Bankruptcy Credit Reference File Clean Up - Discussion

empty_wallet_2

Ok I've written to Lloyds re the incorrect default date and also them re-activating a debt 3 years after I went BR and also raised a dispute via the 3 CRA and had a reply from Experian tonight saying the following:


I'm writing in relation to your recent query with:

*Lloyds Bank plc (Exd TSB Bank) (Account started on 14/04/2004)

They've told us that you should contact Max Recovery as account held with them.

Their contact details are:

Lloyds Bank plc,
CDR Data Quality Team,
Queens Road Quadrant,
1-5, Queens Road,
Brighton,
BN1 3XJ

If you have any documents to support your query, you may wish to send these to them as well.

In the meantime, I?m afraid I can't make any changes to the information. But don't worry, if they send us any further instructions, we will do as they ask.

Our standard dispute statement will be removed from this information shortly. If you'd still like there to be a dispute statement on this information, I can add the following:

"The consumer has disputed the accuracy of this entry. Given that this data is disputed, please take care if making an assessment of any kind that may include this data."

Please let me know if you'd like this statement to be added to your report, where it will stay until you ask us to remove it.

---

Surely my debt was with Lloyds and was included in my SOA when I went BR, they were informed of my BR etc and shouldn't have sold it on to Max recovery, they never let me know that they had sold it on and if so surely the debt should be in their name on my credit file and not still being shown in Lloyds name?


The address they show looks like its for Lloyds and not Max recovery?


What do I do now?

hvhv

Hi
I need a bit of help... I made the decision to go BR after my ex stung me with debt before divorce 5 yrs ago.. Then in 2013 she had the audacity to get her divorce solicitor to get 2 CCJs on me to pay her legal bill!!... In total, £30k of credit card/overdraft and £6k in CCJs.


I was AD May 2014 and want to start rebuilding my credit file as it was flawless prior to divorce. I am aware it takes a few months for the credit agencies to update the various institutions but my question is how do I get the CCJs to be satisfied as they were incorporated in the bankruptcy? Communication with the ex is still extremely frosty and she hasn't spoken to me in over 2 years.


Thank you...


H

fermi

CCJs run on different rules.

http://www.legislation.gov.uk/uksi/2005/3595/made

(3) Where it comes to the attention of the appropriate officer that the debt has been satisfied more than one month from the date of the judgment, that officer shall send a request to the Registrar to endorse the entry as to the satisfaction of the debt.

and

“satisfied”, in relation to a debt, means that the debt has been paid in full, and “satisfaction” is to be construed accordingly;

Now when included in a bankruptcy, it has NOT been paid in full, so if they stick to the letter of the regulations it cannot be marked as satisfied.

If it is from the before the bankruptcy then the CCJ drops off before the BR does, satisfied or not, and until it does the BR is the worse item on your report, so it really doesn't matter much.

georgiasmum

just a quick question. I have a ccj (disputed and never resolved) from 2011 and all my other defaulted accounts are 2011. Will they drop off as per the normal 6 years or will they start again from my BR dated 2 days ago?

fermi

They will still drop off 6 years from the original date. So 2017.

hvhv

I realise my 1st post is a bit mumbo jumbo so to simplify, my ex amassed £30k in debt which I was forced to undertake as I was the main household income and then in March 2013 I got 2 CCJs for her legal bill. She also got a court order forcing me to sell the home and she took all the equity. As a result, I had nothing left and decided to declare myself bankrupt in May 2013 from which I am now discharged.


Like I posted before, there is no way my ex is going to play ball and the CCJs was the 'straw that broke the camels back', so to speak.


My query was that all the credit cards/ overdrafts would be marked as satisfied or words to that effect, but what would happen on the CCJs? Would they be marked as satisfied/ quashed etc.etc.


Once again, thank you.


H

hvhv wrote: »

Hi
I need a bit of help... I made the decision to go BR after my ex stung me with debt before divorce 5 yrs ago.. Then in 2013 she had the audacity to get her divorce solicitor to get 2 CCJs on me to pay her legal bill!!... In total, £30k of credit card/overdraft and £6k in CCJs.


I was AD May 2014 and want to start rebuilding my credit file as it was flawless prior to divorce. I am aware it takes a few months for the credit agencies to update the various institutions but my question is how do I get the CCJs to be satisfied as they were incorporated in the bankruptcy? Communication with the ex is still extremely frosty and she hasn't spoken to me in over 2 years.


Thank you...

H

fermi

hvhv: Already answered you in post #1005 above.

1goal

A general credit file cleanup is useful - I noticed errors on mine which were good to get fixed. Therapeutic!

Rrushi_Shqiptar

Equifax seem to be running a few weeks behind the other two agencies in updating CCJ's that have been satisfied, this has been confirmed by the Registry Trust Ltd themselves who have a lot of calls asking if they have informed Equifax. They do and they do it electronically.

Rrushi_Shqiptar

hvhv wrote: »

I realise my 1st post is a bit mumbo jumbo so to simplify, my ex amassed £30k in debt which I was forced to undertake as I was the main household income and then in March 2013 I got 2 CCJs for her legal bill. She also got a court order forcing me to sell the home and she took all the equity. As a result, I had nothing left and decided to declare myself bankrupt in May 2013 from which I am now discharged.


Like I posted before, there is no way my ex is going to play ball and the CCJs was the 'straw that broke the camels back', so to speak.


My query was that all the credit cards/ overdrafts would be marked as satisfied or words to that effect, but what would happen on the CCJs? Would they be marked as satisfied/ quashed etc.etc.


Once again, thank you.


H

hvhv wrote: »

Hi
I need a bit of help... I made the decision to go BR after my ex stung me with debt before divorce 5 yrs ago.. Then in 2013 she had the audacity to get her divorce solicitor to get 2 CCJs on me to pay her legal bill!!... In total, £30k of credit card/overdraft and £6k in CCJs.


I was AD May 2014 and want to start rebuilding my credit file as it was flawless prior to divorce. I am aware it takes a few months for the credit agencies to update the various institutions but my question is how do I get the CCJs to be satisfied as they were incorporated in the bankruptcy? Communication with the ex is still extremely frosty and she hasn't spoken to me in over 2 years.


Thank you...

H

As Fermi said, unless paid in full they will not be marked satisfied, even if they are part of a BR