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Advice please

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stanger66
stanger66 Posts: 33 Forumite
10 Posts First Anniversary
in Bankruptcy & living with it
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?
  • stanger66
    stanger66 Posts: 33 Forumite
    10 Posts First Anniversary
    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?
  • stanger66
    stanger66 Posts: 33 Forumite
    10 Posts First Anniversary
    No don't think there was
  • Brie
    Brie Posts: 14,559 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Was it included as part of your bankruptcy?  
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  • stanger66
    stanger66 Posts: 33 Forumite
    10 Posts First Anniversary
    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.
  • stanger66
    stanger66 Posts: 33 Forumite
    10 Posts First Anniversary
    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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