Creditors sold debt included in bankruptcy after order

yellowbackpack

Hi everyone, 
I was declared bankrupt on 15th January 2020 and I received a letter from New Day on 11th June 2020 advising that they had sold on my debt to PRA Group.
I then received a letter from PRA Group advising me that they have bought the debt and referenced how much I owe them but outlining that it is not a demand for payment. Instead, the letter advises that they will be dealing directly with OR for the duration of my bankruptcy - I then informed the OR, who assured me that if the debt was included in the bankruptcy then they will not be able to contact me for payment.

I have checked Clear Score today and in this months report, PRA Group have been added as a new credit card - can they do this? They are aware I'm bankrupt.

I'm also worried about what happens after I'm discharged. They make reference several times throughout their correspondence that they will not contact me for payment whilst I'm subject to a bankruptcy order - but what about after? Will they be able to contact me and ask me for payments once I'm discharged? Are New Day allowed to sell on debts that are included in bankruptcies? 

Appreciate any help or advice! Thanks

bradders1983

No, its just a bog standard letter, they have to legally tell you if the debt has been passed on, they cant actually chase you for it, they probably bought thousands of accounts at the same time and a few bankrupt ones will have been in the batch. Happened to me as well.  It doesnt change the status of it and they certainly cant chase it afterwards.

JCS1

They purchase for few pennies in the pound, in the hope that they will receive a small payout from some.  File the paperwork and ignore it.

sourcrates

yellowbackpack said

I'm also worried about what happens after I'm discharged. They make reference several times throughout their correspondence that they will not contact me for payment whilst I'm subject to a bankruptcy order - but what about after? Will they be able to contact me and ask me for payments once I'm discharged? Are New Day allowed to sell on debts that are included in bankruptcies? 

Appreciate any help or advice! Thanks

After discharge you will no longer be bankrupt, and all your debts will be written off as a consequence.

Remember, that is the purpose of bankrupcy, to remove your liability for your debts.

Makes no difference what any creditor may say or do, your bankrupcy superceedes everything, and they have no remedy against it.

As explained above, debts are sold in bulk, its not uncommon for insolvent or bankrupt debts to be included in that pile.

Once you are discharged, then your credit file clean up begins, basically all your debts should show as defaulted, no later than the date of your bankrupcy, and all should show as settled/satisfied, and have a zero balance.

yellowbackpack

Thanks so much for your replies, that really helps! 
I’ve been looking at the clean up thread at the top of the page so will do that when it all happens. 

sourcrates

Bankrupcies rarely fail, as its more or less a done deal, however IVA`s and DRO`s do fail quite often, as the debtors circumstances have changed, they buy these debts gambling that something may go wrong, and they will be able to pursue them again.

Let me stress that won`t happen with you, in that respect bankrupcies are pretty straightforward and cannot normally fail.

fatbelly

Happens all the time - there are companies that specialise in buying insolvency debts. That's why I always advise people losing an insolvency solution (usually an IVA) to wait to see who writes to them as their creditors coming  out of insolvency may not be the ones they had going into it!