Bankruptcy Credit Reference File Clean Up - Discussion

MissMuppet

Yeah that's what I thought fermi, what do you think I should do? I have an email address for the woman who sent the letter, maybe I should email her and say that exact thing!

fermi

MissMuppet wrote: »

Yeah that's what I thought fermi, what do you think I should do? I have an email address for the woman who sent the letter, maybe I should email her and say that exact thing!

I would do.

MissMuppet

fermi wrote: »

I would do.

Email sent... and I also quoted from the letter that if they don't update it within the 28 days I will be complaining to the Information Commissioner! Delivery report & read receipt also requested...

fermi

MissMuppet wrote: »

Email sent... and I also quoted from the letter that if they don't update it within the 28 days I will be complaining to the Information Commissioner! Delivery report & read receipt also requested...

May be worth checking with the ICO before you complain.

08456 30 60 60

A few people have had this lately, so will be handy for some other people to know what they say sooner rather than later.

Formal complaints can take months to get an answer. :rolleyes:

MissMuppet

Will do... hopefully it will give them a kick to get it done without the need to go any further!

MissMuppet

Ok, interesting email response from Next:

Dear Miss XXX
Thank you for your email. It is not the case that all debts are included in a bankruptcy. For example debts that weren't scheduled in time to allow to creditors to file a proof of claim or debts relating to credit obtained just before bankruptcy can be excluded. In fact there are over 15 categories of debt that are excluded from bankruptcy. At some point in the bankruptcy process a schedule of debts to be included in the bankruptcy would have been prepared either by yourself or your advisor. However as you are unable to produce this I will accept your email as confirmation that the Next Directory Debt was included and will make arrangements to have the date of default and date of partial satisfaction updated. I will write to you when this has been completed.
Yours sincerely
XXXX
Lawyer
Next Legal Team

fermi

We know that some sorts of debts are not discharged by a bankruptcy. Duhhhhhhhhhhhhhh! :rolleyes::rolleyes::rolleyes:

But ones from Next certainly are. :cool:

Evasive nonsense from Next, but the important thing is that they know they are in the wrong and have "caved in" in the final sentence.

MissMuppet

As I was reading I was thinking, oh flipping heck... but got to the last sentence and had to laugh!!

fermi

MissMuppet wrote: »

but got to the last sentence and had to laugh!!

You frequently do with Next. :rolleyes:

Actually, the phrase "Next Legal Team" is a joke in itself. :rotfl:

CherylOB

Hi,

Just a quick question..

I am aware that bankrupcy stays on your credit file for 6 years, but is that 6 years from date of bankrupcy, or 6 years from date of discharge?

Thanks,
Cheryl