Bankruptcy Credit Reference File Clean Up - Discussion

john1002

You cant get a CCJ amended, the only way is to pay the amount and then get the court to show it as satisfied or just leave it and it will get removed 6 years from the start date. As long as the bankruptcy is on your file then the CCJ will have little or the longer it is onthere no impact. As you say you know what the amount was for then no point going down the dispute route to get it removed.

john

mrcurious_2

Is Barclaycard Credit card data controller based at One Churchill Place please, many thanks

dojoman

mrcurious wrote: »

Is Barclaycard Credit card data controller based at One Churchill Place please, many thanks

That is where I sent my my letters to.

mrcurious_2

I know it's early days as my AD was on 10/2/12 but i got my credit files 2 weeks ago to have a look. On every creditor the default date is wrong almost 3 months being may 2011 and one is october 2011.

Should i start cleaning files now due to these errors??

Thanking you in advance :j

fermi

If all that was wrong was that they didn’t say settled, then I would wait as creditors may update that themselves now you are discharged.

However, if the default dates themselves are wrong then I think it's unlikely that this will be corrected without you giving the creditors a good hard prod to do so.

No right or wrong answer. Up to you really.

You could wait and hope that some sort them out without prompting. If it was me I think I would start writing for the ones that have the default dates wrong at the very least.

mrcurious_2

Thanks Fermi, going to send them letters on Monday recorded Thank you for a quick response, much appreciated

mandrake75

Hello all
Does anybody know how long the paper credit reports take to arrive? I requested mine from Equifax and Callcredit over a fortnight ago (first class letter each with a non-crossed postal order for £2) and i've had nothing since.
I tried to do it over the net but neither site would let me hence me requesting them by form. Equifax did let me do it via my PC and arrived within three days. I could really do with making a start you see as my Lloyds loan is not on the equifax report, and my Llloyds CC is not showing settled/partial.
Thanks for any forthcoming answers

mrcurious_2

I did mine online and equifax took around 8 days, experian were quicker around 5 days

vornatron

Great thread - just helping OH with post BR clean, bankruptcy 12/09, discharge 12/10.

Has anyone managed to find data controller addresses for: Intrum Justitia, Co - operative Bank - and is RBS (mint)still
36 ST ANDREW SQUARE
EDINBURGH
MIDLOTHIAN
EH2 2YB

I'm just going on noddle's report for the moment, hopefully the info there is sufficient.

The only other thing is a debt showing twice - an egg credit card showing as 'satisfied' (but default,& wrong date i need to sort) in the closed account section.. but the identical balance/card sold on to Aktiv Kapital is in the open accounts section (definately same account)- any idea on best way to deal with this?

Many Thanks )

kennedy316

OK so i was declared bankrupt in April 2011, then got AD in October. Have now got my experian report which after reading the clean up thread i understand i have some cleaning up to do.
I am however a bit confused by the following -

MY report is broken down into the following sections

Public Record Information - record of firstly my IVA then BR
Credit Account Information - list of companies i owed money to with all the details required, satisfied or not, default dates etc

To this point i follow whats what and know that as some arent satisfied and have dates later than my BR date i need to chase them up, where i get lost is thus -

Credit Account Information with Management details -

UNder this section there are two enteries, one was a natwest credit card and the other an argos card, both of which were dealt with under the BR and both not staisfied or correctly dated. Under the account details is a list of figures like you would get on a statement, is this like this because they were cards rather than loans etc and do i write to them in exactly the same way.

Finally i dont remember having a natwest credit card but did have a Sky tv branded card which i seem to remember was through natwest, is it likely that this is the entry on my report, if not then i dont have a natwest credit card number so would only be able to include the bankruptcy number. If the sky card is the natwest card on the report then ill put that number down.

Thanks for any help in this matter.