Re-payment when bankrupt

Clarey22

Hello, wondered if anyone would be able to give some advice. My Father in law was made bankrupt last October for owing over £15k in unpaid tax. He also had an outstanding loan with Lloyds (not sure of amount) which was included with the bankruptcy. He currently isn't working (is self-employed but no work at present) and has received a letter from a company saying he has now got to start paying £180 a month for the next 3 years to repay an outstanding debt of just over £6k. It doesn't say what it relates to and as he is stubborn he hasn't bothered to ring and find out. My mother in law said she has called the insolvency helpline and they told her that it is right and he will have to pay but I said they need to contact the OR to find out what it is for and if they do need to pay. I thought that when you were made bankrupt the debts were written off or is it because the debts relates to tax rather than a credit or store card that they are trying to get some back? Also, Lloyds keep on sending through demands for the loan even though they have been told he is now bankrupt. Should I just tell them to ignore them or do the need to send a letter or anything to confirm the bankruptcy details? Any advice greatly appreciated - thank you.

fermi

All debts on loans, credit cards, and his tax debts will be included in the bankruptcy.

The loan to Lloyd's will be included, and they can take a "long walk off a short pier". The same goes for any other company contacting him about a debt from before his bankruptcy.

However, the Official Receiver can ask you to pay towards your former debts for up to 3 years via an Income Payment Agreement.

See the link: IPO / IPA (Income Payment Orders and Income Payment Agreements)

The company that the OR uses to collect this is a firm of solicitors called "Clarke Willmott". So it's possible that it is about this, rather than being a normal creditor.

He needs to contact the OR ASAP to find out which, and enquire what he should do.

If he is not earning then they should not really be asking him to pay an IPA.

So whether it is an old creditor, or the OR's "agents, he needs to get hold of the OR to deal with this in the appropriate way.

Clarey22

Thanks for that - i think the letter is from Clarke Wilmot so at least that would be to do with the OR rather than a debt agency. Will tell thm they need to contact the OR to confirm details and also mention about having no work at present to see if they can delay payment or reduce the amount.