Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • Gerry865
    • By Gerry865 6th Mar 18, 1:42 PM
    • 23Posts
    • 6Thanks
    PRA Group
    • #1
    • 6th Mar 18, 1:42 PM
    PRA Group 6th Mar 18 at 1:42 PM
    I have today received a letter from this company for an amount of 157.32 for a debt with GE Capital.

    I was made bankrupt on 23/11/2009, and this amount was included in my Bankruptcy. This firm keeps contacting me, should I ignore them or tell them again that I went bankrupt?
Page 1
    • luvchocolate
    • By luvchocolate 6th Mar 18, 1:58 PM
    • 1,544 Posts
    • 1,405 Thanks
    • #2
    • 6th Mar 18, 1:58 PM
    • #2
    • 6th Mar 18, 1:58 PM
    Reply to them quoting your B.R no.
    If they continue pass it on to the O.R who handled your case.
    • philnicandevan
    • By philnicandevan 6th Mar 18, 6:47 PM
    • 553 Posts
    • 514 Thanks
    • #3
    • 6th Mar 18, 6:47 PM
    • #3
    • 6th Mar 18, 6:47 PM
    Or send this (with your details etc changed..from one of fermi's brilliant letters a while back)

    Your Address


    Creditor's Name

    NOTICE: Pursuit of a debt included in a bankruptcy. Do not ignore this letter. You must cease collection activity IMMEDIATELY.

    Dear Sir/Madam

    Account No: *****************

    You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

    I would point out that the account was included in my bankruptcy which commenced on <date>.

    Consequently, the debt in question is no longer my legal responsibility.

    ALL contacts and claims regarding the debt MUST be addressed to the Official Receiver's Office dealing with the case.

    My case was XXX of 200X, at <somewhere> County Court, and the address of the Official Receiver is below.

    <Address of the OR.

    A copy of the bankruptcy order is enclosed for your convenience.

    Please note that the Official Receiver has requested that all future contact from your company regarding these accounts is reported and forwarded to themselves, and that continued contact with myself may result in Official Receiver taking enforcement actions against your organisation.

    Please also note that we are familiar with the !!!8216;Office of Fair Trading Debt Collection Guidance!!!8217; which states that it is unfair to send demands for payment to an individual when the debt is not due.

    In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

    Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

    In addition, your continued telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office.

    This type of debt collection method is contrary to the !!!8216;Administration of Justice Act 1970!!!8217; in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint will be submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.

    Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

    We await your written confirmation that this matter is now closed.

    We look forward to your reply.

    Yours faithfully

    A N Other

    and print surname NOT sign

    Not quite a newbie as you think (the member formally known as philnicandamy!)

    FINALLY a qualified CAB debt caseworker 2015..
    BSC 58
    • haggis0073
    • By haggis0073 6th Mar 18, 7:13 PM
    • 160 Posts
    • 118 Thanks
    • #4
    • 6th Mar 18, 7:13 PM
    • #4
    • 6th Mar 18, 7:13 PM
    now thats what i call a letter lol, will take a copy of that for future reference
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,985Posts Today

7,180Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line?

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin