Discharged Bankrupt - Can i claim?!!

Toto

I didn't claim back my charges, I didn't go bankrupt but I did agree full and final settlements with my creditors. The way I see it is that I never actually paid those charges, they were included in the amount written off. The creditors might have added them to the balance outstanding but I paid back less than I borrowed in most cases so I felt that full and final meant just that on both sides. To be honest, if you claim and you get the cheque yourselves fair enough and good on you, if it goes to the OR I wouldn't spend any time stressing about it, just see it as money which you've already had from them. After bankruptcy the time for worrying and stressing about these past debts is well and truly over.

Richard_S

As ususal Toto,

You have the knack of subtley saying what I was brazenly thinking.:D

Conor_3

AlanD wrote: »

Just to clarify I am referring to circumstances where one has paid the bank the bank charges not where bank charge debts are part of the BR. In these cases having to pay the charges could still easily be a contributing factor to BR but the charges themselves would not have been written off by BR. This will be the case when we go BR. We have paid back all bank charges from last month's hiccup, I would hope that after the 3 year BR period that money would be ours to claim and not the OR's as the charges were incurred before BR and are not going to be a debt written off by BR.

Until the day you die, anything to do with money you were owed or owe right up until the Judge made the bankruptcy order is nothing to do with you. You could be owed £1 million from 10 minutes before you were declared bankrupt but once the order was made, that money was no longer yours.

If the charges were incurred after the the day you were declared by the judge, they are yours to claim however you must inform the OR of a change of income until you are discharged and they may take them.

lazyfox

I do know that if you tell the OR of your claim he may not want anything to do with it , it is up to the OR i think you will find.