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| panicked-mum |
Posted - 09 June 2009 : 09:45:54
Creditors:To tell or not to tell?
Well, we've missed our first month of payments into our DMP whilst trying to save up for our court fees. The phone is red hot with calls from all of our creditors and I just wanted to ask everyones advice on how to handle them. Has anyone else told their creditors of their intentions prior to bankruptcy? If so has it made any difference.
We're thinking of writing to everyone and setting up a small s/o for each offering a couple of pounds per creditor whilst we save and letting them know that we intend to declare BR in August.
I'm presuming any action they take between now and August will be irrelevent anyway as will be included in BR, is this right?
Here's hoping you lot can be as usefull as ever!! By the way it looks as though we've finally sorted a rental out and should be able to move next week hopefully. |
| 5 L A T E S T R E P L I E S (Newest First) |
| mick1972a |
Posted - 09 June 2009 : 19:00:03
Hi Panicked Mum, I did not pay some of my creditors for about 6 months before our BR. We did not tell them or make any payments to them before our BR but I did change my home phone number as the calls were annoying.
The phone never rings now which is really strange.
Good luck
Mick |
| memphisd56 |
Posted - 09 June 2009 : 16:02:23
You can always log on to their websites, (if you have internet banking with them), and change your contact details...that seems to do the trick!
I changed an email addrees to: e**elhasntgotaclue@hotmail.com
in reference to an employee that wasn`t very helpful, and the same department sent me a letter that stated, the email address i gave wasn`t responding!!...that DID make me chuckle!. |
| panicked-mum |
Posted - 09 June 2009 : 15:54:50
Thanks guys, I'm getting good at ignoring the phone at home and my mobile. I just hope they don't start contacting myself or my husband at work!
I think when we move we'll be cancelling the home phone anyway so that's one less ringing. |
| Jane.l |
Posted - 09 June 2009 : 10:32:53
Personally, I would not tell them or pay them anything. If you are going to go bankrupt, you will just be chucking money away and it won't necessarily stop their action, in fact, in some creditor's cases, it can make them take more action, eg, CCJ, charging orders,.
I did not pay any creditors for about 7 months before I went bankrupt and I did not answer their phone calls or letters. I got 2 CCJs and a charging order but once bankrupt and we had given up the house, these did not matter |
| Niobe |
Posted - 09 June 2009 : 09:51:48
Hi panicked-mum.
Take a look at this thread:
http://www.bankruptcyhelp.org.uk/forum/topic.asp?whichpage=1&TOPIC_ID=7720#33915
It has advice on what to do with creditors on there.
Well done with the rental.
The glimmer gets brighter all the time
Jan
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