Bankruptcy & Defaults

scouseman

Hi All

On July 15th 2008 I was declared bankrupt and the Halifax closed down my current account. I also had outstanding debts with Littlewoods direct about £1500, I sent them a copy of my bankruptcy certificate to inform them I was bankrupt and passed the account onto my administrator but they refused to acknowledge it until January this year..:mad:

Come July 15th this month I was free as bird and my bankruptcy had ended, I decided I would contact Experian to see how my credit file looked, It was good job I checked it as they had my discharge date as July 15th 2011 :rolleyes:, although I think that should be ok now as I have sent them a copt of my discharge certificate.

I also noticed on my file that Littlewoods had marked my file with missed payments from July 2008 to December 2008 and marked my account with a default on December 2008 even though I was bankrupt, I am quite sure they cannot do this but does anybody know for sure?

Also Halifax who originally said my bank accounts were closed had cancelled my £300 overdraft and marked my account with missed payment from July last right upto last month as if the account was still active, this is going to be a nightmare to sort out has anybody else experienced anything like this. I would also advise anybody who goes bankrupt to keep a close eye on there credit file..

My credit file has only 1 default on it and it was placed there 6 months after I was declared bankrupt.:rolleyes:

Good knows were all the other debt has gone to.

scouseman

skylight

There is a Credit File clear up on this board somewhere, you may have to search for it!

But it tells whats what, what to do and even letter templates too.

philnicandamy

as if by magic....


http://forums.moneysavingexpert.com/showthread.html?t=677875

skylight

Piff Paff !!!!!!...

philnicandamy

size of a donkey.......

scouseman

many thanks for the link
cheers
scouseman