We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Bankruptcy Credit Reference File Clean Up - Discussion
Options
Comments
-
So I am going to start the big file clean up as been discharged just over 2 months now.
My question is I had 2 loans with Black Horse, both of which have got different defaulted dates, do I need to do 2 separate letters or can I put both account numbers on the one letter and send that?
Thanks!
As long as you make it very clear that the letter is regarding more than one account and you provide details of each, then one letter will do just fine.
I did a letter to one bank that covered 4 accounts. 2 credit cards, a loan and a current account.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Excellent, thanks Fermi!
That will save a little bit of postage0 -
Ok another question - started on hubbies now, the trouble he has had with Barclays Partner Finance is well documented on here and the FLA have now taken the case on for him. BPF have still not acknowledged he is BR to him, and are now messing the FLA around as well.
Rather unsurprisingly, but very disappointingly they have not updated his credit file, and are showing it as being in arrears still, with the little red circles going up a number each month.
Do we still send the letter to them anyway? regardless of the fact that the FLA (and FOS) are dealing with them at present?0 -
Do we still send the letter to them anyway? regardless of the fact that the FLA (and FOS) are dealing with them at present?
Why not?
It may well jolt them into action and/or force them to grasp the fact of the BR.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
I really don't know if it will Fermi!!
But I can try I guess, and when they don't bother to update (as I really am not convinced they will!) we can set the ICO on them as well!!0 -
i was granted a dro on the 4/6/09 and was discharged a yr later, now 6 of my old debts are showing as default, so following the template i have written letters and now i am wondering what i should enclude i.e the letter showing my dro number and/or the subsequent page showing all my creditors and amounts (naturally i would prefer to send the first page)
any help would be very very gratefully recieved0 -
How do I go about checking my file for wrong dates/information if I do not have a credit/debit card in my name?
I was declared bankrupt in 2007, discharged in 2008 (after servng the full year). Now Nationwide who I have had my cashcard only account with since then wont give me a debit card, and HSBC/Halifax will not grant me a new account.
I don't know how to check my credit file though as everywhere require me to have a credit/debit card in my name, this is most annoying.
Can anyone offer any advice please.0 -
There is the cashplus prepaid credit card, which you could use.
Or why not open a bank account with the co-op or Barclays, both of whom give a debit card with their basic accounts.0 -
stephan1e, just send the page showing the DRO and a copy of your discharge notice. They don't need anything else.0
-
There is the cashplus prepaid credit card, which you could use.
Or why not open a bank account with the co-op or Barclays, both of whom give a debit card with their basic accounts.
Thanks.
The Barclays site says debit cards are subject to status, and I am wary of applying to another bank for them to turn me down yet again.0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards