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 So upset... why won't they leave me alone!!!
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Junior Member

United Kingdom
344 Posts

Posted - 30 October 2008 :  11:14:10  Show Profile  Reply with Quote
Hi Maizie

I hope that soon they will get the message and back off for you.

I do know how you feel, we go BR to stop all of this but it can take a while for the letters etc to get to the relevent depts and then by that time its caused so much stress that we wonder if it was worth it.

But it is worth it and i know that once those creditors finally get the letters from the OR then the calls and letters will stop and the postman will have a much lighter bag ;-)

Let us know how it all goes and do remember that when ever you need us we are all here for you :-)

Take care my friend



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!

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got there
Junior Member

United Kingdom
461 Posts

Posted - 31 October 2008 :  20:35:28  Show Profile  Reply with Quote
You could just call them and give them a fake landline number saying you have moved and want to update their records for your phone contact, they will update it and wont keep your previous one x
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bang up
New Member

58 Posts

Posted - 02 November 2008 :  10:57:51  Show Profile  Reply with Quote

just tell them to f''' off and walk away from the phone
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Reviva UK
Advanced Member

United Kingdom
2452 Posts

Posted - 02 November 2008 :  11:19:35  Show Profile  Reply with Quote
When we fend off these calls for clients I often ask the to quote the law that means that:

you have to pay , even after Br, etc etc et c.

they often struggle with this one.

Most important thing is NOT TO GIVE OUT YOUR PERSONAL DETAILS TO ANYONE ON THE PHONE. the banks recommend you don't so simply follow their advice.

Without your personal details being confirmed ( DOB , maiden name, what your pet had for breakfast and the colour of your undies etc etc etc ) then they are breaking the law if they discus the case with you.

simply ask them to put any request in writing and to remove your phone number from their system . Then forward the letters to the OR.

I have to say that the OR offices are " a little busy" at present so while they have to contact creditors in a specific time I suspect that it doesn't happen in every occasion.

We find it useful to write to all creditors the day after BR with a copy of the BR order and request that all further correspondance / calls etc be dircted to the OR at whichever office.

sometimes it doesn't happen but usually it works well.

Alternatively you can call the creditors - you will be put through to a completely different department who handle Br - where you will usually find the nicest most pleasant people you could emagine.

They thank you for updating them and wish you all the very best in your new start.

If only the banks used these people when chasing money. I suspect they would do rather better.

Paul Johns
Assisted Bankruptcy Specialists
Reviva UK

For a Free Impartial Review before taking the leap call me @ Reviva UK
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Junior Member

367 Posts

Posted - 02 November 2008 :  14:34:48  Show Profile  Reply with Quote
I can agree with what Paul said. I've been getting calls and letters from Next. When i spoke to them last i did tell them that i had already given them my OR's details and that they should be contacting them. They said that they hadn't had anything from them and they usually do within 2 weeks of BR. They very nicely put my account on hold for another month though, got a letter yesterday with more charges on!!!! I called my OR office who informed that they had only written to my creditors on 21st October I went BR on 18th September, so definitely a few delays going on.

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