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Advice please

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I was made bankrupt in March 2022 and voluntary terminated my finance car in October 2022. The agreement was taken out in 2021

I received a letter today saying I owe arears of £1000. I phoned them and they said the official receiver hasn't been in contact with them so I'm liable for the amount??

Am I ?

Comments

  • JCS1
    JCS1 Posts: 5,335 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    What kind of finance was it?
  • Hire purchase 
  • JCS1
    JCS1 Posts: 5,335 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    And was there any equity in the vehicle at the time of BR?
  • No don't think there was
  • Brie
    Brie Posts: 14,593 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Was it included as part of your bankruptcy?  
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions 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.

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  • Brie said:
    Was it included as part of your bankruptcy?  
    At the start no but then was if that makes sense
  • JCS1
    JCS1 Posts: 5,335 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Brie said:
    Was it included as part of your bankruptcy?  
    Bankruptcy covers unsecured debt, as this was HP it would have been secured against the car.
  • Just received this 

    They have confirmed you are in a Bankruptcy Order. The letters we have send are mandatory letters and will continue to be sent by us until the Bankruptcy has been completed.

    I can confirm you do not need to take any action with regards to the letters.

    So all good 
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