Advice needed please

catdavlee

Hi all

My husband went bankrupt in March 09 and is now discharged, now all of a sudden some companies that were included in the BR have started sending letters saying the money owing needs to be paid or will be passed on to a collection agency. My question is can they do this it has us a little concerned.

Any advice would be greatly appreciated

Ineedaname

We were discussing this a couple of weeks ago and I came to the conclusion that many have discharge set as a 'trigger date' specifically so they can send these letters.

They are just trying it on and breaking the rules by doing so. You could forward the letters on to your OR for them to deal with and/or there are template letters in the credit clean up thread (I think that's where they are anyway) which you can amend and use to get them to stop harrassing you.

IF

Hi catdavlee, Has your husband done his credit file clean up? As it's 2 years since he went BR think this maybe the problem.

You'll need to get all three credit files, click on blue links below:-

Experian - Click here

Equifax - Click here

Callcredit - Click here


They are £2 each for paper copies. Some people have used the online one's and have said the information was very poor compared to the paper copies.

Fermi’s, Credit Reference File Clean Up Post Bankruptcy Sticky - [URL="https://forums.moneysavingexpert.com/discussion/677875
"]Click here[/URL]

And Fermi’s thread ‘credit clean up discussion’ - Click here

Best wishes
If...x