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| T O P I C R E V I E W |
| Ade65 |
Posted - 01 December 2009 : 15:55:41
Hi,
I was made bankrupt in July 2008, and left bankruptcy July 2009.
One of my debts covered by bankruptcy was to Alliance & Leicester. They wrote to me in November 2008 regarding sums in arrears and I wrote back reminding them I was bankrupt and they should be dealing directly with the Official Receiver.
They wrote to me again in May 2009 about sums in arrears. I phoned them and reminded them that they should not be writing to me about this debt, and told them that if they did write again I would consider it harassment and would take the matter further.
This morning I have received another letter from them about the sums in arrears. This still relates to the debt that was included in bankruptcy.
I want to take this further now, so would appreciate any advice on who I should write to; is it the Official Receiver who dealt with the bankruptcy, or is there an industry body I should complain to?
Any advice most gratefully received.
Thanks,
Adrian |
| 10 L A T E S T R E P L I E S (Newest First) |
| Jane.l |
Posted - 24 November 2010 : 08:28:08
To be honest, I would not get stressed about it, I would shred it, the only time I would respond would be if I received any court papers, then I would send a copy of the bankruptcy order to the court and the creditor.
This happened to my husband, over 4 months after he went bankrupt, he received court papers for a credit card debt, he sent the copies off and has not been bothered since. some companies sell on debts and the buyer does not bother to check if it is a bankruptcy debt or not |
| RHB |
Posted - 23 November 2010 : 20:42:53
Given that they are changing to Santander it is likely that mistakes will be made, a letter once every 6 months hardly counts as harassment& your credit file won't be good until your BR drops off after 6 years. I would write again with all the info once the switchover has been completed in a month or so's time. |
| Ade65 |
Posted - 23 November 2010 : 19:25:39
Hi,
This week I've received another statement from Santander regarding my outstanding debt - and it includes interest! As this debt was included in my bankruptcy, and I've written to them - and the OR about it - I'm finding this quite upsetting and a little stressful.
Any ideas of what I should do? My thoughts go to three options.
a) write again to the OR.
b) ask Citizen's Advice for some help in resolving it
c) write again to Santander and explain the situation again, advising them that if I don't hear from them with an acknowledgement that they will clear this - or if they again write advising me of outstanding debt - I'll have to refer the matter to the Finance Ombudsman.
Really, I just want them to stop writing to me about a debt that no longer exists. I imagine this will also have an ongoing effect on my credit rating - is there anything I can do about that?
I have spoken to them (when they were still Alliance & Leicester) and they blamed their computer systems. I told them then that this was harassment - but I'm still getting the letters. Looks like it's a 6 month 'reminder'.
Any adviceon the best way to get them to stop will be much appreciated.
Ade |
| Ade65 |
Posted - 22 May 2010 : 14:48:20
Thanks - it has been previously referred to the OR when I've had letters in the past from them, but it doesn't seem to stop them!
I have told them directly before, and don't want to continue spending time and money on their 0845 numbers to explain again.
I've been discharged for nearly a year now.
I'll write to the OR again on Monday - thanks for the advice. |
| debtinfo |
Posted - 22 May 2010 : 14:15:25
Hi ade, what does the letter actually say, at the limit of thr rules they could arhue that they are allowed to send you a statement whilst you are not yet discharged, but they wouldnt be allowed to sk for repayment |
| Housing |
Posted - 22 May 2010 : 13:52:50
Yes, send it to the OR with a short covering letter and they should deal with it.
You could also drop the creditor a short note to say... as you know I became banrupt on the XYZ and this is my court reference. It was dealt with in the ABC County Court and the Official Receiver is (Name of OR).
Please be aware that I am an undischarged bankrupt and my indebtedness to your firm is captured witin my bankruptcy. With respect, your firm is aware of this and I ask you to refrain from writing to me as it is causing me anxiety and stress. If you need to communicate, then please address your correspondence to the Official Receiver.
I thank you, Yours faithfully etc
I hope this assists and do not let them stress you - the debt is technically within the bankruptcy and they can do no more - assuming the debt is not in joint names with someone who is not bankrupt - then, they can claim recovery from that person.
Good luck, Richard
quote:
Originally posted by Ade65
Today I've received another letter from Santander (which include the former Alliance & Leicester) - should I again just forward this to the Official Receiver's Office?
They don't seem to be taking much notice.....
"There are no problems - only solutions" |
| Ade65 |
Posted - 22 May 2010 : 13:27:53
Today I've received another letter from Santander (which include the former Alliance & Leicester) - should I again just forward this to the Official Receiver's Office?
They don't seem to be taking much notice..... |
| Ade65 |
Posted - 02 December 2009 : 21:16:09
Thanks, I'll pass on to the OR then.
Adrian |
| Housing |
Posted - 01 December 2009 : 19:21:36
Hi Ade65,
I think most of us have the odd letter from creditors and I suspect some firms are "worse" than others!! Very frustrating as you are now discharged.
As Melanie has said, the debt is not your responsibility now - tell the ORs office and if necessary action is required, they will deal.
Good luck, Richard
"There are no problems - only solutions..." |
| Melanie.n |
Posted - 01 December 2009 : 16:19:26
Just send the correspondence to the OR to deal with - the debt is no longer your responsibility
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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