Discharged: Stuff to do?!?!?!

northantsandy

I was discharged in January.

I'd only ever spoke to the OR when I had the initial interview. I recieved a letter saying I could keep the house and pay £212. Apart from that nothing until a letter out the blue saying I had a trustess to pay my NT tax code money to then the fact I was discharged.

I've never been told about a discharge certificate or anything else....so this is what I have found out today 6 months after discharge.

1.0 I required a discharge certificate from the court at a cost of £60;

2.0 I need to remove Land Registry info against me via a Court Order listing PAB and WOB referencemumbers;

3.0 I need official documentation so the Land Registry will remove all mention of the bankruptcy off my property.

The Land Registry have told me what I need to do but no one at the County Court or OR's Office know anything about 2.0 & 3.0 would you believe!!!!!

Is there anything else I need to know and do?!?!?! Talk about being left out on a limb!

fermi

You may wish to check that your credit reference files have been updated correctly, marking your debts as satisfied/settled, and that all defaults are dated no later than your date of discharge.

This is important so that all these records drop off your file 6 years after your discharge date.

If you find errors or incorrect data you must write directly to the data control officer for each lender, see:

http://bankruptcy.informe.com/viewtopic.php?t=19

EDIT: It is advisable to get your full Credit References Files in paper form giving all your addresses for the past 6 years. See: http://www.ico.gov.uk/for_the_public/topic_specific_guides/credit.aspx

The various online credit file checking services do not always show up all the data.

If there are errors, you can search for the address of the Data Controller of the creditor on the ICO website.

http://www.esd.informationcommissioner.gov.uk/esd/search.asp