DRO's, defaults and balances

damien4884

So i had a DRO issued back in september 2010, so in september 2011 it completed. I've got a good job now and started looking into finance for a car purchase, which i cannot get. So went on noddle to check my report and out of 10 creditors 6 are still putting me as in debt, one is settled and 4 have been marked satisfied. Is there a way of getting the 6 that i'm apparently in debt for sorted out and marked as satisfied and closed?

I understand they will still be visable (in 2-3 years time they will be gone) but the information currently on there is a bit misleading.

Thanks in advance!

damien4884

So I've done some searching and found out what see t I need to do and have a confirmation letter coming from insolvency service. I have the details of who is still updating me as owing money but is there a certain person/position within these companies I should be sending this onto? I'll be sending a letter along the lines of the bankruptcy template along with a copy of the debt relief order and the letter confirming it was ended satisfactorily.

Lewys

You're very much in the same position as I am. Although I have only one outstanding creditor; having dealt with the remaining I had.

I would send the letters to customer services to be honest. I sent my letters to various other people/departments and they all ultimately got passed onto CS to deal with.

You might find yourself, like me, with the odd company ignoring your letters. I've bounced such behaviour to the Information Commissioners Office and they've dealt with it.

It's not a quick process and even when your creditors have updated your credit file, the changes can take a couple of months before they appear.

Best of luck tho!

PurpleGoldFish

Morning Folks

Just read your issues above, when I 'finshed' my DRO (12 months), I fired off a load of clean up letters, I amended the standard clean up letter to this for my DRO clean up. As you can see I included a copy of the approval letter that I was sent at the beginning of the DRO and the letter I requested from the Insolvency Service once it finished, I referred to this as a Discharge Notification' as that essentially what it is. As for piddling around with Customer Service Addresses/Departments, what a faff on that was, ended up using ceoemail(dot)com and firing them a copy of the below (as a word doc) with a brief covering note explaining the faff on with CS teams. All emails were responded to and CRA files were all updated within the 2 months I waited until I checked them again.


Dear Sirs

Re: (Account/Reference Number)

After consultation with both the Information Commissioner and the Credit Reference Agencies, I am writing directly to you to request that you formally update ALL my credit files in accordance with the Data Protection Act.

I was subject to a Debt Relief Order, which commenced (Insert Start Date Here) and subsequently discharged on (Insert Discharge Date Here), and (Insert Creditor Name Here) was included within the Debt Relief Order. For your convenience I have attached both my Notification of Debt Relief Order Approval and the subsequent Discharge Notification.


Currently the information that you have recorded against my name with the Credit Reference Agencies is factually incorrect.

• It is requested that you mark the account in some way as to indicate that it is settled or satisfied, in accordance with the Data Protection Act.

The Information Commissioner has indicated that I should allow you 28 calendar days from the date you receive this letter to comply, during this time you are requested either to update the Credit Reference Files correctly (of all three Credit Reference Agencies) or notify me in writing the reasons that you refuse to.

After the 28 days have elapsed the Information Commissioner has requested that I inform them if your company fails to update the records so that they may take any necessary enforcement action against your company.


Yours faithfully



(Insert Name Here)

Enc:

Debt Relief Order
Discharge Notification

Gosh, that was a long 'un.... Sorry...

mystical_flower

PurpleGoldFish wrote: »

Morning Folks

Just read your issues above, when I 'finshed' my DRO (12 months), I fired off a load of clean up letters, I amended the standard clean up letter to this for my DRO clean up. As you can see I included a copy of the approval letter that I was sent at the beginning of the DRO and the letter I requested from the Insolvency Service once it finished, I referred to this as a Discharge Notification' as that essentially what it is. As for piddling around with Customer Service Addresses/Departments, what a faff on that was, ended up using ceoemail(dot)com and firing them a copy of the below (as a word doc) with a brief covering note explaining the faff on with CS teams. All emails were responded to and CRA files were all updated within the 2 months I waited until I checked them again.


Dear Sirs

Re: (Account/Reference Number)

After consultation with both the Information Commissioner and the Credit Reference Agencies, I am writing directly to you to request that you formally update ALL my credit files in accordance with the Data Protection Act.

I was subject to a Debt Relief Order, which commenced (Insert Start Date Here) and subsequently discharged on (Insert Discharge Date Here), and (Insert Creditor Name Here) was included within the Debt Relief Order. For your convenience I have attached both my Notification of Debt Relief Order Approval and the subsequent Discharge Notification.


Currently the information that you have recorded against my name with the Credit Reference Agencies is factually incorrect.

• It is requested that you mark the account in some way as to indicate that it is settled or satisfied, in accordance with the Data Protection Act.

The Information Commissioner has indicated that I should allow you 28 calendar days from the date you receive this letter to comply, during this time you are requested either to update the Credit Reference Files correctly (of all three Credit Reference Agencies) or notify me in writing the reasons that you refuse to.

After the 28 days have elapsed the Information Commissioner has requested that I inform them if your company fails to update the records so that they may take any necessary enforcement action against your company.


Yours faithfully



(Insert Name Here)

Enc:

Debt Relief Order
Discharge Notification

Gosh, that was a long 'un.... Sorry...

This may sound dumb but what do you mean by 'After consultation with both the Information Commissioner'? As I'm taking your advice and emailing the letter to my creditors as my DRO was discharged in May this year.Thanks.