Whistletree chasing 7 years after bankruptcy - Updated

KeepOnKnitting
KeepOnKnitting Posts: 589
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edited 11 October 2022 at 6:46AM in Bankruptcy & living with it
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.
Save £12k in 2024 #29
January take lunch to work goal - 13 of 19

Comments

  • Sonic101
    Sonic101 Posts: 151
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    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
    fatbelly Posts: 20,227
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    edited 10 July 2022 at 7:52AM
    Sonic's correct for something that was a provable debt in bankruptcy. I'm not familiar with Whistletree. What sort of debt is that?
  • 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. 
    Save £12k in 2024 #29
    January take lunch to work goal - 13 of 19
  • fatbelly
    fatbelly Posts: 20,227
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    So it's a mortgage shortfall debt. That's provable. Just tell them about your bankruptcy and move on. 
  • JCS1
    JCS1 Posts: 5,276
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    Just checking you didn't sign anything when the house was repossessed (and did that happen before or after going br)
  • No, I didn't sign anything to say I would still pay
    Save £12k in 2024 #29
    January take lunch to work goal - 13 of 19
  • 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.  
    Save £12k in 2024 #29
    January take lunch to work goal - 13 of 19
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