Any help will be appreciated

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

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  • fatbelly
    fatbelly Posts: 20,213
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    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
  • 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
    Minkym00 Posts: 768
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    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
    sourcrates Posts: 28,522
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    edited 10 January 2021 at 2:02PM
    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.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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