Is this normal??

bcljnk

DH went BR at the end of Oct, and hopefully due early discharge as he has already had the form to fill in re income expenditure a few weeks back, but the other day he got a letter from EVERSHEDS
It says
PLEASE NOTE THIS IS NOT A PAYMENT DEMAND
please note that on30th march 2012 MBNA europe bank ltd sold and transfered your account xxxxxxx to MAX recovery ltd by Eversheds LLP.
This letter is for information onlyand you do not need to take any action. A letter will also be sent to your supervisor or trustee.
Should you have any queries please do not contact this office.
For the avoidance of doubt, we will be dealing directly with your supervisor/trustee in bankruptcy as required by law. There is no need to respond to this letter.

SO...i undestand we dont need to do anything...do i need to know anything else??? is this the norm for them to sell it on after BR???

IF

Hi bcljnk, I got one of these too and it's nothing to worry about.......it's naughty as they shouldn't of sold on the debt!! But once DH gets notification of his ED wait 2/3 months then do your credit file clean up as Fermi's sticky.

Credit Reference File Clean Up Post Bankruptcy Sticky - Click here

Best wishes
If...x

lala9

I received 2 of these letter one for Virgin the other AA. So what will I need to do once I am discharged on the clean up front? I find it a little confusing lol.

fermi

Check your credit files as normal when you are discharged.

If anything has wrong defaults or is not marked settled, then write with the standard letter to whoever the debt is now listed under on the report.

If everything is correct, then nothing to do.

debtinfo

ifwisheswerehorses... wrote: »

Hi bcljnk, I got one of these too and it's nothing to worry about.......it's naughty as they shouldn't of sold on the debt!! But once DH gets notification of his ED wait 2/3 months then do your credit file clean up as Fermi's sticky.

Credit Reference File Clean Up Post Bankruptcy Sticky - Click here

Best wishes
If...x

Hi IF, im afraid that it is not naughty of them, they are well within their rights to sell the debt on, and it seems that in this case the company has done the correct procedure in notifying the OP of what has happened and making it clear that they are not seeking repayment

IF

debtinfo wrote: »

Hi IF, im afraid that it is not naughty of them, they are well within their rights to sell the debt on, and it seems that in this case the company has done the correct procedure in notifying the OP of what has happened and making it clear that they are not seeking repayment

I know.......I just don't like them doing it!! Plus they are not the easiest company to deal with to change details on our credit files either!! :(

bcljnk

ahhh bummer, so they are an awkward company then????
I am still fighting to clean my own file up from my br which was 0ct 2009, discharged june 2010 with RBOI:mad: its had to go to the ICO

fermi

From memory, most people report that Max Recovery et al are quite good at sorting things. After all, they buy debts knowing full well they are covered by a bankruptcy, so they know what is expected of them re credit files.

IF

bcljnk wrote: »

ahhh bummer, so they are an awkward company then????
I am still fighting to clean my own file up from my br which was 0ct 2009, discharged june 2010 with RBOI:mad: its had to go to the ICO

[STRIKE]They can be[/STRIKE] They were with me, but I emailed Experian with a proof of my discharge and they did help them and they changed it!!