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qlj
Junior Member
United Kingdom
178 Posts |
 Posted - 19 May 2009 : 17:34:57
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I was discharged from bankruptcy almost a year ago, in June 2008. Before filing, I closed a small limited company and, informed the banks and closed the accounts, over a year ago. A couple of weeks ago, I received a statement from one of those bank accounts, a business savings account, telling me that I had received interest and had a bank balance of £210, which came as a bolt from the blue, because I was certain that I had closed all the accounts and asked the call representative to ensure that no further accounts were open in the business's name prior to bankruptcy. I contacted companies house, explained the situation, and they advised that I should contact the bank and ask for the account to be closed and the balance to be forwarded to myself. The call representative explained that for such a small amount of money companies house would show no interest.
The question I wanted to ask is whether I should also contact the OR and explain about this continuing bank account. My case has been closed for almost a year and I'm wondering if telling them will dredge up more trouble for myself, if it's better to leave sleeping dogs to lie, or if even they would be interested in a little over £200, or if it would be sensible or necessary to explain the situation to them.
Many thanks. |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 19 May 2009 : 17:50:30
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Have you been discharged early from the BR? If not then you are still officially BR until June 2009 so you are legally obliged to mention the account and balance to the OR although the chances of them finding out are negligible.
You could leave it as it is and not mention anything and, if the OR finds out, just say that you didn't receive the statement and had closed the account last year.
As you haven't heard from the OR for almost a year I would be inclined just to leave the account as it is.
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Edited by - gettingoutofdebt on 19 May 2009 17:51:07 |
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qlj
Junior Member
United Kingdom
178 Posts |
Posted - 19 May 2009 : 17:56:08
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quote:
Originally posted by gettingoutofdebt
Have you been discharged early from the BR? If not then you are still officially BR until June 2009 so you are legally obliged to mention the account and balance to the OR although the chances of them finding out are negligible.
Yes, I was discharged early. I filed for BR and was made BR in October 2007 and discharged in June 2008. |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 19 May 2009 : 18:27:28
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| Then I would just leave it and, if the OR does contact you, just claim that you didn't receive the statement and closed the account when you declared BR. |
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qlj
Junior Member
United Kingdom
178 Posts |
Posted - 20 May 2009 : 11:57:05
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quote:
Originally posted by gettingoutofdebt
Then I would just leave it and, if the OR does contact you, just claim that you didn't receive the statement and closed the account when you declared BR.
The problem is that I've already closed the account and told the bank to make a cheque out in my name. Maybe I should've sought your advice first, but I didn't want a business bank account open for a closed limited company, just in case... |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 20 May 2009 : 12:21:09
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As getting out of debt has stated, i would not bother to inform the OR you are now discharged and have no legal responsibility to do so. in the whole scheme of things it is not a lot of money, enjoy it!
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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qlj
Junior Member
United Kingdom
178 Posts |
Posted - 20 May 2009 : 14:22:12
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quote:
Originally posted by Melanie.n
As getting out of debt has stated, i would not bother to inform the OR you are now discharged and have no legal responsibility to do so. in the whole scheme of things it is not a lot of money, enjoy it!
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
Many thanks for your advice, Melanie. I spoke to the OR anyway. I hate leaving loose ends and don't like to play Russian Roulette with government agencies. The OR said much the same thing as you. Their representative explained that I'm discharged and that for such a small amount of money, they're not interested in pursuing the matter, and that I didn't need to send them the money. My mind is put at rest, which matters more than the £210. |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 20 May 2009 : 14:39:23
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Well done, now try to use the money to buy yourself something nice, don't just use it on bills - it is an additional amount, treat yourself!
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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I was discharged from bankruptcy almost a year ago
