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 debt not included in bankruptcy.
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jwmc77
Junior Member



United Kingdom
195 Posts

Posted - 26 March 2014 :  14:52:27  Show Profile  Reply with Quote
Hi everyone, we declared yourself br in march 2008 (best thing we ever done) today I received a letter from quick quid regarding a small loan we acquired before we went br, I'm sure I didn't include this in the br so am wondering if I would have to pay this.....we moved shortly after br and genuinely forgot about this, this is the first we've heard from them in 6 years!

MAC

jwmc77
Junior Member



United Kingdom
195 Posts

Posted - 26 March 2014 :  15:33:21  Show Profile  Reply with Quote
Sorry, it was 2009.

MAC
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 26 March 2014 :  16:19:19  Show Profile  Reply with Quote
Pretty sure that it would have been included. Don't reply to them and have a quick word with your original or to just check up.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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jwmc77
Junior Member



United Kingdom
195 Posts

Posted - 26 March 2014 :  16:46:50  Show Profile  Reply with Quote
Surely it would have only been included if I had declared it when I went br? Although I did have an old gas debt written off which wasn't declared on br forms.

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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 26 March 2014 :  16:48:55  Show Profile  Reply with Quote
Not sure - the other thing is not to acknowledge it. If you've not heard in six years then it should now be statute barred and they can only chase you if you acknowledge the debt.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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Viki.W
forum expert



United Kingdom
2211 Posts

Posted - 26 March 2014 :  17:51:17  Show Profile  Reply with Quote
If it was from before your bankruptcy then it's included whether it was on your form or not. If they are hassling you, just send them a copy of your bankruptcy order.

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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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 26 March 2014 :  17:53:22  Show Profile  Reply with Quote
That's what I thought Viki. Thanks for clarifying that.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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jwmc77
Junior Member



United Kingdom
195 Posts

Posted - 26 March 2014 :  18:47:36  Show Profile  Reply with Quote
Ok thanks, I think I'll just send a copy of the order without acknowledging the debt just to be on the safe side.

MAC
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 26 March 2014 :  18:51:51  Show Profile  Reply with Quote
Let us know what happens.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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jwmc77
Junior Member



United Kingdom
195 Posts

Posted - 15 October 2014 :  11:34:40  Show Profile  Reply with Quote
Ok so been a while now, have just recieved a letter saying they will be sending a doorstep collection officer to the door....can they do this? Is this not harrassment?

MAC
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 15 October 2014 :  11:53:16  Show Profile  Reply with Quote
I am sure that all of your unsecured debts will have been included. You do not have to speak to anyone if they do turn up.

If you printed off a copy of your discharge certificate then send a copy of this to the creditor.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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jwmc77
Junior Member



United Kingdom
195 Posts

Posted - 15 October 2014 :  13:34:02  Show Profile  Reply with Quote
Well thats the thing, the wife really doesnt want debt collectors at the door.
Are there no other steps you could advise?

MAC
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 15 October 2014 :  14:06:10  Show Profile  Reply with Quote
Speak to the company concerned and explain things to them.

A lot of the time it's just scare tactics.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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Viki.W
forum expert



United Kingdom
2211 Posts

Posted - 15 October 2014 :  15:37:40  Show Profile  Reply with Quote
Did you send a copy of your bankruptcy order? If so, did they reply?

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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