Credit Clean up Ge consumer home lending

dickoa

Anyone got any tips for getting this company to change the infomation they submit to the credit reference agengies there my last one but they wont seem to budge supplied them with my bankruptcy notice and the discharge paper work however they maintain that i owe them the shortfall from the house they repossed the property sold for 95 and the mortgage was for 130 they want the difference and say that i still owe them it i was declared BR 17th november last year and the house was repossed on something like the 30th November however the debt was before my BR so i understood it to mean that any shortfall would go into my BR sorry this is a bit jumbled up and the spellings not great any advice would greatly recieved. I have rang them about ten times and sent them the recorded delievery letter but no luck.

DarkConvict

I assume you put down the house on the bankruptcy paperwork, and it was discussed with your official receiver. I would guess it is included. [STRIKE]I believe you can only keep the mortgage/house when you do a DRO or IVA, thus a bankruptcy would mean you lose the house and cover any debt owed, but don't quote me on that.[/STRIKE]

If others say it is included. Then i would notify your OR and state that one of your creditors is chasing you for a debt included in the BR.

With regards to changing the credit report paperwork, im not sure i thought this was done after you were discharged.

dickoa

Yer the house was put down on the paperwork and i lost the house to the BR and the OR also confirmed that this would be included in the BR

JCS1

Credit File clean up's not my area of knowledge, but I think the next step would be to report them to the Information Commisioner for failing to update their records. Hoepfully someone who knows more on this will be along soon.

philnicandamy

well if thats the case and they STILL refuse to ammend the credit file reports then you ideally need to speak to someone at the information commisioners office they should look into the prob for you

DarkConvict

If the file is definitely wrong, you could pull up the data protection act in communications to them, as one part of it is that the information held must be relevant and accurate. If they refuse to correct it, then i am sure it would be in breach.

http://www.ico.gov.uk/what_we_cover/data_protection/your_rights/correcting_information.aspx

philnicandamy

errrrmmmm....didnt I suggest the same in my last post?? :rolleyes:

DarkConvict

philnicandamy wrote: »

errrrmmmm....didnt I suggest the same in my last post?? :rolleyes:

Simply - Yes,

oh sorry, i had left the window open for a while before writing the post (i should have refreshed), but you would probably have beaten me anyway.

peachyprice

DarkConvict wrote: »

I believe you can only keep the mortgage/house when you do a DRO or IVA, thus a bankruptcy would mean you lose the house and cover any debt owed,.

Many many people keep their houses and mortgages in BR DC.

Dicko,
As well as the credit file clean up send a copy of the letters chasing you for the shortfall to your OR, as this is now an unsecured debt the OR should deal with them for you.

HTH