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  • FIRST POST
    • brclub
    • By brclub 16th Apr 18, 4:13 PM
    • 145Posts
    • 40Thanks
    brclub
    Bankrupt 7 years ago, creditor called today
    • #1
    • 16th Apr 18, 4:13 PM
    Bankrupt 7 years ago, creditor called today 16th Apr 18 at 4:13 PM
    Hi all,

    I went bankrupt back in July 2011 and a Vodafone account I had was included on it (Iím sure it was anyway!!).

    Today I had a call from a company called NCL Resolve saying that they had an account passed to them for the money I owed to Vodafone.

    I informed them I was declared bankrupt, and they were able to check and confirmed it, and they said they would send the account back explaining I was made bankrupt.

    What I want to know is can they chase me for this? And if I didnít include it on my bankruptcy would they be entitled to the money back?

    I told them not to update the address to my current address, which theyíve said they wonít, but Iím worried Iím going to chased for this now.
    Thereís nothing on my credit file for this anymore, I just want to know what theyíre legally entitled to do about this old debt.

    Many thanks,
    Richard.
Page 1
    • sourcrates
    • By sourcrates 16th Apr 18, 4:26 PM
    • 15,908 Posts
    • 14,964 Thanks
    sourcrates
    • #2
    • 16th Apr 18, 4:26 PM
    • #2
    • 16th Apr 18, 4:26 PM
    Hi Rich

    Legally they cant do a thing.

    When you go bankrupt, its not like in a DRO or IVA for example, where you have to list your debts in order for them to be included.

    In bankruptcy, all your debt are included (with some certain exceptions) so they cannot chase you for this debt.

    Accounts involved in an insolvency do get sold on sometimes, but you have nothing to worry about here as your bankruptcy will of covered this debt, and creditors have no remedy against Bankruptcy.
    Last edited by sourcrates; 29-04-2018 at 4:32 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • brclub
    • By brclub 16th Apr 18, 4:44 PM
    • 145 Posts
    • 40 Thanks
    brclub
    • #3
    • 16th Apr 18, 4:44 PM
    • #3
    • 16th Apr 18, 4:44 PM
    Hi Rich

    Legally they cant do a thing.

    When you go bankrupt, its not like in a DRO or IVA for example, where you have to list your debts in order for them to be included.

    In bankruptcy, all your debt are included (with some certain exceptions) so they cannot chase you for this debt.

    Accounts involved in an insolvency do get sold on sometimes, but you have nothing to worry about here as your bankruptcy will of covered this debt.
    Originally posted by sourcrates
    Thanks so much for your quick response, youíve put my mind at rest.

    I thought this was the case but for my own peace of mind I just wanted to get it confirmed.

    I canít believe theyíre still chasing after so long, it was only about £90 at the time if my memory serves me correctly.

    Thanks again,
    Richard.
    • maxmycardagain
    • By maxmycardagain 18th Apr 18, 11:34 AM
    • 4,711 Posts
    • 3,752 Thanks
    maxmycardagain
    • #4
    • 18th Apr 18, 11:34 AM
    • #4
    • 18th Apr 18, 11:34 AM
    O2 chased me via debt collectors, and the bill got sold on several times, in the end the penny dropped.

    the HMRC CCJ for £10K hung round like a bad smell but after going through the CC and HMRC it got wiped
    Dont worry, be happy
    • fermi
    • By fermi 18th Apr 18, 2:01 PM
    • 39,657 Posts
    • 47,628 Thanks
    fermi
    • #5
    • 18th Apr 18, 2:01 PM
    • #5
    • 18th Apr 18, 2:01 PM
    If you want to respond, 1st post in this thread may help

    http://forums.moneysavingexpert.com/showthread.php?t=4768717
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Vodafone
    • #6
    • 29th Apr 18, 2:46 PM
    • #6
    • 29th Apr 18, 2:46 PM
    Hi Richard,

    I appreciate the concerns you've raised following the recent contact made with you by the debt collection agency.

    If you'd like me to make sure that this matter has been resolved, please email me via the form here.

    To access the form you'll need to enter the code WRT135.

    As well as stating your query in the question box, please also quote "MSE Forum".

    Once sent, you'll receive an automated reply with a reference number. Post it on here and I'll check I've received it.

    Kind regards,

    Lee

    Vodafone Social Media
    ďOfficial Company Representative
    I am the official company representative of Vodafone. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
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