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Do I have to do this, or are they pulling a fast one?

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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?

Comments

  • fatbelly
    fatbelly Posts: 20,835 Forumite
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    No - you don't have to do anything.

    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.
  • sacha28
    sacha28 Posts: 881 Forumite
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    Sorry I meant bankruptcy order.

    Thank you fatbelly, I will email them on the email he provided saying exactly that!
  • sourcrates
    sourcrates Posts: 29,227 Ambassador
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    Debts included in bankruptcy do routinely get sold, it shouldn`t happen, but it does.

    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.
    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 forumteam@moneysavingexpert.com. 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
  • sacha28
    sacha28 Posts: 881 Forumite
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    Debts included in bankruptcy do routinely get sold, it shouldn`t happen, but it does.

    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.
    Thank you sourcrates. I've emailed them and pointed them in the direction of the OR, I have not received a reply.
    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!
  • sammy32683
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    Hi,

    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. 
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