Bankruptcy and credit file dilemma question

Gregr1969

time line
July 2009 - I phoned all my creditors and informed them of my pending bankruptcy and enquired of some ' can I still be a customer? '. My mobile provider said no unfortunately. We spoke for a long time that day, arranging account closure and return of equipment. Job done I thought.
August 2009 - bankruptcy.
May 2015 - I look at my credit file and, oh my god, entry with largish sum outstanding, with defaults from August 2009! It is said mobile provider.
I speak to said company,whose customer service now carried out from outer space, or so it seems. I get told, ' no. You STILL owe us largish sum. That's why it is on there.' I pay a nearly largish sum of money, being a lot more responsible these days. Then I think ' hang on, several more companies I was in the same position with back then, they don't show on my credit file!' I search the Internet and find several slightly different answers. I find this site and think ' I know, I'll ask on here!'

Question: if 10 other companies, whom I am in a similar situation with do not show up and claim I still owe them, though I have never been chased for payment by ANY of them, including that mobile provider, why is that still showing up? And why aren't the others? Can't understand this. Can someone please explain? :eek:

philnicandevan

Most debts (apart from an odd few) are included in bankruptcy...you shouldnt have paid the mobile firm the "largest" sum as it's been included in your bankruptcy even if you didnt add a creditor thats why your bankruptcy is included in the london gazette gives creditors you may have forgotten chance to see your bankrupt..

National_Debtline

Hi Gregr1969,

Any debt that has accrued prior to bankruptcy is included in the bankruptcy. If the mobile provider defaulted the account before you went bankrupt (which is likely because the account was closed in July 2009 according to your message) then the whole sum of the contract would have been called in and therefore, included in the bankruptcy. If a debt is written off as part of a bankruptcy the creditor cannot chase you for the money any longer. If you have made any recent payments to them I would suggest that you complain and ask for your money back. If they refuse then you can escalate the complaint to their regulator (normally the Telecommunications Ombudsman).

You can also contact Experian regarding your credit file. Any inaccurate information can be removed. The default may not be incorrect (as they may have defaulted the account before you went bankrupt) but if there is a balance showing, then that should be marked as £0. If Experian refuse to correct this matter you can escalate it to the Information Commissioner. I hope that helps you,

Laura
@natdebtline