discharge notice

worried123

Hi

I was declared bankrupt in 2007 and discharged one year later...I have used a cash card account and cash ever since but I now would like a small bank loan.

I accessed my credit file earlier this year and it showed that some of my creditors had not stated that my debts were satisfied at bankruptcy and in fact lloyds keep regularly updating the default......the cridit file company said they could write to the various lenders but wanted me to send them my discharge notice......I do recall being written to some years back saying that i was discharged but it wasnt a formal notice but a letter from the person in the official receivers office who wrote about several things at that time.........and i have not kept this letter. I have copies of my official bankruptcy form...

I also felt that the credit file agency were stringing out the process so that i would keep paying them each month.....

How and where would i get hold of a copy of my official discharge papers please.....do I ring the official receivers office at all....if i can find the details....

Many thanks indeed.....

ps. it shows clearly on my credit file that i was discharged in 2008 so why do they need the official document stating this....thanks

JustinCredibleGillespie

Contact your OR's office and ask for another letter or pay for a discharge certificate.

Have you ever cleaned-up your credit files?

By doing this, you would need to write to all lenders, although you will need some kind of letter to state the discharge date.

JCG

xx

worried123

Hi

Many thanks for that.....I have just rung the official receivers office and they gave me a number to speak to somebody who deals with this....He told me that the credit file companies DO NOT NEED a discharge certificate....and it states quite clearly on my credit file that i was discharged in 2008...

He told me that in august of next year everything will come off my credit file as it will be 6 years (however i have just moved and need to get some work done here that cannot wait until next august)....

He told me to go to a web site and download a booklet called credit explained. www.ico.gov.uk and search for credit explained........I doubt they can tell me anything that i cannot find here on this amazing web site......He said that the only time that i might need a certificate of discharge is i.e. perhaps if I might want to rent a property in the future and they want absolute proof of my discharge and it can be obtained from the courts for about £70...

So apparently i do not need a cert of discharge and he agreed that the credit file agencies string you along so you have to keep paying them each month.......

It all still seems so daunting as i dont know the addresses of my creditors etc...where to write.......I told him that one creditor had put default satsified but it is a year after bankruptcy and he said not to worry....let it lie.....and that it really doesnt matter and will not add any extra time to the 6 years before it is all automatically cleared....he looked at my case and said that i didnt have a huge amount of debt anyway - but enough to prevent me having a normal bank account and obtaining credit and he said that in this day and age living purely on cash is hard.......

I know that Fermi has some stickies here and I shall start to write to the companies.......i dont know why these are all still on my file and he said that they should have all shown as satisfied but i woner sometimes whether the official receiver really does his job properly.....He told me to check into my credit file now and then and there are further letters that can be sent if things arent updated and rectified..

I need to find the addresses of the following

Lloyds TSB (current account)
Co-op bank (credit card)
Halifax said satisfied even though the date is wrong but the chap said to leave this
Shop direct finance (mail order)...I dont even know who these are and i only owed them £90

Anyway - best have a browse of the stickies on here.....

thanks again

worried123

well i have just looked at that site and it says that you need a certificate of discharge.....i have no idea why they would need this when it states clearly on my credit file that i have been discharged....any thoughts - I really dont want to fork out £70 for a certificate if i can clear things up without it.....the chap that i spoke to who the official receivers office sent me to said that i absolutely dont need one....he also made it seem as though the credit file people were at fault for my defaults still being there ???

JustinCredibleGillespie

http://www.ico.gov.uk/what_we_cover/register_of_data_controllers.aspx

The above link is where you will find the date controllers for Lloyds etc.

Ask the person from the OR's office to kindly send you out a letter stating the date of Bankruptcy and the date of Discharge that will be enough.

JCG

xx

JustinCredibleGillespie

Are you registered with https://www.noddle.co.uk ? Its the FREE credit report. Which does hold quite alot of information.

Dont pay £15 a month. Just send for your statutory £2 reports every quarter until you see the changes.

JCG

xx

worried123

many thanks for your help.

best wishes

worried123

Hi there, i tried to register with noddle but cannot because they want the details of my debit or visa card and i dont have one.....obviously........Life.