Bankruptcy Credit Reference File Clean Up - Discussion

Start_a_new_journey

Ok sorry have another quick question.

On my Credit file I am showing an active account that was included in my bankruptcy and this is also showing an active default.
The same said company has also registered a CCJ against me at northhampton court but one month after my bankruptcy.
I assume they can't do this and am I able to get this removed completely by contacting the court with the relevant info?

The company is C L finance aka GE money Aka Lewis financial.

poorwifey

will try sending discharge notice direct.he also mentioned it should be automatic for creditors to update my credit report.
but after reading some of your stories i`m not convinced he is right

will let you know the outcome

xx

Start_a_new_journey

Start_a_new_journey wrote: »

Ok sorry have another quick question.

On my Credit file I am showing an active account that was included in my bankruptcy and this is also showing an active default.
The same said company has also registered a CCJ against me at northhampton court but one month after my bankruptcy.
I assume they can't do this and am I able to get this removed completely by contacting the court with the relevant info?

The company is C L finance aka GE money Aka Lewis financial.

Just to let folks know if your file shows a CCJ registered after your Bankruptcy you can petition to have it removed yourself if you supply form N244 and a copy of your bankruptcy and a payment of £75.

This is if you can't get the creditor to play ball and remove it themselves. The courts have no power to make them do so.

Iv been a busy bee on the phone today!

fermi

Start_a_new_journey wrote: »

This is if you can't get the creditor to play ball and remove it themselves. The courts have no power to make them do so.

Some people here had had their OR sort it for them, without having to stump up the £75 fee.

Allegedly anyway. Got to be worth asking at least. :cool:

Start_a_new_journey

fermi wrote: »

Some people here had had their OR sort it for them, without having to stump up the £75 fee.

Allegedly anyway. Got to be worth asking at least. :cool:

I tried the creditor again today C L finance instead of GE direct (same company mind) and they have actioned everything over the phone no letters to write.
Guy was most helpful, told me to wait 45 days before checking again and gave a reference number if there is problem after this! top stuff so CCJ removed.
Encouraged by this I called every other creditor who i had an issue with on my report and got everything sorted over the phone. I even got an apology from picture finance for there slackness!!

The only company giving me grief is lloyds so iv cut and paste the letter from the sticky and will be sending it later today via recorded delivery.
I feel pretty good today and am still blown away at just how amazing and helpful this forum is. Big thanks....:T

the_puds

I went Bankrupt on the 10th September this year. Should i start checking my CRF's now? or wait untill i am discharged? Can i make any difference to my CRF's untill i am discharged anyway?

fermi

the_puds wrote: »

I went Bankrupt on the 10th September this year. Should i start checking my CRF's now? or wait untill i am discharged? Can i make any difference to my CRF's untill i am discharged anyway?

Personally, I would just wait until you are discharged. You won't be able to get anything marked as settled until you are, so you may as well do it all at the same time later.

poorwifey

hi there
when forms ask if your registered bankrupt eg for opening a basic bank account .? am i right after i am disharged this does not apply?
bit simple when it comes to these things

thanks for your help

philnicandamy

if any form asks "have you ever been bankrupt" then you have to answer yes

if the form says "are you bankrupt" then you answer no.

if its a basic account your trying to open most banks will ask for proof of your disharge anyhoo

hughie278

How am i supposed to get my credit reports from experian and equifax when you need a visa,mastercard,solo and something else in YOUR NAME ONLY.

I have no bank account as of yet, and if im turned down, ill be a bit stuck. I can however use a family members card if it would let me