Is Creditors list required to sort out my credit file?

l44wsa

I am in the process of sorting out my credit files post discharge and have sent letters out to all my creditors who have discrepancies or unsettled on my reports. The majority are coming back asking for my Discharge certificate which I have sent them, however, Santander have asked for the certificate AND a list of my creditors??!!

Am I obliged to send them a creditors list or should they correct my credit file with just a copy of my discharge certificate?

Thanks in advance.

fermi

l44wsa wrote: »

Am I obliged to send them a creditors list or should they correct my credit file with just a copy of my discharge certificate?

Yes, they should.

Is Santander on the list of creditors for your BR statement of affairs?

If so, I don't see any harm in sending a copy of that page. May not be needed, but may just be simpler rather than arguing.

l44wsa

Thanks for the quick reply Fermi, Santander are on the list but i'm going back to Jan '09 for my BR and Jan '10 since my discharge and it would take some digging to get all my paperwork together to send them something they don't require! Actually don't even remember getting a statement of affairs or list of creditors, i'd have to compile one myself i think.

fermi

The statement of affairs would have been form 6.27 that you gave the court when you petitioned for bankruptcy?

Unless of course a creditor made you bankrupt?

fermi

Reminder letter to a creditor link this link

--> http://forums.moneysavingexpert.com/showpost.php?p=46370851&postcount=689

Letter to a creditor who refuses to update without proof a debt was on the SOA here:

--> http://forums.moneysavingexpert.com/showpost.php?p=54717865&postcount=825

One or the other, or both, might help you put a response together.