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Help Help,here Come The Bears....


toffeeman01
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Thought I'd try this as no one replied to my last thread...

Westcot are calling me every day asking to speak to my wife. That I can handle,knowing what I know now through this forum.

She was declared bankrupt (IVA) four years ago and discharged a year after that for 'good behaviour'

I have paid Debt Managers for those four years until I CCA'd them(via Call Serve),and they closed their account.

A welcome relief for me to have 3 months off the payments...but

My question is...Can they legally go after my wife even if she was made bankrupt and I agreed to pay the debt on the loan that we took out together. If not,can anyone tell me what my best course of action is...Thanks

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The first letter arrived the other day,addressed to my wife. Address verification or something along those lines.'If we do not hear from you by....we will assume the contact information is correct ' !

I 'm waiting for the first of many...

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The first letter arrived the other day,addressed to my wife. Address verification or something along those lines.'If we do not hear from you by....we will assume the contact information is correct ' !

I 'm waiting for the first of many...

 

Usual fishing trip from Wescrap, I would just ignore it, see what other rubbish they send if any.

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So you and your wife had a joint credit card/loan then your wife declared bankruptcy. You didn't, and continued paying.

 

If so then your wife can safely say get stuffed to Westcrap as the account would have reverted to you when she was declared B/R.

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Fast forward a couple of weeks and the first of many.....

Wescot 'have been instructed by our client' to collect the outstanding balance etc

Milady wanted to call them and tell them where to put it,until I told her the golden rule.

Would it be a good idea for her to send them a letter with her bankruptcy number.

Or is there another way of stopping them sending her letters...they obviously haven't done their homework.

Hoping someone can help....thanks

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