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  • FIRST POST
    • fermi
    • By fermi 8th Mar 08, 11:52 PM
    • 39,280Posts
    • 47,110Thanks
    fermi
    Bankruptcy Credit Reference File Clean Up - Discussion
    • #1
    • 8th Mar 08, 11:52 PM
    Bankruptcy Credit Reference File Clean Up - Discussion 8th Mar 08 at 11:52 PM
    If you wish to discuss the "Clean up" of your Credit Reference Files and don't wish to start your own thread, then please use this thread.

    Thanks.
    Last edited by fermi; 20-07-2008 at 5:02 PM.
Page 59
    • Apple08
    • By Apple08 11th Feb 17, 2:51 PM
    • 2 Posts
    • 0 Thanks
    Apple08
    Can anyone help me?

    I was BR Aug 2011 discharged Aug 2012.

    I've paid £70 had my discharge certificate from court and sent a recorded delivery letter to my former creditors.Sine BR I have married and moved. So enclosed in my letter I supplied my marriage certificate original BR order from 2011. Discharge letter from the OR from 2012 and my recently purchased Cert of discharge from court.

    Lloyds have replied and said they've made the changes.

    Halifax have not acknowledged my letter and just sent a change of address form to go to the branch with ?.....

    Barclycard have not responded.

    I sent my letters to the customer service dept FAO Credit Control Officer.

    Can anyone give me the address for the CCO of Halifax and Barclycard please?
    • folkestonelisa
    • By folkestonelisa 18th Feb 17, 1:46 PM
    • 494 Posts
    • 370 Thanks
    folkestonelisa
    Hi, I'm at the final hurdle of clearing hubbies file up, but wanted to check. I have a tti spec acount that on Noodle is under the closed section. However, the default date and account end date are correct but the boxes underneath showing the d's for defaults are showing as defaulted up until January 2016. Does this make any difference?
    • MadMossy
    • By MadMossy 28th Feb 17, 10:36 AM
    • 4 Posts
    • 1 Thanks
    MadMossy
    Hi,

    First time posting on here but I have an issue with my bankruptcy.

    I filed for bankruptcy 1st Feb 2011, was promptly discharged a year later and as far as I was aware everything was ok. This year on the 1st Feb as expected my bankruptcy was removed from my credit reports which I obtained from the 2 main credit reference companies equifax and experian. 3 of the debts included with my bankruptcy are still listed on my report and show as outstanding and with a default status.

    They should have gone ages ago, thing is I no longer have the bankruptcy paperwork (moved several times its vanished) and have no idea what the account numbers were for the above 3 debts.

    No idea how to go about fixing this now as its past the 6 years point, do the insolvency service keep records after that time?

    Thanks in advance.
    • alltaken
    • By alltaken 28th Feb 17, 10:41 AM
    • 431 Posts
    • 250 Thanks
    alltaken
    Hi,

    First time posting on here but I have an issue with my bankruptcy.

    I filed for bankruptcy 1st Feb 2011, was promptly discharged a year later and as far as I was aware everything was ok. This year on the 1st Feb as expected my bankruptcy was removed from my credit reports which I obtained from the 2 main credit reference companies equifax and experian. 3 of the debts included with my bankruptcy are still listed on my report and show as outstanding and with a default status.

    They should have gone ages ago, thing is I no longer have the bankruptcy paperwork (moved several times its vanished) and have no idea what the account numbers were for the above 3 debts.

    No idea how to go about fixing this now as its past the 6 years point, do the insolvency service keep records after that time?

    Thanks in advance.
    Originally posted by MadMossy
    They do indeed.

    If you don't have the order, ask for a letter of discharge from the insolvency service - Email discharge.queries@insolvency.gsi.gov.uk Provide details of full name, date of birth, current and previous address, national insurance number and court reference number.

    The letter will be an attached PDF which you can print or email to former creditors.
    • MadMossy
    • By MadMossy 28th Feb 17, 11:16 AM
    • 4 Posts
    • 1 Thanks
    MadMossy
    They do indeed.

    If you don't have the order, ask for a letter of discharge from the insolvency service - Email discharge.queries@insolvency.gsi.gov.uk Provide details of full name, date of birth, current and previous address, national insurance number and court reference number.

    The letter will be an attached PDF which you can print or email to former creditors.
    Originally posted by alltaken
    Thanks, no idea what my bankruptcy reference number was though.
    • alltaken
    • By alltaken 28th Feb 17, 12:33 PM
    • 431 Posts
    • 250 Thanks
    alltaken
    You likely won't need it.
    • MadMossy
    • By MadMossy 2nd Mar 17, 11:19 AM
    • 4 Posts
    • 1 Thanks
    MadMossy
    So I have managed to get the information from the insolvency service and thankfully as expected one of the debts has already dropped off after the 6 year period, but I do seem to have an issue with Santander.

    I had an account with them that was 0 balance at the time of the bankruptcy and was included, but a default was registered on the account 7 months after my bankruptcy and a month after I was discharged despite me having nothing to do with them anymore.

    They are saying they cannot change the default date to that of my bankruptcy and that It has to remain on there until September 2017 when it will become state barred and drop off.

    As far as I am aware they cannot do this as the default date should be that of the bankruptcy which would be February 2011.

    Am I wrong or are they pulling a fast one.
    • fermi
    • By fermi 3rd Mar 17, 4:41 PM
    • 39,280 Posts
    • 47,110 Thanks
    fermi
    Hi, I'm at the final hurdle of clearing hubbies file up, but wanted to check. I have a tti spec acount that on Noodle is under the close section. However, the default date and account end date are correct but the boxes underneath showing the d's for defaults are showing as defaulted up until January 2016. Does this make any difference?
    Originally posted by folkestonelisa
    As long as it is marked as satisfied with that date being your discharge date, then yes that is ok.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

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    • fermi
    • By fermi 3rd Mar 17, 4:45 PM
    • 39,280 Posts
    • 47,110 Thanks
    fermi
    So I have managed to get the information from the insolvency service and thankfully as expected one of the debts has already dropped off after the 6 year period, but I do seem to have an issue with Santander.

    I had an account with them that was 0 balance at the time of the bankruptcy and was included, but a default was registered on the account 7 months after my bankruptcy and a month after I was discharged despite me having nothing to do with them anymore.

    They are saying they cannot change the default date to that of my bankruptcy and that It has to remain on there until September 2017 when it will become state barred and drop off.

    As far as I am aware they cannot do this as the default date should be that of the bankruptcy which would be February 2011.

    Am I wrong or are they pulling a fast one.
    Originally posted by MadMossy
    If the defaulted debt was one due to an obligation you entered into before the date of your bankruptcy, even if the debt accrued later, then it is a bankruptcy debt and Santander are obliged to backdate the default.

    Santander are a bunch of clueless *****s, so you may have to email the ceo@santander.co.uk (I think?) address and threaten taking them to the FOS and ICO to get them to comply.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
    • Apple08
    • By Apple08 4th Mar 17, 10:05 AM
    • 2 Posts
    • 0 Thanks
    Apple08
    Hi hoping for some advice.

    I was BR Aug 2011. In cleaning up before my 6yr anniversary in the hope of a clean slate.

    I have had success with every creditor apart from Barclaycard.

    I have sent two letters to them signed for (and I have the proof) including everything they could possibly need to mark the card as settled/satisfied but have had no response at all.

    Can someone please advise of the next steps I should take?

    Thanks in advance :-)
    • fermi
    • By fermi 4th Mar 17, 10:12 AM
    • 39,280 Posts
    • 47,110 Thanks
    fermi
    Hi hoping for some advice.

    I was BR Aug 2011. In cleaning up before my 6yr anniversary in the hope of a clean slate.

    I have had success with every creditor apart from Barclaycard.

    I have sent two letters to them signed for (and I have the proof) including everything they could possibly need to mark the card as settled/satisfied but have had no response at all.

    Can someone please advise of the next steps I should take?

    Thanks in advance :-)
    Originally posted by Apple08
    What was the 2nd letter? A final warning/reminder to correct it?And more than 8 weeks have passed since your initial letter?

    If so, then I would start a complaint via the FOS.

    http://www.financial-ombudsman.org.uk/consumer/complaints.htm

    asking them to write to Barclaycard

    and with the ICO as well.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
    • Nattster
    • By Nattster 7th Mar 17, 3:38 PM
    • 5 Posts
    • 0 Thanks
    Nattster
    Up tp date advice
    Hi, is the OP advice still current? I notice that it was posted in 2008. Have there been many changes since then? Can I still obtain a copy of my credit report for £2? If so, how?

    Many thanks
    Nat
    • super7
    • By super7 8th Mar 17, 12:37 PM
    • 63 Posts
    • 33 Thanks
    super7
    Hi all
    Been a while since I called on the services of this excellent resource (genuinely a mine of invaluable info and source of comfort and reassurance for all, at what is, let's face it, not an easy time).

    Anyway, enough of the smoke blowing =D.

    Since my discharge in November 2010 I've never got round to doing a file clean up. I know :-/ but I've never felt the need for any credit since then (lucky enough to have been in quite a well paid job, so been able to save and buy things outright). However, I'm now in a position where prospective employers will be looking at my credit record.

    So I've contacted Equifax/Callcredit and nothing is showing apart from my old Orange phone A/C, which then migrates to EE and my basic Co-Op bank A/C (a few searches by car insurance companies but purely for I.D. purposes). Can't get anything out of Experian at the moment 'cos their online service is down :-[ but assuming (hoping) this will be similar.

    So, my question is, given that I can see no record of any bankruptcy/bad debt, can I assume this has all been wiped, now that I'm well past the 6 year point or will anybody doing a credit check be able to see anything extra (I'm aware entries in "The Gazette" remain in perpetuity, should anybody be minded to look)?

    Thanks in anticpation.....

    Just as an aside, given the above, do you think it would be worthwhile approaching one of the major card providers to try and rebuild my credit score or would I be better of with the likes of Vanquish initially?
    Last edited by super7; 08-03-2017 at 12:40 PM.
    • fermi
    • By fermi 9th Mar 17, 4:49 PM
    • 39,280 Posts
    • 47,110 Thanks
    fermi
    Hi, is the OP advice still current? I notice that it was posted in 2008. Have there been many changes since then? Can I still obtain a copy of my credit report for £2? If so, how?

    Many thanks
    Nat
    Originally posted by Nattster
    Yes, and there are links here:
    http://www.moneysavingexpert.com/loans/check-free-credit-report

    the sections called "Your right to check your file (costs £2)"
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
    • fermi
    • By fermi 9th Mar 17, 4:51 PM
    • 39,280 Posts
    • 47,110 Thanks
    fermi
    So, my question is, given that I can see no record of any bankruptcy/bad debt, can I assume this has all been wiped, now that I'm well past the 6 year point or will anybody doing a credit check be able to see anything extra (I'm aware entries in "The Gazette" remain in perpetuity, should anybody be minded to look)?
    Originally posted by super7
    No, you see what they would.

    May be worth a punt with a credit card or a builder one, but just be careful not to overdo no. of applications.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
    • super7
    • By super7 10th Mar 17, 11:39 PM
    • 63 Posts
    • 33 Thanks
    super7
    Thank fermi. Knew you'd come up with the goods. Not planning on getting loads of credit, just thought I might get a card to consolidate my rating. Don't really need it, everything goes on the Mrs' B/Card and gets paid off in full (! to coin a phrase =D ) every month. Nice to know that the credit rating agencies et al have done the right thing and kept up to date though (Experian's in now and that's squeaky clean as well).

    Has to be said that overall the whole exercise has been relatively painless. If anybody's needing to do it (B/R) bite the bullet and get it done. Just make sure it's a lesson learned and an opportunity to turn over a new leaf. Don't go back to your old ways.
    • DCFC79
    • By DCFC79 11th Mar 17, 12:16 AM
    • 30,290 Posts
    • 19,161 Thanks
    DCFC79
    Thank fermi. Knew you'd come up with the goods. Not planning on getting loads of credit, just thought I might get a card to consolidate my rating. Don't really need it, everything goes on the Mrs' B/Card and gets paid off in full (! to coin a phrase =D ) every month. Nice to know that the credit rating agencies et al have done the right thing and kept up to date though (Experian's in now and that's squeaky clean as well).

    Has to be said that overall the whole exercise has been relatively painless. If anybody's needing to do it (B/R) bite the bullet and get it done. Just make sure it's a lesson learned and an opportunity to turn over a new leaf. Don't go back to your old ways.
    Originally posted by super7
    What on earth do you mean consolidate your rating ?

    Do you mean credit rating ?
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • teepee1
    • By teepee1 12th Mar 17, 12:12 PM
    • 3 Posts
    • 0 Thanks
    teepee1
    Hi all, been checking my Experian and Equifax reports as my six years since bankruptcy is nearly up. Generally both are looking tidy now, however I have details of one debt covered by my bankruptcy showing up on Equifax. It makes no reference to a Default Date, shows "Status - Settled" and "Date Satisfied - 03/01/15", however in the Customer Account Update, the Status is shown as a Partial Settlement, with Explanation - "Payment received as a full and final settlement although the payment would not fully clear the balance."

    I believe that this phrase may be indicative of a default/bankruptcy. My bankruptcy date was 11 Aug 11, and discharge date was 11 Aug 12, so I would expect details of my bankruptcy,and any debts included thereunder, to drop away from my credit reports on 11 Aug 17.

    My question is, if I leave the details of this old debt as it is shown, would the Partial Settlement Status and Explanation narrative have any impact on any credit applications I may make once the rest of my Credit Report is cleared up? Or should I contact the lenders for the debt described above to add a Default Date of 11 Aug 11 and amend the Date Satisfied to no later than 11 Aug 12, so that it drops away from my Report at the same time as my bankruptcy?

    Any help or advice would be greatly appreciated.

    Many thanks
    • super7
    • By super7 20th Mar 17, 11:38 AM
    • 63 Posts
    • 33 Thanks
    super7
    What on earth do you mean consolidate your rating ?

    Do you mean credit rating ?
    Originally posted by DCFC79
    Exactly. Can't see any reason for me needing credit in the future but you never know. I know from experience (I was an IFA in a recently past life) that having only your phone contract on your credit record doesn't exactly enhance your credit rating. Just thought a credit card operated as I currently use my debit card (ie with a balance clearing DDM) would be worthwhile at this stage.
    • CMcl12
    • By CMcl12 9th May 17, 3:21 PM
    • 9 Posts
    • 0 Thanks
    CMcl12
    Bankruptcy debt
    Hi guys looking some advice. I went bankrupt 2010. So I'm 6.5 years post bankruptcy. The mortgage I went bankrupt on and a credit card are still on my credit reports. I've made contact with both lenders to get them to change default date. I have a DCA chasing me for an overdraft. The overdraft was included in BR in 2010 and it was only £100. I've recently found old paperwork and a few DD came out of the overdraft current account post bankruptcy. I assumed the account would be frozen but it doesn't seem to have been. I had forgotten to cancel DD's. Also, there's about £300 of charges added on for DD bouncing and other charges. Is this my fault or the lender? Do I owe this money?
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