Credit report, reporting & finance co.

emmdee57

Good morning guys. Some assistance please. I was made bankrupt in July 2008 and had my home repossessed in Dec 2009 (Halifax BS). It had a secured loan that went with it via Blemain Finance - now Jerrold Holdings. Over 6 years has passed since the mortgage was in Default but it is still showing on my credit report (Default date 6 Dec 2009, Settled May 2009) as of yesterday. On top of that, Jerrold has never placed the account into Default and still update it every month as over 6 months in Arrears, even though we have never had any contact with them since before we moved out of the property. Can anyone give me any help as to how I get these accounts removed from my Report or do they stay on there as long as the companies refuse to play ball?

Any help you can give will be greatly appreciated.

My Bankruptcy was discharged in 2008.

Many thanks

Tixy

The secured loan was just in your name?

This thread Credit Reference File Clean Up Post Bankruptcy has information and templates letters to send to creditors if they are not correctly showing debts included within your bankruptcy.

emmdee57

The secured loan was also in the name of my partner. She is awaiting her credit report as well.

Tixy

The secured loan entry relly should have a default on it dated no later than 6months after you stopped paying the loan.

And you could write to challenge them on this. Although if the debt was not fully paid on reposession then this could well trigger them to start chasing your partner for any shortfall.

In terms of the joint mortgage - the default date as the date of repossession seems reasonable. And this will drop off your credit file 6years after this date.

emmdee57

Thanks Tixy. Equifax confirmed today that Halifax have now adjusted their records and have removed the mortgage details from my file. Jerrod however still claim to Equifax that money is outstanding and claim it is their right to have the file in arrears rather than default. They want me to call them but I have no intention of doing so as I do not believe they will change anything. Is this a case for the Ombudsman or something like that?

Regards

rizla_king

emmdee57 wrote: »

Jerrod however still claim to Equifax that money is outstanding and claim it is their right to have the file in arrears rather than default.

They are right that money is still owed, but wrong to record on your credit file that its owed by you, becuase it isnt.