Wonga payment and discharged BR

db2016

I was BR in sept 2016 and then 12m later usual discharge - and no on going payments to make etc, it was a clean easy case. it all got written off. and part of this was wonga debt. and just been building up things with a better mindset etc after.. and doing fine after it.
i was contacted by wonga and filled forms etc, about the redress. I asked them what to do, and could they just absorb that payment if any, coz of the debt. they told me to tell the BR people so i emailed (but it bounced back). and then so i wrote a letter, saying i'd filled forms and what to do next (also around the same time, before xmas i got a letter from halifax about a savings account interest being lowered (this was opened with £1 in years ago and forgotten about). and now has £2.01 (i asked in branch). so i added this into the letter too and asked what to do.
wonga sent email on friday saying "Shortly following the Joint Administrators issuing your dividend declaration, the Joint Administrators were contacted by the Official Receiver who is understood to be acting as trustee of your bankruptcy affairs.

As a result of the bankruptcy order made against you, which may have been discharged, the Official Receiver has made a claim to receive your dividend payment for the benefit of the bankruptcy estate.

Accordingly, the Joint Administrators will be remitting your dividend payment of £3.52 to the Official Receiver, rather than you directly. This payment represents 4.3p in the £ on your agreed claim value of £81.75.

The Official Receiver will be writing to you separately regarding this matter and should there be any reason why the funds would not be due to your bankruptcy, please contact et etc"

im a lil worried as i thought this would be done and over, and i genuinely didnt know about the savings account and forgot about it being opened online otherwise i'd have mentiioned it in the BR, and also the wonga payment, i know i have no claim to it but im worried that the BR will make me bankrupt again or think i hid it.

any advice?

mwarby

I wouldn't worry about it, your missing out on £3.52. The OR won't care about the £2.01 saving account. Worse case you'll need to send OR £5.53

db2016

mwarby said:

I wouldn't worry about it, your missing out on £3.52. The OR won't care about the £2.01 saving account. Worse case you'll need to send OR £5.53

yea the logical part of me thinks yes that ^ but i dunno theres a part of me that thinks, oh they are gonna want another form of incomes outgoings etc and bascially drag me into another 12m BR or with some sort of punishment because they think ive lied or hidden things. which i havent of course, i'm sure noone would lie to keep hold of less than £6!

but as ever, the logical side and the emotional blur in these matters!

mwarby

I highly doubt it, if it had came to light you were hiding significant assets (like thousands) you'd likely find yourself in court on a criminal charge. £5 worth of new assets is nothing, it'll probably cost them more than that to handle it

db2016

i phoned today, well twice actually, systems were down so i got a call back and inbetween that i talked to me OR.
they both kinda said the same, because wonga got into touch with OR, it's skipped me and they are dealing direct.
but they seemed to say, they wouldnt really chase it, because the admin fees to do so would outweigh the benefit. same for the halifax. they were surprised that even though i forgot about this account to add to my BR forms, they said that halifax should have given them all account details under my name, again they seemed to suggest they'd just leave it as £2.01 is nothing.

they did say that the payment processing part of the OR isn't the same as who i have contact for though (which they said is nearest office to your address in most cases), and centrally managed, so THAT dept may send a letter and to just tell them the same.. but again unless wonga or halifax automatically transfer the few quid, they wouldnt really actively chase it, as admin time n costs would not be worth it.