I was made bankrupt 2 years ago, I recieved a letter yesterday from a company that has recently bought the debt i owe to a credit card company, why would they bother doing this as they cant come after me for the money can they? Im already paying £310pm to creditors. I also had another leter from abbey saying i still owe them £2500, surely they are not allowed to do this?
I take it these debts were from pre bankruptcy days? If so then they cannot come after you.
Speak to these companies and tell them that you have been made bankrupt.
The world is broken, halos fail to glisten We try to make a difference but no one wants to listen Hail the preachers, fake and proud Their doctrines will be cloud Then they'll dissipate like snowflakes in an ocean
Send the company that took over your CC debt a copy of your BR certificate explaining that you were declared BR 2 years ago.
The letter from Abbey will probably just be a statement. Even though the debt was included in your BR they are still entitled to send you a statement of the debt every 3 or 6 months. I get one from Abbey for the debt that was included in the BR and it just goes straight into the shredder.
As debtinfo mentions, cleaning up your credit file is worth doing to avoid these type of situations. Take a look at http://forums.moneysavingexpert.com/showthread.php?t=677875 for instructions. It doesn't take a lot of effort and avoids the situation you are in now with your BR debt being sold on.
made bankrupt 2 years ago, still being chased for debt
Posted - 17 June 2011 : 12:29:40
