Bankruptcy in 2009

bigmark69

Hi me and my wife had to go bankrupt in 2009 due to loss off my job. We lost the flat we was buying and all our debts where gone. We had a letter today from a debt collector saying that we owed the Halifax £61,000 due to a short fall on our mortgage. The mortgage was in the bankruptcy and I find it strange that nearly 10 years have gone by and there now trying to get me to pay the amount outstanding. I told the debt collector company that we had gone bankrupt after the mortgage was taken and it’s nothing to do with me anymore. They have now told me that the file is going to be kept open until they investigate this. I do not have the letter from the court anymore as I thought this was all sorted. What should I do just wait for the debt collector reply ?

TheGardener

As someone who keeps paperwork forever :rotfl: I often advise folk on this forum to keep a discharge notice forever.
However, I wouldn't worry about it too much. Check your credit files to see if this debt shows and complain to the company using some of the templates in the stickies.
If your files are clear - then just ignore them. They will have bought a pile of old debts for pennies in the hope of turning a buck or two from someone.

silvercar

They have 12 years to chase secured debts, which is why they are chasing now. As TheGardener says, they probably bought the debt for peanuts in the hope a few people will pay up. They probably are unaware you are bankrupt. The debt is no longer your concern.