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| qlj |
Posted - 27 July 2009 : 19:50:37
I was declared bankrupt in October 2007 and discharged July 2008. Recently, on 16 July 2009, Abbey sold my debt with them to a third-party debt collection agency, even though I informed them of my BR when I was declared. When I contacted their debt-recovery department, I was informed by the customer-facing representative that the supervisor was aware of my situation and they were within their rights to continue to sell the debt on (and I suppose by implication that they can still pursue me for the outstanding amount), even though this debt was stated and included in my BR declaration.
What can I do? Can Abbey do this? Are they acting illegally? Is this just a tactic?
Coincidentally, and I don't know if this has any bearing, but I discovered that I still had an outstanding business reserve account with Abbey for a Limited Company which I dissolved before BR containing just over £210, which I explained to the OR as soon as I received a bank statement. The OR informed me they weren't interested in chasing the funds and that since the BR was discharged they had no interest in the bank account. Now, I had at the time I wound up the company, I expressly asked the Abbey to declare if I had money in any accounts and they said I had money only in my business current account and so I instructed the Abbey to close all my business accounts. Yet again, another sign of why Abbey has been voted Which? magazine's worst bank in Britain. |
| 4 L A T E S T R E P L I E S (Newest First) |
| qlj |
Posted - 28 July 2009 : 23:41:35
Thank you, Reviva UK. That explanation seems to fit. |
| Reviva UK |
Posted - 28 July 2009 : 23:11:05
lack of any useful training for the banks I am affraid.
many of the folk you speak to on the phone are unsure how to spell insolvency and are certain that bankruptcy is part of a debt management plan which means that you must stil pay.
Wonderful !!!
Paul Johns
Bankruptcy Specialists
Reviva UK
www.revivauk.com
Real People ..... Real Debt Solutions |
| qlj |
Posted - 27 July 2009 : 21:36:34
Thanks, Kallis3. This is what I thought. I know that my debts are dissolved and Abbey doesn't have the right to chase me for money, but they have a corporate policy of doing so anyway. How many other people must they be doing this to? And why hasn't this been drawn to the government's attention and why aren't Abbey strongly encouraged to desist? In addition, they are selling a non-existent debt onto third parties, which isn't fair to those other companies. That must constitute an illegal sale, surely? |
| Niobe |
Posted - 27 July 2009 : 19:54:56
The debt was included in the BR, and Abbey can do nothing to you.
Did you print off a copy of your discharge from the Insolvency Register? If so, you could send this off to Abbey.
You could also request a discharge certificate from the OR, but that will cost you.
If you are contacted by a third party, you will have to tell them that the debt was included in your bankruptcy and is no longer active.
The glimmer gets brighter all the time
Jan
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