Bankrupt - Argos claim they can demand payment

vixg66

Hi

I was declared bankrupt in January. Argos are one of my creditors. they have just written to me to say I have breached my agreement with them due to becoming bankrupt - fair enough.

They go on to say that after 8 April 2019 they may take the following actions:

- Terminate the agreement
- Demand immediate payment of the full balance
- transfer the balance and charge backdated interest
- instruct a debt collection agency to collect the full balance and/or take legal proceedings against me.

presumably they can't take any of the last 3 actions they are threatening me with as the debt is included in my bankruptcy? The letter has worried me though. If the last 3 threats don't apply then why threaten me with them?

Can anyone advise me as to what to do? Thanks

TheGardener

No - Argos can not do any of the last 3 actions. You can either:
a) Let your OR know and ask if they will write to Argos
b) Send a copy of the BR order to their return address
c) completely ignore them

Its quite possible that it is a template letter that sets out their intentions more as a kind of statement/process tick box for their own audit or financial year end purposes.

vixg66

TheGardener - thank you. I guessed that it might be a template but still worried. I forwarded it to the OR and she told me to ignore them.

A4445

This is rubbish. Tell them they a breaking the law. I had a nightmare with Argos Card the default date was wrong It went to the regulator and they forced them to change it.

I had a very dry letter saying it had been changed.