Bankruptcy Credit Reference File Clean Up - Discussion

fermi

Debts will still show as defaulted.

But they should also show they are settled with a default date on or before your bankruptcy.

One letter to a creditor covering multiple accounts is fine as long as you give details of them all.

The creditors have to change the files, and the should also change any incorrect info with call credit if it is there.

benjamin1234

fermi wrote: »

Debts will still show as defaulted.

But they should also show they are settled with a default date on or before your bankruptcy.

One letter to a creditor covering multiple accounts is fine as long as you give details of them all.

The creditors have to change the files, and the should also change any incorrect info with call credit if it is there.

Great stuff, Thanks Fermi!

I notice in the letter to the CRA's i have to enclose my Bankruptcy Order and my Discharge Notification, I am not sure exactly what these are and dont want to drag this out by sending the wrong forms off.

So the forms i have here are

1. Statement of Affairs (Debtor's Petition) Form 6.28 wich is pretty thick...Do i just send a copy of the front page of this as my "Bankruptcy Order" ?

2. EDNOT Form 6.82 wich is court sealed from the court i was made bankrupt at...Do i send a copy of this as my "Discharge Notification" or do i have to apply to the court for a different form?

Again sorry for the questions i really appreciate your help with this! :beer:

Many Thanks

Ben

fermi

1. No. You need a copy of the bankruptcy order that the court would have given you after you were made bankrupt. A single piece of paper. Form 6.30 in the top right corner.

2. That is good enough for confirmation.

benjamin1234

Excellent I have found the BO! Thanks so much again!

zebade

Is there a Pre formatted letter for those in a Protected Trust Deed. I was discharged last summer, I have just applied for my credit report on Equifax and Experian. I have been able to access Equifax and I have four out of my six creditors showing status Defaulted (for some reason Barclaycard is missing)

One thing i did notice was Lloyds TSB is listed twice when i only ever had one card with them. One is showing Settled, the other is showing Defaulted. The card number is different but everything else is identical.

Any help on this would be much appreciated.

GoonerGregg

Hello, does anyone know how I can remove, or satisfy a CCJ on my credit file from a debt that I owed to a friend?
The debt was included in my bankruptcy, and I am now discharged.
I cannot contact the person, and worry that this will mean I will have to wait the full six years to have it removed from my file(s).

Thanks very much for any help!

JustinCredibleGillespie

You will have to wait the full 6 years for it to drop off anyway. Maybe you could write to the CRA's and explain the circumstances.

I'm sure there will be someone with more experience along shortly that can give you advice on what to do.

Best of luck.

Dibs88

Hi all,

Trying to finish off my credit clean up, and whilst some of the creditors have been rather good in sorting it all out and updating, there is one sticky one, my mortgage provider.
My mortgage was included within my BR, this is currently held with my ex. The actual property was sold in negative equity, for which my OR had the hold of my half of the house, and approved the sale to go through. There is currently £9,400 outstanding balance. On sending the request letter for the clean up, along with evidence of the BR and discharge, they have since replied. They are saying that will not attempt to do anything in addressing my credit status, until they have received a letter from my trustee, showing my current statement of affairs. So the question to you....is the mortgage provide in their right to do this? or can I take this further against them?

bcljnk

Could anyone help....i sent off BR and discharge letter back in july to 3 companies who hadnt ammended my credit file, 2 of them have ammended quite a while ago, but bank of ireland still have not done it....what would my next port of call be????
I went BR in 09 discharge june 2010 so think its about time this was sorted as i will have DHs BR to sort quite soon as we are almost at the ££££ for it

fermi

Send a stronger worded reminder letter.

Give it 28 days more, and if they've still not updated the info then complain to the ICO.

Might also be a good idea to dispute the info through one of the credit reference agencies as well.