ORANGE/EE wont change my credit file after BR!

Frustrated.com · 24 January 2014 at 1:51PM

I am so frustrated with Orange/Everything Everywhere.

Went bankrupt in the summer of 2012 and was subsequently discharged last summer. Suffice to say, all has been well apart from one creditor being really obstructive in removing an entry on my credit file.

Orange have today sent me a message saying this:

"Your query has been passed to me for further review and in regards to your previous / last correspondence, I advice:

We would require you to share with us the list of creditors. Unfortunately in absence of this document, we may not be able to amend any details on your credit file."

I have sent them a copy of my bankruptcy Order and told them I will report them to the Information Commissioner if they dont amend my credit file but they seem to think I have to show them this list of creditors? I dont even have this list anymore? I dont really want them seeing my other creditors anyway.

What can I do?

Thanks in advance

philnicandevan · 24 January 2014 at 2:45PM

Strange they ask for that, although now if they refuse till they see the "list of creditors" it's information commissioners office next to complain about them although the length of time they seem to take to address complaints you'd be better sending another letter asking why they need this list of creditors when your bankruptcy discharge proof should be enough

I know you'd be uncomfatable sending what they ask...may be worth contacting your OR's office who dealt with your case & see what they suggest

TheGardener · 24 January 2014 at 5:43PM

They may want the list to see if they are actually named on it. Some companies/staff still labour under the (very outdated and incorrect) impression that if they were not actually named on the petition - what you owe them was not included in the BR and they can still chase it.
Complain to IC.

bigjl · 25 January 2014 at 1:56AM

What do you need amended?

As far as i am aware the entry/default will stay on there for six years.

And will drop off at the same time as the BR.

Could be wrong but that is what i was led to believe.

alastairq · 25 January 2014 at 12:09PM

As far as I can tell....the only amendments possible occur if the default date is later than date of BR petition, or if the account is not marked as 'settled' or 'partially settled?'

philnicandevan · 25 January 2014 at 1:35PM

alastairq wrote: »

As far as I can tell....the only amendments possible occur if the default date is later than date of BR petition, or if the account is not marked as 'settled' or 'partially settled?'

Correct.....:D