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 Forum Questions
 Hi help please. Im a discharged bankrupt and want to claim a PPI
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rabbit007
Junior Member



112 Posts

Posted - 26 August 2012 :  06:12:34  Show Profile  Visit rabbit007's Homepage  Reply with Quote
Hi help please. Im a discharged bankrupt and want to claim a ppi.will i get that money or will it goes to my or? The bank has issued a cheque but its on insolvency service name because they said im on currently on bankrupt.they have also deducted some money from the ppi claim to pay my outstanding balance loan.i called the bank and telling them i was discharged already from bankrupt.they ask me to send a certificate of discharge then they will able to put the cheque into my name.i am not really sure if i can get that ppi claim or will it go to my or. Many thanks

debtinfo
forum expert



2826 Posts

Posted - 26 August 2012 :  07:14:45  Show Profile  Reply with Quote
No the PPI claim belongs to the OR and the bankruptcy, you could get into serious trouble if you take the money, you should contact your OR immediately
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 26 August 2012 :  10:38:53  Show Profile  Reply with Quote
Totally agree with debtinfo. Get in touch with the OR so that you can get things sorted,
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pcoventry
Junior Member



United Kingdom
235 Posts

Posted - 26 August 2012 :  19:43:53  Show Profile  Reply with Quote
SO when your discharged they can still take things from you?
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 26 August 2012 :  19:47:48  Show Profile  Reply with Quote
Yes they can.
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pcoventry
Junior Member



United Kingdom
235 Posts

Posted - 27 August 2012 :  00:42:16  Show Profile  Reply with Quote
so why discharge someone?

How long can they do that for? Can they just nip up in 20 years time and demand it all from discharge till then?

that tell sme the debts are never actually written off which means the whole thing is advertised as a farce. If they can just pop up when your doing well and take things your never really debt free!

Edited by - pcoventry on 27 August 2012 00:43:19
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Viki.W
forum expert



United Kingdom
2211 Posts

Posted - 27 August 2012 :  06:48:32  Show Profile  Reply with Quote
They can only come after assets that were assets from before or during your bankruptcy pcoventry.

Once discharged, if you win the lottery, for example, they can't take that.

But PPI on debts from before the bankruptcy is an asset at the time of bankruptcy so can be claimed.





Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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Richard P
Senior Member



United Kingdom
1701 Posts

Posted - 31 August 2012 :  14:15:41  Show Profile  Reply with Quote
THE OR is now asking people at their interview about PPI claims

when you went BR you had aline drawn, your debts cant be brought forward and nor can the assets.

the temptation is to get "easy money" with the PPI, please dont as the OR will chase it is his money

Good Luck Richard,
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Skippy
forum expert



United Kingdom
3290 Posts

Posted - 31 August 2012 :  14:46:32  Show Profile  Reply with Quote
Please see the thread below for clarification regarding PPI.

http://bankruptcyhelp.org.uk/forum/topic.asp?TOPIC_ID=13688&SearchTerms=PPI

View my blog at http://skippy13.blogs.iva.co.uk/

The more I have to do with humans the more I think that the world would be a better place if it was run by animals.

Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side.
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