Please advise next step

stressedbusymum

Afternoon,

Logged back on after a long break to try and get advise from you knowledgable folks as not sure where to turn.

Basically my partner went bankrupt on the 13th september 2018 and was discharged on the 13th september of this year. We have received no letters from debt collectors in that time which has been a massive relief and we were feeling like we were building towards a fresh start.
Until this lunch time when a letter came through from lowell for a debt that was included in the bankruptcy and should surely now be written off??
It states they are writing as they haven't received the latest payment of 100 in line with his payment plan. He has never had such an arrangement with them and as income so low there was no funds for the official receiver to of been making payments. What should we do now?, do we ignore the letter, or get in touch with lowell stating they surely cant chase the debt because of bankruptcy. Any help will be greatly appreciated.

Kat

sourcrates

Hi,

Simply write and tell them the debt was included in your bankruptcy and you were discharged on (insert date).

They therefore have no remedy against you, they should cease collection activity immediately, and update your credit file to show a settled status, with a default date prior to you going bankrupt.

Enclose a copy of your bankruptcy order.

If they don’t play ball, next step FOS.