Hi Max, no I ve not yet contacted the receiver about them , they were incurred before i declared bankruptcy and yes they are as far as i know unsecured ..there is a debt that is secured against my home which dos not revert back to me for another 2 years (negative equity)...so there is a charge against the house but I don't yet know if either of these debts is one of those?
For clarity, I do have a charge against the house for a £4k debt but have not yet checked to see if that is one of these, I ve not contacted the receiver about these as I ve just received the letters which were in response to my supplying proof of discharge to have debts marked as satisfied on my credit file, and yes they will be pre bankruptcy as I ve not taken any loans or credit of any form since .
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