Bankruptcy Credit Reference File Clean Up - Discussion

silvano

Hi everyone
Followed instructions on the clean up thread ,got data control addresses from correct sights.All bar 2 have responded and put settled / partially settled on accounts so thats great.
The problem I have is with a sky credit card that was listed on my bankruptcy .The sky card was passed to capquest,capquest then registered it as default with all three agencies under the heading capquest- sky card, Wrote to capquest on discharge of my bankruptcy and they put settled on all three credit reference agencies INCLUDING CREDIT CALL, SO FAR SO GOOD.
However Credit Call have a 2nd listing for the same sky credit card under a different heading as Barclaycard Sol Fin & Sky Card and this is still showing as a default.
Despite 2 months and 10 different addresses I wrote to including the ICO data controller addresses I have had no reply.I have rang SKY card who told me I need to speak to Barclays, I rang Barclays who told me its a sky matter after persistence and a couple of india call centres I got an address from each which I wrote to and surprise no reply still default.
I then contacted call credit and asked them who had supplied the default info on Barclaycard Sol Fin & Sky Card they gave me a Barclays address, I sent the standard letter from your thread recorded delivery as always (now my 13th letter regards this ones sky card) and it came back to me unopened. I rang barclays India call centre who confirmed the address existed so I sent another recrded delivery letter this one I checked has been delivered 22/03/09 via tracking.
My concern is, have I got the correct address? before I go to stage 2 of the thread with a complaint as Barclays maintain its Sky problem but Credit Call have given me the below address as the providers of the default information =
Barclaycard Sol Fin & Sky Card
1234 Pavillion Drive
Northampton
NN4 7SG

Has anyone had a default under the heading barclay card sol fin & sky card , who did they write to. Anyone able to help I am going nuts with this.
ps discharged in november 2008 and thanks for all your help during bankruptcy.

silvano

Hi, just want to say a big thankyou to Fermi for the clean up post.
Finally satisfied the Sky card below on the call credit ,credit agency after alot of hassle getting the correct address see old post above.Had to write to them twice as 1st letter by recorded delivery was returned to me.

This is the address for the Data Controller if it helps anyone else.

Barclaycard Sol Fin & Sky Card
1234 Pavillion Drive
Northampton
NN4 7SG

Only the RBS but I will have to write to ICO as they still havent satisfied it and its been 3 months now.
Just to add got an easy cash account with Halifax and visa electron card.Things are getting better.

silvano

thanks for the link blind-as a-bat. Only RBS now to get satisfied .

Bens_Mom

Hi,
Im looking for some guidance, have read loads of your pages on here and am now reassing life - starting with my bankruptcy cleanup...

I went volentary bankrupt 26th June 2006 due to my health and disability, and discharged on 28th December 2006.

I hid from all of this for over 2 and a half years but decided it is now the time to get things sorted, have got a copy of my credit report from Eqifax in my hand -
I have the following outstanding...
Lloyds TSB Current Account - Defaulted
Max Recovery Hbos - Defaulted
HSBC PLC Credit Card - Defaulted


Ive printed off the template letter and will amend my details accordingly, but hpw do I find the correct addresses to send the letters to to get them actioned...

Is there anything else I need to do?? And is it 6 years that the actual bankruptcy order stays on file for??
Any advice and guidance greatly appreciated.
Laura x

debrag

usually there are address in your report for your creditors

mysterio_2

have a read here (this will guide you through what to do next including a list of addresses etc)

http://forums.moneysavingexpert.com/showthread.html?t=677875

And yes the bankruptcy will show on your credit files for 6yrs

Bens_Mom

debrag wrote: »

usually there are address in your report for your creditors

I did it online 2 days ago, printed it off last night but dont have any addresses, have scoured through every page

Bens_Mom

mysterio wrote: »

have a read here (this will guide you through what to do next including a list of addresses etc)

http://forums.moneysavingexpert.com/showthread.html?t=677875

And yes the bankruptcy will show on your credit files for 6yrs

Thanks, didnt know if these were still the addresses as they are from a while ago, But thanks, will give the list a go and find the creditors on there

fermi

Check for an up to date address here:

http://www.ico.gov.uk/ESDWebPages/search.asp

You don't need to fill in every box to search that. Just partial info will do.

Bens_Mom

Sorry another question, Where it says about your bankruptcy order, should the settled date be the discharge date? As mine hasnt been filled in.... Would it be the court who updates that or the Official Receiver...