I was adjudicated Bankrupt in January 2018 and discharged in January 2019. I've just received a letter from a debt collection company called Intrum. It's for an overdraft on a bank account and a credit card with the same bank. Both debts were included in the bankruptcy. Neither debt appears on my current credit report.
My question is how should I respond to this? I could write them off as chancers hoping to scare someone into paying and do nothing. Or I could contact them and explain I'm bankrupt etc etc. Going down this route I don't think there's any point in phoning them as the call centre probably has a script or even if they did agree with me without something in black and white it's useless.
So I'd write them a letter, same info as this post. I was made bankrupt, discharged, see copies of forms attached, any further question refer to the Official Receiver. I don't know how hard to go at them though. I am considering putting a request that they acknowledge in writing that the debt no longer exists. Ask them to respond within 28 days or I launch a complaint with Information Commisioner's Office? Is this the sort of thing they'd deal with? A company holding incorrect records about me?