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nathan 2
Junior Member
United Kingdom
192 Posts |
 Posted - 19 January 2011 : 09:05:58
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Hi there,
I went bankrupt in 2009.
I still receive correspondence / statements from the Halifax bank regarding a homeowner loan that I had included within the bankruptcy. (I no longer have the home that it had been attached to).
I have contacted the relevant department to arrange for them to discontinue treating me as a customer, as the loan should now be void. However, they insist that it is their policy to maintain having me on their database as a customer with this outstanding debt owed to them - despite the fact that they say they do not intend to pursue me to recover it.
My concern is that; after a period of time without my contesting receiving these statements; they will be able to re-establish the loan and make me repay in full (circa £11k).
Another issue could be having an outstanding loan on my credit file which may be showing to be missing payments.
Thank you. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 19 January 2011 : 22:54:51
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They cannot make you pay this loan as it was included in your bankruptcy.
I would write a very strong letter to head office informing them of this and threatening to report them if they continue to contact you.
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
Jan
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 20 January 2011 : 00:36:38
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The answer Halifax gave to me
is we are aware that it is included in your bankruptcy but we have to send out the statements.
we dont enforce the letter, it is the way our computer system works, as it is still shown as a (tax deductable ? ) debit.
we have your bankruptcy reference and a copy of court extract on file.
regards Richard |
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Bigal4787
forum expert
United Kingdom
641 Posts |
Posted - 20 January 2011 : 00:38:59
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Hi Nathan,
The Halifax are one of the awkward squad when it comes to things like this, but as Kallis mentioned, 1. You are no longer liable as the loan has been claimed in bankruptcy, so they can claim off their insurance.
2.If they continue to do contact you, then you may have a viable reason to take the matter up with the OFT and FOS(financial ombudsman service), as really it is harrassment, which is the final one if needed, report them for harrassment under the protection from harrassment act.
Big Al
Insolvency examiner with the Insolvency service from April 2008 - July 2010.
If you need help completing SOA's(statement of affairs) or PIQ's(preliminary information questionnaire) if you've been declared bankrupt, or anything else and you're within 30 miles or so of Warrington, then please contact me via my contact details in the expert page for futher details"
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Still receiving correspondence re loan included in br
