Creditors demanding Cerficitate of Discharge etc

izools

Hi All!

Climbing back up the credit ladder at the moment, which is nice, however I'm getting some grief.

I've noticed that four of my credit agreements that were written into the Bankruptcy Order were marked as having defaulted well after the date of bankruptcy.

Now all four creditors already hold documents on file confirming when I was declared bankrupt and discharged from bankruptcy, they all have these as I had to send them a letter from the OR in order to get the defaults marked as "Partially Satisfied".

However now that I am asking the four creditors that have the incorrect dates, they are asking me for a certificate of discharge, and that a letter form the OR will not suffice.

Now I don't know about any of you, but I feel loathed to splash out £60 on a NOD when they've already been written to by myself and the OR confirming the date of bankruptcy and discharge.

What would you recommend I do?

Thanks everyone!!

skylight

On the credit clean up file thread (which is floating around somewhere), there are the processes and address to send a complaint to. Do that then send the creditors snotty letters that they have all the info they need and as they are not prepared to follow the law you have written to XYZ to issue a formal complaint.

skylight

http://forums.moneysavingexpert.com/showthread.html?p=7834457#post7834457

Here it is.

izools

Fine.

I've drafted letters to them, and they all end with this:

Please note that I am not prepared to enter into protracted correspondence with your company with regard to your requesting duplicates of documentation that you have already been sent, both by myself, and the official receiver.

I provide 28 days for the data to be corrected, and should the data remain inaccurate after this time frame action will be brought upon you for breach of the Data Protection Act.

You can confirm my date of Bankruptcy and Discharge by either performing an unrecorded enquiry against 21 Some Street, Townville, County. Or you can contact the Registry Trust LTD, or if you feel like it, the official receiver.

Yours Faithfully,

izools

... I think that's a nice way to end a letter, don't you think?

LeeSouthEast

All a bit of a nonsense really, they can see your discharge date on the IS website!

izools

Not any more... But who cares. They were already given confirmation of discharge when I asked they update the accounts as partially satisfied, which was all sorted a long time ago.

Their just procrastinating. I won't stand for it!!

fermi

While this is not the same issue exactly, the info here is interesting:

http://forums.moneysavingexpert.com/showpost.html?p=26754617&postcount=226

Shows that you shouldn't always believe a creditor (or even the ICO) when they say what info is required by them to correct your files.

peachyprice

LeeSouthEast wrote: »

All a bit of a nonsense really, they can see your discharge date on the IS website!

It only stays on there for 3 months after dischargr, so make sure you print off plenty of copies before it disappears

maxmycardagain

Does it matter?

Debts fall off the credit record after 6 years, ive a feeling you could find far better use for your spare time frankly.

Look at O2 telling me I still owed them a debt, and T-mobile selling one on last month, a YEAR after discharge!

fermi

maxmycardagain wrote: »

Debts fall off the credit record after 6 years

Onlyif the default date is correct in the first place.

maxmycardagain

fermi wrote: »

Onlyif the default date is correct in the first place.

but if theyve had no reply in 6 years anyway.....