Bankruptcy Credit Reference File Clean Up - Discussion

fermi

ladyday wrote: »

When I start my credit file clean up do I still need to quote the extract from the Information Commissioners Guidance in the letter if the letter relates to a DRO ending and not a bankruptcy ending?

If not is there any substitute guidance I should add to the letter that relates to a DRO instead of bankruptcy? thanks.

Not really any additional guidance to add.

The ICO says that those principles apply to other formal insolvency proceedings, which a DRO is.

So either leave off those, or add a note to say that the ICO has advised that they correspondingly apply to the making and discharge of a DRO.

fermi

KatieS73 wrote: »

Hi all,
I'm now discharged, and my IPA is done!
I sent off all my clean up letters and have waited over two months to see how many take action. All but RBS and Vanquis have done so.
What's my next move?

Thanks

Send a 'reminder' as per the link 2 posts back.

stann01

just another thing, during cleanup i sent off all the letters to all creditors, all but 3 have the correct details on my report :mad:

cahoot, barclays and mint all have default dates for early 2007

when my br is dated 5/12/2006.

is it worth doing the second letter to them to try and correct the errors?

i know its only a few months but even so..........

jasper1984

A few experiences that could help someone on here. I called my debtors and most were quite happy to discuss credit reporting with me.

MBNA (Virgin credit card):

They started off saying the debt had been sold on to Experto and it was therefore not up to them to update my credit file. I told them that Experto had updated their entry, but only MBNA could update the MBNA entry. After a while, I got through to a lady called Tammy in their Insolvency Team. She said even though they still REPORT to all three agencies, her office only has ACCESS to view Call Credit. She said as Call Credit was OK, she couldn't update. She then said if I emailed her a screen shot of my Equifax or Experian showing the entries still marked as 'Defaulted', she would update the records. So I did and she did! Easy! The Insolvency Team's direct line is 01244 673175.

Experto:

Called on 0118 952 5300. Got through straight away and they promised to update within 28 days. Almost seemed too easy....Time will tell.

Debt Managers Ltd:

Called on 0131 2705400. Exactly the same as Experto. Very easy.

Only Bank of Ireland asked to see proof of discharge. I spoke with their 'Legal Administration' unit. Nice enough bloke. He had my discharge date as 2014 when this was, in fact, the end of my BRU. I'm posting proof of discharge tomorrow.

I'd recommend calling to be honest. Saves a lot of time and money compared to posting off letters and you actually have a name that you can call back and blame should they not update.

dojoman

Bump.........................

fermi

stann01 wrote: »

is it worth doing the second letter to them to try and correct the errors?

i know its only a few months but even so..........

Probably not. Unless you anticipate that month or so making a huge difference to you.

StudentCaptain

Hello, im just recieved my free credit report from CreditExpert

I need to contact Northern Rock, but they are no longer in business, what do i do?

dojoman

StudentCaptain wrote: »

Hello, im just recieved my free credit report from CreditExpert

I need to contact Northern Rock, but they are no longer in business, what do i do?

I would still send it to the address below:)


NORTHERN ROCK HOUSE
GOSFORTH
NEWCASTLE UPON TYNE
NE3 4PL

didaiva

Santander - Credit File Clean up following IVA Completion
Hi,

Earlier this year I completed an IVA and thought I had got my credit file sorted out. i.e.

I got all defaults backdated to the date of my IVA, I got the IVA marked as completed with all 3 CRAs and my details off the Insolvency Register.

Everything was looking ok up to last week when Santander decided to DEFAULT me AGAIN on a DUPLICATE of the original account at the CRA. Copied below are the records from Experian and Equifax

Call Credit have still got the old details for now.

Can anyone offer any advice on what I need to do to get this cleared up properly and stop Santander from doing this again. I only got alerted to this error when I picked it up with the £1.99 alert monitoring service which Experian offer.

Experian - Correct entry - Correct Default Date

Entry Number:C5

SANTANDER UNSECURE...
Account type: Loan
Started: 17/11/2004
Current Balance: Satisfied
File updated: 27/05/2011
Special Instruction Indicator: Debt Assigned
Special Instruction Start Date: 01/07/2007
Default Balance: £8,522
Repayment Period: over 96 months
Monthly Payment: £102
Defaulted On: 24/03/2006
Status history:
Last updated: 27/05/2011
8
Note: A defaulted account is removed from your report after six years whether or not you have paid the debt in full. If you have paid some of the debt off, the balance should show how much you still owe.

Experian - New Entry Incorrect Default Date

Entry Number:C4

SANTANDER UNSECURE...
Account type: Loan
Started: 17/11/2004
Current Balance: Satisfied
File updated: 20/11/2011
Default Balance: £8,522
Defaulted On: 08/06/2006 - INCORRECT
Status history:
Last updated: 20/11/2011
8
Note: A defaulted account is removed from your report after six years whether or not you have paid the debt in full. If you have paid some of the debt off, the balance should show how much you still owe.

Equifax - Correct Entry

Loan from Santander Unsecured Loan (I) / XXXXXXXXXXX7870
Terms 96 @ £ 102 (Monthly) Status Settled
Current Balance £ 0 Start Balance £ 0
Credit Limit £ 0 Default / Delinquent Balance £ 8,522
Start Date 17/11/2004 Date Updated 22/07/2007
Date Last Delinquent Date Satisfied 22/07/2007
Default Date 24/03/2006
Payment History
This table shows how you have kept your account over time, for infomation about individual months pass your mouse cursor over the coloured block
J F M A M J J A S O N D
2007 Satisfied
2006 Danger Danger Defaulted
2005 Satisfactory Satisfactory Satisfactory Satisfactory Satisfactory Satisfactory Satisfactory Satisfactory Satisfactory Warning Warning Warning
2004 Not Updated Satisfactory Satisfactory Satisfactory Satisfactory
Customer Account Update
Status Explanation
DEBT ASSIGNED The account and liability has been transferred to another company.

Equifax - Incorrect Entry

Loan from Santander Unsecured Loan (I) / XXXXXXXXXX5787
Terms 96 @ £ 0 (Monthly) Status Settled
Current Balance £ 0 Start Balance £ 0
Credit Limit £ 0 Default / Delinquent Balance £ 0
Start Date 17/11/2004 Date Updated 20/11/2011
Date Last Delinquent Date Satisfied 27/10/2011
Default Date
Payment History
This table shows how you have kept your account over time, for infomation about individual months pass your mouse cursor over the coloured block
J F M A M J J A S O N D
2011 Satisfied
Customer Account Update
Status Explanation
PARTIAL SETTLEMENT Payment received as a full and final settlement although the payment would not fully clear the balance.

I'm concerned about this one as there is NO DEFAULT DATE only a SATISFIED DATE and potentially this record could stay on my file until 27/10/2017 - That's 12 years!!!!

How do I MAKE Santander remove duplicated records and ensure they don't register duplicate records again?

didaiva

Also in the previous post it says

Special Instruction Indicator: Debt Assigned - for Experian Report

Should this still show, after debt was included in satisified IVA.