Thank you very much. That's just what I needed.

Hello Gavmoulds, From what I have learnt, this is a very common tactic from companies where debts have been included in a bankruptcy. As stated above, they have no legal powers to retrieve any money or possessions from you. They will as you are finding out, attempt to retrieve what they can. Have you checked your credit file recently? If not sign up to noddle, its free, and even though it may not be considered the best source of credit information, it will at least give you another perspective on what is happening. It will also show up if any debts that were included in your bankruptcy are stiil "live", and Noddle will offer free advice how to get this changed. You can of course use experian of equifax. In the short term, try not to worry about any companies that contact you regarding payment for debts that were included in your bankruptcy. Longer term, you need to be thinking about getting your credit file updated correctly, should this not be the case. Search on here for harassment letter templates, edit the letter and add details of your bankruptcy. Your case number, date and court should be sufficient to start with, and send away. If you keep getting them, reporting them to various bodies will also help. also request a copy of their complaints procedure. good Luck

Dear CAG, I filed for Bankruptcy in 2010. I am now a discharged bankrupt and have been for 18 months or so. I recently checked my credit report and I have found that 4 lenders have been marking my report with a default since the date of my bankruptcy. Speaking with the credit agency, they informed me that there now should be no record of these debts as they were part of the bankruptcy in 2010. Interestingly, these 4 lenders are posting monthly defaults for some very insignificant amounts, compared to the likes of Natwest which held my business account. There is no record of this at all. The 4 lenders that are posting monthly defaults are; HSBC credit card & bank, T-Mobile and Lloyds TSB Asset Finance. I have been given advice by the credit reference agency as follows: "The information included in your credit report is provided to us directly by the lenders so it would appear that the records have not been updated correctly at their end. As we are simply custodians of this data we are not able to make amendments directly to the information we hold here – the lender first needs to make the changes at their end. To get them to do this you will need to provide the lender involved with your bankruptcy discharge papers. They will then be able to update your account information. When they have done this your credit report will be updated with the changes the next time that lender provides us with account information. This is generally on a monthly basis so please be aware that it may be a couple of months before you see these changes on your credit report." I now intend to write to the four lenders as per the above advice. could anyone tell me what key information you think I should include in the letters to get them to action and respond? I look forward to reading replies/advice.

Hi CAG, I recently received a letter from the lewis group regarding outstanding ebay fees of £72.38. I have done some investigation and I found I owed ebay £56 from an old account that I couldnt remember the username for. I have now paid this, although I had already emailed the below letter to the lewis group, I have yet to send it via post and will do tomorrow. I assume the lewis group can not pursue me for their charges? if so can you advise the next steps. kind regards. RJWR. *PLEASE NOTE THIS COMMUNICATION WILL BE OFFICIALLY SENT TO The Lewis Group LTD VIA ROYAL MAIL SPECIAL DELIVERY.* 13/10/2012 REF: ****/******-Q2 RE:- eBay - £72.38 Dear Sir/Madam You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to eBay. I am are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. Take notice that I will not discuss this matter on the telephone, and all further communication must be in writing. Any further telephone calls and or home visits will be perceived as harassment, and dealt with accordingly. I also request a copy of your internal complaints procedure. I look forward to your reply. Yours faithfully *********** *PLEASE NOTE THIS COMMUNICATION WILL BE OFFICIALLY SENT TO The Lewis Group LTD VIA ROYAL MAIL SPECIAL DELIVERY.*

Thanks for the contact information.