I am looking for some urgent advice please.

I was made Bankrupt in January this year and everything went as explained with the Official Receiver contacting all of my creditors and as instructed I have been making the Payment Agreement figure each month to the nominated company.

However, my problems/queries are with the property that I own and the mortgage company and a second company that I have a secured loan with. (I have stopped making all payments to these companies since entering bankruptcy)

Since entering Bankruptcy, I have heard nothing from the mortgage company but the Official Receiver has assured me that they are aware and that they are in communication with them as my interest in the property now vests with them under the terms of bankruptcy.

On the other hand, I am still having daily contact from the secured loan lender via telephone and letter. I have accepted that the property will be repossessed and told them to proceed with this. They would then have to share the property sale funds with the mortgage company who I understand would take their share first as the majority lender. The Official Receiver has also confirmed that if there was then any shortfall then this would be covered under my bankruptcy as 'contingent liability'.

I repeatedly told them of this and finally they issued proceedings to repossess the property. However, I am still getting letters and calls threatening to enforce the order of possession and confirmation increasing fees onto their balance which I suspect is the reasoning for this course of action.

Should I be doing anything else than the above or just wait for them to complete proceedings and then let the Official Receiver take care of any shortfall as instructed?

Thanks in advance!