ppi after bankruptcy

tigerfeet2006

paularoberts wrote: »

Ive emailed the receiver. Ive not been in bankruptcy for 6 months now.or paying any IPA. Fingers crossed this will help me.keep the money.

Please don't keep harping on about the fact you have been discharged for 6 months and have no IPA, it makes zero difference to your BR affairs. You signed legally binding paperwork when you went BR and you have to follow that for however long it takes to deal with anything pre-BR that exsists.

The facts remain that if anything financial comes from before your BR then it is for the OR to deal with and not you. We have had people on the board have to give money to the OR that came from financial descions made before BR but they had been discharged for 5/10/15/20/25 years. Conversly as Cobalt has said we have had some OR's say that people can keep the money. The point is the descion is not yours to make however much time has past.

Having said all that I do wish you all the best and hope that you have an OR who will let you keep it.

dojoman

Totally agree with TF, the fact that you are discharged and have no IPA is totally irrelevant. This money is NOT yours and you will not be allowed to keep it, it is as simple as that.

paularoberts

I have reread what the bank have sent and the refund is pre bankruptcy and they was cleared a few years before hand and have refunded me on them. They was NOT included in my bankruptcy paperwork. The one included in paperwork has not been refunded as not entitled to it no ppi on claim.
I have informed the OR anyway now in there hands. I certainly do not want to get done for theft or fraud.
Thanks to everyone for help and advise.

fermi

https://www.insolvencydirect.bis.gov.uk/technicalmanual/Ch25-36/Chapter31/part9A/Ch%2031.9A%20FAQs.htm

The bankrupt paid off the loan/credit card before the bankruptcy, does the official receiver still have an interest in the PPI policy?

Yes. The PPI mis-selling complaint is a separate matter from the loan/credit card it was taken out to protect. Provided the mis-selling took place before the date of the bankruptcy any complaint will vest in the trustee. See Part 1, paragraph 31.9A.21 to 22.