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 Now being hounded by a creditor after discharge from bankruptcy
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Starting Member

25 Posts

Posted - 29 May 2014 :  09:44:16  Show Profile  Visit Pam.rg's Homepage  Reply with Quote
hi have not asked a question in 2 years. discharged from bankruptcy 1yr ago but now being hounded by debt collector for loan taken out 5yrs ago. this was on the bankruptcy sheets. can they still ask for payment after discharge? apart from this all went very well and back in charge of finances

forum expert

United Kingdom
2211 Posts

Posted - 29 May 2014 :  10:53:21  Show Profile  Reply with Quote
Hi Pam,

No, they can't ask for payment, send them a copy of your bankruptcy order and tell them to stop hassling you.

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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forum expert

United Kingdom
565 Posts

Posted - 29 May 2014 :  11:00:46  Show Profile  Visit Blackie's Homepage  Reply with Quote
Hi Pam.rg

I am so pleased that your bankruptcy went ok and that you have come out of the other end unscathed.
Some creditors do try it on and the debt for which you are being hounded would have been written off in the bankruptcy. Neither the creditor nor any debt collector has the right to pursue you. The best thing that I can suggest is that you inform the creditor of your discharge from bankruptcy and politely tell them that they are not allowed to harrass you and the debt has been written off. If this does not have the required effect, tell the Official Receiver that you are still being pursued.

For help and advice on the easiest and most effective way to a debt free future, please telephone me on FREEPHONE 0800 298 0253
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United Kingdom
4590 Posts

Posted - 29 May 2014 :  11:07:36  Show Profile  Reply with Quote
Hi and welcome.

If they insist on continuing to contact you then send either a copy of the original bankruptcy order as Viki suggests or a copy of your discharge.

They can do nothing to you.

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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Junior Member

230 Posts

Posted - 29 May 2014 :  23:45:08  Show Profile  Reply with Quote
Hi Pam

I can only echo the comments here already. I don't get creditors contacting me anymore (and when they did I did as you have been advised)

I understand it is a criminal offence to chase a debtor after being informed they have been made BR and provided with a copy of the court order

The problem I have is 1 creditor refusing to acknowledge the BR and "reviewing my account" as they still believe they can get something from me.

Blackie's so right in that respect. I don't know what to do but I hope one day they will see sense and drop it.
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