Do I have to do this, or are they pulling a fast one?
sacha28
Forumite 880 Posts
Me again (sorry!)!
So since discharge last month I've had several companies contact me regarding a debt they have purchased (Lowells, Moriarty and PCF to name but a few). Yesterday I received yet another letter so I phoned the company explaining that they had purchased a debt that was listed on my bankruptcy order, that I am now discharged from, and asked them to remove me from their file. The advisor on the phone checked the register whilst I was on the phone and stated that he can see my name. All good, or so I thought. He has told me that I have to email a copy of my BRO, despite being able to find me on the search. Do I have to do this? Or can I email them stating that they have confirmed my bankruptcy, therefore it isn't necessary?
So since discharge last month I've had several companies contact me regarding a debt they have purchased (Lowells, Moriarty and PCF to name but a few). Yesterday I received yet another letter so I phoned the company explaining that they had purchased a debt that was listed on my bankruptcy order, that I am now discharged from, and asked them to remove me from their file. The advisor on the phone checked the register whilst I was on the phone and stated that he can see my name. All good, or so I thought. He has told me that I have to email a copy of my BRO, despite being able to find me on the search. Do I have to do this? Or can I email them stating that they have confirmed my bankruptcy, therefore it isn't necessary?
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Do you mean BRO, or just bankruptcy order?
That isn't going to tell him anything that he isn't seeing on the register.
Just tell him that any further queries should be directed to the Official Receiver and you consider the matter closed.
Thank you fatbelly, I will email them on the email he provided saying exactly that!
The fact remains all liability for such debts has been removed by your bankruptcy, if a company buys such a debt, more fool them.
You do not have to have any dealings with these people whatsoever, if you want to be polite, write and tell them they have bought a pup, but don`t lose any sleep over it.
The worst they can do is start a court claim, to which your bankruptcy is a full defence.
More than a third of IVA`s fail....fact.
Could A Debt Relief Order help you ?
Never pay a fee for a Debt Management Plan.
For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
I just don't understand why, when he made it very clear he could see me on the register (or whatever its called), he then wanted me to send a copy of the order? But I won't give it any more thought!
I have had very similar and other companies saying they were never informed of my bankruptcy.
I did send them the order, discharge certificate and even my original application showing they were included. I know I didn't have to but they accepted all that and updated my file. So whilst you don't have to it may be easier to just send a quick email with what they are asking to stop any more contact.