Whistletree chasing 7 years after bankruptcy - Updated 10 July 2022 at 7:21AM edited 11 October 2022 at 6:46AM in Bankruptcy & living with it 7 replies 602 views

KeepOnKnitting

I'm furious, and a bit scared, but mostly furious.

Whistletree have just sent me a letter telling my my balance is £38k and asking how would I like to pay. This was written off in my bankruptcy in 2015. I know this, and they know this. I'm so angry at them for trying it on like this. Also pretty nervous in case they try to put something on my credit record at this point, when I have worked so hard since 2015 to keep my record spotless.

Do I just go straight back to them with a formal complaint? I think I would swear at them for being such bullies if I tried calling them, and it's probably not the fault of the person on the end of the phone.

Sonic101

I can understand your anger but I wouldn’t worry, if the debt was included in your bankruptcy they don’t have a leg to stand on. I suspect they’re either just trying it on and/or their system just sh**s out standard letters.

You are right about not calling them, waste of time I would just send them a letter giving the details of the bankruptcy  order and request they stop harassing you. 

Other people here will be able to give you further advice x

fatbelly

Sonic's correct for something that was a provable debt in bankruptcy. I'm not familiar with Whistletree. What sort of debt is that?

KeepOnKnitting

Whistletree took over from Northern Rock. The letter says it's a trading name of TSB Bank plc. The debt was the excess when my home was repossessed and auctioned in 2015 for half the outstanding mortgage. It just brings up a lot of memories of how bad that time was, so I'm really angry at them for stirring it all up. It was definitely in existence at the time of the bankruptcy and was the main reason that I had to go bankrupt rather than trying to pay it off. 

fatbelly

So it's a mortgage shortfall debt. That's provable. Just tell them about your bankruptcy and move on. 

JCS1

Just checking you didn't sign anything when the house was repossessed (and did that happen before or after going br)

KeepOnKnitting

No, I didn't sign anything to say I would still pay

KeepOnKnitting

Just to update on this. A couple of days later they sent me a letter saying "whoops, that whole original letter was an error, please ignore it". So annoying. Just mark my file as "£0 - do not lend", and never bother me again.