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maizie
Average Member
United Kingdom
566 Posts |
 Posted - 29 October 2008 : 13:58:55
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I was in an IVA from May 2007 until May 2008 when it failed because my circumstances changed. On the 15th August I went bankrupt and I had my interview on the 17th September and an IPA agreed. One of my creditors MBNA who changed to Max Recovery during my IVA has now passed its details onto Eversheds since my IVA failed. I had a call yesterday from a VERY rude lady who claimed I needed to pay Eversheds the oustanding money. I told her I was bankrupt and that I no longer lived at my previous address but couldn't give her my new address because it had been withheld by the court for various reasons.
She said very aggressively you HAVE to notify us by law of any address change blah blah blah. I stated again that I couldn't tell her, I gave her my bankruptcy number, my full name and which court and which date I went bankrupt.
She then started getting very heavy so I put the phone down on her. I did ask her to stop talking to me in that manner but she carried on.
I called my OR who said I done exactly the right thing that I didn't give her the new address, he said that Eversheds have obviously taken over the debt from Max Recovery just before bankrupty. He said that on the 30th September he sent to Max Recovery my bankruptcy report etc. He said Eversheds shouldn't be contacting me and that its up to them to contact Max Recovery to get that report as they obviously never passed it on. He said anymore problems give them his details and that I am now protected by the courts. If they wanted to take any further action it would be a total waste of their time and money.
Today I received another call from them from a man who was also VERY rude and said I need to get the OR to send them the report. I explained what the OR said and that they are to contact Max Recovery, he kept talking over me and not letting me finish. I got so upset I put the phone down again.
I thought all this would go away. Is there a chance they would find out my new address? On the newspaper advert and insolvency register it says that its withheld but I am now very worried. Also my aunt lives at my previous address, will they turn up there?
Please help!
Maizie |
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Nat
Junior Member
367 Posts |
Posted - 29 October 2008 : 14:37:15
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HI Maizie
I don't know what to say to help but i have a few choice names for these people who are calling you up, better not say on here though!
I wouldn't have thought that they would be able to trace you to your new address unless they go via the electoral roll register but there is a way that you can hide your details on there as well, I think anyway but i'm not sure. I would think that they may write to your old address i take it that your auntdoesn't know?
Can you change your telephone number, i know it's a hassle but if it stops these vultures it might be worth it.
Keep your chin up and try and smile. You don't deserve this, I wish i could say how to stop it for you, maybe one of the experts might know how.
Take care
Nat
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 29 October 2008 : 14:37:43
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Oh Maizie
These people are a nightmare. You stick to your guns mate and dont let them get to you, they are not worth it.
I would next time give them a fake number and say that you are changing your number and then that will stop the calls to your home etc.
If its your mobile then do the same give a fake number to them.
I did;-)
LOL
Jo
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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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kazy1
Junior Member
United Kingdom
120 Posts |
Posted - 29 October 2008 : 14:41:40
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Hi Maizie
is it possible to change your phone number bit of a bind but it might give you peace of mind.All they are are bullys with a job and you don't deserve this you are still human and need respect whatver your circumstances.
All the best
kazy1xxxx |
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kazy1
Junior Member
United Kingdom
120 Posts |
Posted - 29 October 2008 : 14:42:43
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Oo Jo you beat me to it!!! |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 29 October 2008 : 14:44:59
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Oh soz
I am so quick these days i would give road runner a good run for his money, LOL ;-)
Jo
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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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maizie
Average Member
United Kingdom
566 Posts |
Posted - 29 October 2008 : 14:46:29
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My aunt is aware of my bankruptcy but she is registered disabled so I wouldn't want anyone coming to the house and giving her hassle etc.
I registered on the electoral role just before bankruptcy so I could get a bank account but can't remember whether I opted for the edited version or the full version. Apparantly the edited version can be given to anyone who pays for it! So I guess Im not even safe with that!
Im in a contract with my mobile and as yet haven't had it cancelled and I would like to keep it that way. If I change my number I don't know if anyone would give me another contract.
They don't have a home telephone number as I don't have a home phone.
How do I get the hassle to stop?
Maizie |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 29 October 2008 : 14:48:57
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I would just give them a fake mobile when either they call you or you call them.
I did exactly that and it saved all the calls.
Jo
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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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maizie
Average Member
United Kingdom
566 Posts |
Posted - 29 October 2008 : 14:53:07
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I just called the electoral role... I am protected on that side of things as I opted out of anyone knowing basically!
But the creditor would still have my old mobile number and would try that again if they go no joy with the fake one surely? |
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Nat
Junior Member
367 Posts |
Posted - 29 October 2008 : 14:59:03
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HI Maizie
COuld you ask the mobile company you are with if they can change your number as you are getting a lot of crank calls for example?? No idea if they will or not but worth a try eh? Or you could get their umber blocked if you know it doesn't stop them from using another number to call you from though.
It will all go away eventually
Nat |
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maizie
Average Member
United Kingdom
566 Posts |
Posted - 29 October 2008 : 15:06:34
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I know what you are all saying and thank you for your messages. I guess I am just having one of those days, came out in a coldsore this morning... always get them when Im stressed!
I know they can't touch me, I gave them all my details, my bankruptcy number now so if they call I will just answer it and cut it off straight away.
Maizie |
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BankruptC
Senior Member
1030 Posts |
Posted - 29 October 2008 : 16:19:29
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Hey honey,
Just seen this now. Sorry you're feeling fed up with it all-they are awful, these people, and are just on a power-trip half of the time. I'd just not answer if I were you, unless you know who it is.
Just sending hugs-hope those 'people' leave you alone and you have a better day tomorrow.
Take care hon.
C. x |
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maizie
Average Member
United Kingdom
566 Posts |
Posted - 29 October 2008 : 16:47:21
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Awwww thanks petal ;o) xxx
Maizie |
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John
New Member
United Kingdom
73 Posts |
Posted - 29 October 2008 : 22:35:45
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Hi Miazie
if you've a mind to when they next call ask for their full name and contact number.
Then advise the caller that under the terms of Section 40 of The Administration of Justice Act 1970 it is a criminal offence to contact you regarding the debt having now been informed of your bankruptcy and that you will have no hesitation in calling the police if they call again.
If you google the act you will see the detail.
www.Bankruptcyhelp.org.uk
0800 078 9367 |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 29 October 2008 : 22:43:49
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quite often one finds that the collection teams are fully trained on collection techniques and how to control a conversation.
It would however be quite useful if they also had a small seminar on insolvency and what bankruptcy means.
so often people are told that they still owe the money and they have to make a payment.
Wonderful!
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
For a Free Impartial Review before taking the leap call me @ Reviva UK
www.revivauk.com |
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maizie
Average Member
United Kingdom
566 Posts |
Posted - 30 October 2008 : 09:03:11
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Thanks John... I will do just that! x
Maizie |
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So upset... why won't they leave me alone!!!
