Forgotten small debts and CCJ post-BR

bokeh

Bit of a strange one but...

I have A LOT of creditors - a lot more than I recall over the past 10+ years, probably in the region of 20+. I have a couple of small payday loans (£350-ish) which have not appeared on any of my credit reports but I know are still outstanding, I just cannot remember the name of the two companies. They were smaller payday loan companies (not Wonga or anything like that) but I have tried google and looking at my bank statements and nothing has become any clearer.

So I have two questions:

1. How should I mention this when completing the BR forms? I don't know the outstanding balance, except that it is between £350 and £800 but I don't know the name of the company or the exact amount?

2. If the BR goes through with or without those debts mentioned, what if the companies concerned get a CCJ against me say, 1 or 2 years later for those debts? Will the BR cover them and I won't be liable? Will a CCJ still be granted?

Thanks

TheGardener

BR covers ALL unsecured debts on the date of the BR regardless of whether they are actually named on the petition. Explain this to the OR when you speak to them - if you can track down the names then the OR will be able to include them when they write to all creditors - this should prevent anyone trying for a CCJ.

National_Debtline

Hi bokeh


Just to add to TheGardener's response, your bankruptcy will be advertised in the London Gazette, thus giving any unlisted creditors an opportunity to make themselves known to the Official Receiver.


One way or another, bankruptcy wipes these debts out and there is no way for creditors to dodge it.


Dennis
@natdebtline