When I filed bankruptcy in March 08, 99% of the debts were bank and credit card related. I owed nothing to energy suppliers.
Now I've received two letters from Scottish and Southern group about two refunds I was paid after selling my property in Aug 07.
They now claim (to the penny) that both refunds need to be repaid immediately despite there being no previous correspondence to my old address in the past
They must have used their records my new account with them which was created Feb 08.
They repaid me a total of £225.00 to my bank for Direct Debit over-payment of my accounts and said I owed nothing. It's nearly 18 months since they balanced their books with me and seven months before my bankruptcy.
Can they:
1. Demand the refund back when it was calculated correctly with accurate figures?
2. Transfer the "so called debts" to my account at my current address?
3. Issue a summonds as they threaten?
4. Pass it to Collection Agents?
5. Make it difficult for me to obtain an account if I move home in three months time?
Up to this point I have not mentioned my bankruptcy as they were not involved at that time as I owed them nothing.
The debts would have been captured under your bankrutpcy proceedings, so I suggest that you refer them to the Trustee who handled your case to sort out.
Reply to MelanieGiles.
As I explained in my question, these were refunds to me after overpayments NOT DEBTS.
This company not mentioned in the bankruptcy as they said I owed NOTHING to them. They repaid me
As I said in my post - if they are rightly due to recover money which was paid to you prior to the bankruptcy in error, then they are debts which are left behind under those proceedings.
