Any help will be appreciated 4 January 2021 at 12:35PM in Bankruptcy & living with it 4 replies 361 views

dawd999

Hello all and happy new year.
I applied for BR and was approved in october 2020. Everything was fine however i have reveived a letter from Link financial saying Aqua (credit card) has sold my debt to them.and i need to show the letter to my insolvency practitioner they will also inform her. Now im abit worried will they start sending bailiffs out etc? I am.officially bankrupt now. Any help is appreciated xx

fatbelly

All your liabilities as of October 2020 are covered by your bankruptcy, whether they were listed or not.

As they told you, pass the letter to your contact at the Official Receiver

Fighter1986

There won't be any bailiffs, just send proof of your bankruptcy to Link and notify your OR that Link are now a creditor to be included in your BR. Your OR will write to Link too. You don't need to forward Link's letter to the OR. 

Minkym00

The debt vests in your bankruptcy so no enforcement proceedings can take place, don’t worry.

These debts are sold on post-bankruptcy in the small chance that they could be paid off by the bankrupt coming into money (say, an inheritance or a lottery win) during their 12 month bankruptcy period. That’s all.

sourcrates

dawd999 said:

Hello all and happy new year.
I applied for BR and was approved in october 2020. Everything was fine however i have reveived a letter from Link financial saying Aqua (credit card) has sold my debt to them.and i need to show the letter to my insolvency practitioner they will also inform her. Now im abit worried will they start sending bailiffs out etc? I am.officially bankrupt now. Any help is appreciated xx

Your bankrupt, under bankruptcy you are released from all your pre-bankruptcy debts, that’s the whole purpose of the exercise.
Non of your creditors have any recourse to collect on anything here.

You don’t really need to do anything, but you can send a copy to the OR if you want to give them a laugh.