Receiving letters from creditor post bankruptcy

Rscott93

Hello everyone.

I declared myself bankrupt over 2 years ago and was discharged 12 months later. Anyway, I haven't heard anything since from any of the creditors except for one, who keep sending me letters every 4-6 weeks. The letter is a "notice of sums in arrears" showing a breakdown of the amount owed etc.

I've phoned them numerous times only to be told that there is nothing they can do to get these letters stopped as they are just regulatory letters and they are required by law to send them, even though the account is closed / settled.

I have a feeling this is just bad practice from this one creditor as I went through a 9 month long battle with them before they updated my account on credit reference files to be shown as settled. In the end, the only reason they gave in and changed it was because I got the ICO and Ombudsman involved.

I'm reluctant to go through the process again as it took quite bit of time and in a way impacted my health to a certain extent.

Is there anything I can do to get them to stop sending these letters? Are they actually allowed to keep sending them? I've called today and raised an internal complaint so this could possibly be the first step.

Just wanting some advice really.

sourcrates

Hi,

Does it really matter ?

The debt has long gone, just pop them in the re-cycle bin, this situation should not be causing you any grief, youve put in a complaint, just follow the process.
There is a regulatory requirement for this information, but once the account is closed, that should end.

Rscott93

It matters to me. It isn't a major inconvenience having these letters every 4-6 weeks however it's pretty annoying that they are still sending them when I'm pretty sure they have to stop, once the account has been closed.

WhenIam64

It matters to me.

Do you intend to pay? Is anyone else telling you to pay?

The analogy is some charity mugger (chugger) waving a tin in your face at a rail station. You don't have to even though they are annoying too. SC is on the button with it. They are the ones wasting time and effort.

TripleH

Look at it this way, they have to pay to send you these letters, so it is costing them money each time to inform you of this 'sum in arrears ' amount that they cannot actually legally ask you to pay for.

Sit back relax and enjoy that fact, does thinking about that make you feel just a little better?

Sometimes you need to spin the positive aspect in a situation even if it is silly.