Official receiver, is this right?

Orchidlady_2 · 1 September 2015 at 1:16PM

I need some advice. I was made bankrupt on the 21st of August and waiting to hear from the official receivers. On Friday afternoon, whist I was out they called my house and asked me 15 year old son if I was still trading ( sole Trader) and told him I was bankrupt. I am beyond livid as something he really did not need to know. I called straight back on Friday but went to vm, so after a fretfull weekend have called the RO and asked why they were discussing this with someone else let alone a child. She has accused me of of not cooperatings ( which I am more than happy and willing to do of course) I really am upset, any advice. I have asked for their formal complaints procedure and spoken to a very reasonable sounding person but now worried my card is marked

TheGardener · 1 September 2015 at 2:06PM

It sounds very odd that the OR would call at your house - let alone discuss your case with someone else (regardless of age) Are you sure it was not bailiffs?
Have you been made BR by a creditor or was it your own petition?
Rule number 1 (there are no others) with the IS and OR is complete, honest and timely responses to any requests or questions; In what way did the person you spoke to believe you to have been uncooperative? Has the OR asked for your paperwork and if so, have you sent what they asked for?

Orchidlady_2 · 1 September 2015 at 2:14PM

Sorry maybe I was not clear. So was made BR by HMRC on the 21st. Have had not paper work from OR as yet, the call on Friday was a phone call from the OR, I returned to call as soon as I walked in the door. I also thought it could not be true that they would discuss my case with anyone else let alone a child, pretty unbelievable really. I made a complaint and asked for someone else to be appointed to me case and have had an apology of sorts and OR looking into the matter. The woman who told my son said she felt justified as it is public knowledge anyway. I am beyond livid if I am honest.

MacMickster · 1 September 2015 at 2:58PM

The information that you are bankrupt is in the public domain. It is published in the press and I'm sure that your son would soon have it brought to his attention by "friends". It is not something that you can or should hide. There are no grounds for complaint.

AMay · 1 September 2015 at 3:04PM

The information is published in the London Gazette, I doubt any 15 year old would be reading it.

I'd be concerned that they told your son. I'm currently going through the steps to bankruptcy, and it's certainly not something j want my children to even know about it be concerned about.

Orchidlady_2 · 1 September 2015 at 3:14PM

*Mac* I think highly unlikely my son would read the London paper nor look at the Insolvency web site to be fair. Not really the point, surely they should be discussing things with me not a child.

MacMickster · 1 September 2015 at 3:17PM

AMay wrote: »

The information is published in the London Gazette, I doubt any 15 year old would be reading it.

I'd be concerned that they told your son. I'm currently going through the steps to bankruptcy, and it's certainly not something j want my children to even know about it be concerned about.

It is also available on the old interweb. Many teenagers tend to google their friends and friends parents etc to find any embarrassing facts.

I believe that a 15 year old should certainly be told about a bankruptcy. At that age they do need to understand a bit about household finances and why they can't have the money to go to see their favourite band or on holiday with their mates etc.

AMay · 1 September 2015 at 3:19PM

I suppose it's down to personal opinion.

I wouldn't be telling my children, wether they were 15 or 51, but it comes down to personal choice.

Orchidlady_2 · 1 September 2015 at 4:05PM

AMay exactly. I think a 15 year does not need to know as all too much to cope with. Just spoken to my new contact at OR and he was delightful, repectful and very helpful. Does not change now my poor son knows now.

Orchidlady_2 · 1 September 2015 at 4:12PM

Mac what ever you believe is your own personal choice of course, but I do not think it appropriate for my child to know and should have been my choice. Business Debt Advisory and new contact at OR agree with me.

philnicandevan · 1 September 2015 at 6:29PM

Think yourself lucky....in the early days of my BR a few years ago the OR's office decided to send me correspondance with "insolvency service" stamped all over the envelope...meaning the postie and anyone else in the house could see it for all