone from BT to cable.. New number then you see.

scootw1

Any idea how my mobile phone contract would be affected by bankruptcy?

Also, if the OR freezes the bank account, if a DD is due to go out, does this then get denied by the bank?

sandralovescats

scootw1 wrote:

Any idea how my mobile phone contract would be affected by bankruptcy?

Also, if the OR freezes the bank account, if a DD is due to go out, does this then get denied by the bank?

Did you not get a Basic Account when you went for your IVA?

In bankruptcy the OR doesn't usually freeze basic accounts

Your mobile phone contract should be okay, as long is it is not on an extortionately high monthly payment.