REFUND OF BANK CHARGES AFTER DISCHARGE OF BR

[pm.e]

Hi

I have just realised that a bank owes me over £2000, from what was a refund of bank charges, during my BR.

I am now discharged with no IPA, or other restrictions. They said that they were going to pay to my OR, but DIDNT!

Is this money mine now, and can I claim it from them??

many thanks,

[Julie]

Hi - how do you know the bank didn't pay the charges direct to the OR? If it was a condition of your BR, then I would ask the OR for confirmation. Even though the BR is completed, I would just double check.

Maybe one of the experts can confirm?

[pm.e]

Hi,

I checked with my IP, no payment made.

no condition of BR,??

Is it mine??

[Julie]

I would check with the Official Receivers office as these were in control of your BR - better to be safe. Hope it does turn out to be yours to keep.

[pm.e]

Hi,

How would you word it?
Just say that you are to receive some repayment of bank charges?

many thanks

[Julie]

Something on the lines of......." I was discharged form BR on ***** and have completed my IPA payments.I have received bank charges due to me and want to confirm the OR has no interest in these monies."

[MelanieGiles]

If the money was due to you at a time whilst you were undischarged, it should be paid to your Trustee for the benefit of all creditors.

[pm.e]

Hi,

I had no IPA Payments or orders, discharged in full after one year.

hope that helps?

[MelanieGiles]

That makes no difference. If you were entitled to the money at the start of the bankruptcy, or at a period that you were undischarged, the money should be paid to the Trustee.

[pm.e]

Hi Melanie,

What if I said the charges were applied WAY BEFORE bankruptcy?

[MelanieGiles]

It doesn't matter when the charges were applied! It matters that you became entitled to the money either before or during the bankruptcy, and if this is the case then your Trustee is entitled to receive the money and pay it over to your creditors.

[Julie]

So Mel, the poster would have to advise the OR? Thats what I thought.

[MelanieGiles]

Absolutely correct Julie.

[pm.e]

aw, ok.

but if he doesnt want it???

[:D]

[MelanieGiles]

Then he will tell you to keep it no doubt.