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tracy_b
Junior Member
United Kingdom
457 Posts |
 Posted - 25 October 2008 : 22:34:11
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Hi,
I have just received a default notice from capital one. we were made BR on the 9th Oct. On this default notice it states they will not take me to court to get a judgement against me whilst the bankruptcy order is still in place. I thought that going BR meant the end to any debts. I am so upset! what did i go through the bankruptcy for, if these people are still going to come after me.
Please help
Tracy XX |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 25 October 2008 : 22:50:19
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Hi Tracy
I would send this straight to your or, and if you feel you need to phone them first thing on monday. Maybe there was an overlap in dates and maybe the or hasnt got round to informing them yet. As far as im aware you are protected by your br. I have received numerous letters from creditors this morning and have posted them off to or. I personally would phone capital one, but do whatever you feel will make you at ease
Good luck and let us know how you get on.
xx
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 25 October 2008 : 22:51:36
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Thanks Mark,
I cant tell how P....d off i am. I have never had a default notice before and dont know if this is how they all look. I honestly thought that being declared BR was the end of it all.
Thanks for your comments
Tracy XX |
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 25 October 2008 : 22:56:00
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Hi Jenny,
They know i am BR cause they list that as the breach that caused the credit agreement to end. I will phone my OR on monday i think. Thanks for the advice Jenny.
Take care
Tracy XX |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 25 October 2008 : 22:57:51
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They are certainly trying it on arent they - this is all you need.
Good luck and please try not to worry (easy for me i know).
xx
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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John
New Member
United Kingdom
73 Posts |
Posted - 26 October 2008 : 00:04:59
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Hi Tracy
you have nothing to concern yourself with here. Capital One internal procedures, and they are not alone, are clearly sadly lacking.You do still owe all of your creditors but they are legally bound to deal directly with the OR's office.
As per the other member's advice, inform the OR and leave him to deal with it. Your bankruptcy has acheived the most important thing, you will be debt free. Neither Capital One nor any other unsecured creditor can make any claim from you except from your estate which is now vested in the OR.
Incidentally, technically your debts are not written off until you are discharged.
www.Bankruptcyhelp.org.uk
0800 078 9367 |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 26 October 2008 : 09:04:36
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Tracy
I agree with John and the others.
I would contact your OR on Monday let them know verbally then post on any and i mean any and all letters like that to them. We are paying them to do a job and that job is to deal with our creditors now and not us.
There is nothing Capital One or any of the other creditors can do now, so sit back and relax.
LOL
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 26 October 2008 : 10:14:22
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Hi All,
Thanks to everyone for the advice. i feel a bit calmer today and will definately be phoning my OR tomorrow. This really isn't on!!!!
Tracy XX |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 26 October 2008 : 10:18:17
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Hi Tracy
You will still get the letters coming in and for a few more weeks yet im affraid.
They do eventually get the message. My creditors stopped sending after about 6 weeks so now i dont get anything :-)
Let us know how it all goes:-)
LOL
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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Edited by - Needafriend on 26 October 2008 10:19:03 |
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 26 October 2008 : 10:55:54
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Thanks Jo,
Whats going on with you. one minute your Needafriend/ Mother hen and the next your Jo? It was getting very confusing! LOL
Tracy XX |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 26 October 2008 : 10:58:24
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Hi Tracy
You will just have to wait and see;-)
Honestly, mate in a week or so it will become oh so clear!
Just dont worry about me using the other name as i wont be, its not me being a complete lunatic i was advised to do so, it really is a case of watch this space and you will see.
This is the fun part, no one knows, not even me!
LOL
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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please help. default notice
