Help with defaults on credit report

hannah9000

Hi,

I was discharged from BR over 3 years ago so i'm currently trying to clean up my credit report before I get married. There are 3 accounts still listed as debts, one being a mortgage. I wrote letters out to all creditors asking them to mark my accounts as settled/satisfied when I was discharged but these appear to have not done it.
The mortgage was a joint application...could this be why it's still listed as a debt?

lala9

You need to chase these up following the credit file cleanup sticky. If they don't comply then complain to the ICO.

JustinCredibleGillespie

Once you post your recorded letters to your lenders, give it 14 days then start emailing and making phone calls asking why they havent updated. This is what I have done & I only have one more default now to get satisfied. It's a very easy thing to do and some creditors will try to drag their heels but if they know that you arent going to let it lay then they'll do it.

I had some trouble on Friday with Active Securities Ltd. I sent them the sticky letter a few weeks back and they said they hadnt received it but I posted it recorded & kept a copy of the receipt. They then tried to tell me that it was the OR's job to contact them to get clarification that I was actually bankrupt & it was her job to contact the CRA's to get my default marked as settled. I done nothing but laugh down the phone at how incompetent they are. I asked the guy how many bankrupcies he'd dealt with and he replied ''into the 1000's'' which made me laugh even harder. He told me my case was one of the difficult ones. Every silly question he asked, I had an answer that blew him out of the water, in the end up, I got fed up with his bullsh*t and said that I would be following up with my complaint to the ICO and I also contacted noddle.

So anyway, I got a phone call on Saturday morning from him after his further clarification on what to do, after all, he said mine was a very complex case (lol again) he sincerely apologised, my information I provided him with was 100% factual, all the info he had was carp! So he is now going to get my credit file updated by the nect new cycle due on Noddle, he didnt even know that noddle where part of Callcredit. Its great when they accept that they are wrong & u are right! And I'm a very happy lady to say the least.

I was actually going to start a new thread on this story & about Active Securities Ltd & their wholehearted incompetence, but now I dont have too.

Everything on the sticky's is 100% & all the great advice from this thread is completely correct and always stick to your guns when it comes to difficult creditors because sometimes you know a hell of alot more than they think they do!!

JCG- 1

Active Securities LTD - Nil

xx