Sequestration didnt deal with my CC debt

amibeingrippedoff_2

Hi,

After a long while and eventually coming to terms with my sequestration i am trying to do as much as possible to keep things clean in future.

Anyway, I was sequestrated on 12/05/2014. I had a single credit card at that time which i owed just over £900. I was told by the insolvency person that i should not pay any payments to my debts as he would be dealing with everything, i took his advice.

My sequestration was discharged on 01/04/2015

After checking my Credit File it seems that i must have been accruing charges to the credit card each month until Aug 2014 which eventually went to £1,165. This figure shows on my credit file each ,omth all the way up to Jan 2015 at which point it changes to (DF) Default.

Is this correct how this happened and should it be on my file as a Default? i am thinking as i was tod it would have been dealt with under the Insolvency.

Please before i am slated for not paying my debt, it was for Council Tax i just couldnt afford to pay,

thanks

fermi

They need to amend the Credit File record to show that

- the default date is the date of your sequestration, and

- the debt as settled or partially settled at the date of your discharge.

Works under precisely the same principles as the correction/cleanup often needed for bankruptcy in England.

You can adapt the complaint letter for that accordingly, top refer to sequestration instead.

See ----> Credit Reference File Clean Up Post Bankruptcy

amibeingrippedoff_2

Thank you so much Fermi