Letters to Creditors to update credit file

Nemesis-UK-

As someone who has fallen foul of this. Please, if you are writing to a company to have your credit file altered due to any incorrect information, mark your letter initially as COMPLAINT.

If not it can be treated as a request, not a complaint, and so delay any complaint procedure should they not update your file within the 28 days.

I've just been exactly here, and even though I sent all the correct information in January, only NOW is it being treated as a complaint, as I rang and complained that they hadn't followed the original letter correctly.

This will also affect any dealings with the Financial Ombudsman, and possibly the Information Commissioner.

In addition, once you have sent the letter, DO NOT CONTACT the creditor for updates, etc. If you do and they tell you to wait a further x days, then the ICO will wait until that extended time (after the original 28 days) has elapsed.

Just be aware, and sorry if this has been posted before.

dojoman

Who were the creditors involved? I sent the template letter from the sticky thread, and all of them updated my files without a problem.

Nemesis-UK-

In my case it was GE Money/First National Bank, however, the process for them all is pretty much the same.

They viewed the template letter as a request, not a complaint, so when, after 28 days, I contacted them about it, they agreed that they hadn't done it and after a week of complaining finally raised a complaint.

If I had stated that it was a complaint from the beginning, then I wouldn't have to wait a further (up to) 8 weeks for a resolution.

Semantics really, but if it's marked as a complaint from the outset it will save some time should you have a problem.

sam222

hi there dojoman

can i ask you what/which template letter did you sent to creditors to update your files,also i declare Br. 3 weeks ago i had my interview ,do i need to do same as you i mean updating my files,i don't know much so i thankyou if you or any one else could advise me

many thanks

dojoman

sam222 wrote: »

hi there dojoman

can i ask you what/which template letter did you sent to creditors to update your files,also i declare Br. 3 weeks ago i had my interview ,do i need to do same as you i mean updating my files,i don't know much so i thankyou if you or any one else could advise me

many thanks

Hi Sam, you do not clean your files up until about 2 months after you are discharged from your BR. The thread below tells you all you need to know:)

https://forums.moneysavingexpert.com/discussion/677875

sam222

Hi dojoman thanks for reply

so just to be on the safe side can i ask you is there any thing that you have to do or you have to be aware of after you go br. (like i allready have these questions in my mind ::do i need to write to my old creditors and give them my br.case no. And date::Or if i go aboard for 2-3 months do i have to tell or)

many thanks

alastairq

::do i need to write to my old creditors and give them my br.case no. And date::

It is not essential.

The Official receiver will do this eventually, as they now have full responsibility for your financial affairs.

However, as this may take time, some creditors may hassle you, so by volunteering your case number, date of BR, you can hopefully avoid some of that.

if i go aboard for 2-3 months do i have to tell or

This is definitely advisable!

The Official Receiver may/will need to contact you regarding various matters....if they get no response, this may well be regarded as you not co-operating with the Bankruptcy...and could result in a suspension of Discharge being sought at Court.

I see from your other posts you have the impression that, once the initial proceedings are dealt with, that is that?

You have to be aware that, until Discharge you are subject to some severe financial [and professional] restrictions....and if an IPA is agreed or imposed during that time, then you face financial restrictions for a further 3 years from date of agreement/imposition.