Having a weird day

ajsdisc

In 2003 I was declared bankrupt, worked my way through it, came out the other end and spent 10 years rebuilding my credit history.

Today, I went to visit my mother who handed me 4 letters, I opened them and there is 4 identical demands, from a company dlc chasing my credit card debit with an agreement date of 1997!!!!

Obviously this was included in the bankruptcy!?!?!?!

Firstly, best way forward? Ignore? Nothing they can do anyway as it was discharged.

Second, can I take legal action against them for harassment?

london1973

Presumably the debt was included in your bankruptcy?
Over what period of time were the letters sent, not clear how often you visit your mother?! If it's only letters suggest you don't waste any time/money trying to sue, just let them know

ajsdisc

london1973 wrote: »

Presumably the debt was included in your bankruptcy?
Over what period of time were the letters sent, not clear how often you visit your mother?! If it's only letters suggest you don't waste any time/money trying to sue, just let them know

They were dated 14th november this year. Came last week, I work away and hadn't seen her in a couple of weeks. First letters in 12 years! Yes was included in the bankrupcy. Someone else said shred them and dont even bother contacting them as any further contact is void anyway due to it being included in my bankrupcy.

ajsdisc

I can't see how this was cleared in my bankruptcy 12 years ago and now they bring it up again. They can make me bankrupt a second time around!

sourcrates

ajsdisc wrote: »

I can't see how this was cleared in my bankruptcy 12 years ago and now they bring it up again. They can make me bankrupt a second time around!

No, but if you don't respond to them, you could end up with a CCJ by default.

They, and the court, may not be aware of your bankruptcy, and if judgement is granted against you, it will cost you £255,00 for a set aside.

A simple letter stating the facts is all it should take to put this to bed, no harm mentioning you may take legal action of your own either, but whatever you do, don't ignore it.

ajsdisc

sourcrates wrote: »

No, but if you don't respond to them, you could end up with a CCJ by default.

They, and the court, may not be aware of your bankruptcy, and if judgement is granted against you, it will cost you £255,00 for a set aside.

A simple letter stating the facts is all it should take to put this to bed, no harm mentioning you may take legal action of your own either, but whatever you do, don't ignore it.

Thanks, I will email them so I have a record Thanks for your help. I have little doubt this all came about when I did a PPI claim against them! They refused to pay out the thousands they were due me ironically!

NotEvanAPot

The finer points have already been covered, but legal action for harassment? If the opening of 4 envelopes causes such emotional distress that your second thought is compensation, I do not think you are ready to exist in the big bad world we live in. I am sure the Daily Mail will disagree with me, so perhaps enquire if they will fund your legal expenses...

The cost to have an incorrectly granted CCJ set aside would also be recoverable from the original claimant, to clarify a statement above.

sourcrates

NotEvanAPot wrote: »

The finer points have already been covered, but legal action for harassment? If the opening of 4 envelopes causes such emotional distress that your second thought is compensation, I do not think you are ready to exist in the big bad world we live in. I am sure the Daily Mail will disagree with me, so perhaps enquire if they will fund your legal expenses...

The cost to have an incorrectly granted CCJ set aside would also be recoverable from the original claimant, to clarify a statement above.

Ha ha ha, I mentioned that just as a frightner really, to make a point, and your right the OP could claim back the set aside fee, but why subject yourself to the hassle in the first place ?

tigerfeet2006

Also as an aside you are not entitled to claim any PPI from anything that was from before you were made BR. That money belongs to the Insolvency Service.

NotEvanAPot

It is why I am of the opinion stated here previously that once a BR order is granted, contact creditors straight away. Yes, old debt can rear its head in the future but proactive handling saves any problems, a telephone call followed up with an email and you are done. Can quickly put an end to the bottom feeders too.

The compensation culture in the UK is rife - the poster here, as a prime example, seems merely to have used MSE to date to enquire about action against eBay, easyJet and now a former creditor, I see no other posts under his moniker seeking debt or financial advice, just how to score some undeserved cash due to a misinformed view of being wronged. In a previous professional capacity I spent a great deal of time representing defendants of claims, so I certainly provide my opinion of claimants with situational knowledge. How I miss drafting claim responses...

NotEvanAPot

tigerfeet2006 wrote: »

Also as an aside you are not entitled to claim any PPI from anything that was from before you were made BR. That money belongs to the Insolvency Service.

I can just imagine the poster's bottom lip should the Insolvency Service be in touch...