Lloyds TSB being an !!!!?

chipshill

I'll make this brief as I have a habit of chatting on for a while

Declared bankrupt August 2007, discharged (satisfied on credit expert) August 2008.

Now, on my credit report, I still have 4 defaults from the original 5. 2 are due to disappear in May, an other in June. The fourth and final one is with TSB but my problem is, the default date is October 2007, which as you can see is AFTER I declared bankruptcy. From what I am to believe from research so far, a company cannot add a default notice after a bankrupty declaration, the default has to be before.

I wrote to them anyway, got a £25 cheque which I didn't cash and was told it would be fixed in 90 days. This was in November, nothing happened so I wrote to the company secretary with a strong e-mail last month. Today I got a written reply basically saying...:

"I apologise this has not been actioned, although after speaking to the department that liasises with the credit reference agencies, they have confirmed they do not have a record of your discharge from bankruptcy." etc etc etc

But my credit file actually states when the bankruptcy was satisfied, and as far as I'm aware, the fact that I'm discharged is irrelevant, the breach of law is marking a default after the bankruptcy date...

Am I wrong? Can anybody shed some light on this or at least give me an opinion on it?

Many thanks

Chris

DevCoder

Did you send LTSB proof of your discharge from BR?

chipshill

No I haven't. I went bankrupt in the first place because I had Cancer and couldn't pay the bills so my partner was dealing with the financial side of things, between moving houses too so the certificate was misplaced along the way. I didn't really want to pay the £70 or whatever it was to get a copy sent out if I don't have to but surely if I'm right, they are obligated to remove the default regardless or seeing the certificate? Especially considering it says the satisfaction date on my credit report, which is my discharge date according to the courts?

fermi

Did you get automatic or early discharge?

You are correct though. Whether you were discharged or not, and regardless of the date, the bankruptcy order is the latest date that they should record a default. If they have recorded one after that, then they are obliged to backdate it to your BR date.

That would even be the case if you were still undischarged now, i.e. your discharge had been indefinitely suspended.

alastairq

The date of default should be no later than the date of petition of BR.

LTSB do not need to see any proof of discharge.

In any event, a question is, will it be worth it to hassle LTSB for the sake of 8 weeks?

[If it were me, I'd hassle them big style. But the OP ain't me!]

Fermi does it to me again!!!!!!!!!!!!!

chipshill

alastairq wrote: »

The date of default should be no later than the date of petition of BR.

LTSB do not need to see any proof of discharge.

In any event, a question is, will it be worth it to hassle LTSB for the sake of 8 weeks?

[If it were me, I'd hassle them big style. But the OP ain't me!]

Fermi does it to me again!!!!!!!!!!!!!

Thanks for the replies guys.
If I did leave it, it's not 8 weeks. I'm not sure if it would disappear at the date of my bankruptcy or the date of their late default (if they didn't change it), but even if it was my bankruptcy date, that's August so it's at least 5 months

I was sure I didn't need proof and you nice folks have reassured me to re-write them

chipshill

p.s. does anyone have a quote or something I could use to send to them so it sounds professional when I ask them to change it?