Aqua Default on Credit Record

BigVanVaderBomb

In went bankrupt in March 2012 and was discharged in March 2013.

My bankruptcy dropped off my credit record 2 months ago as did all my defaults with 1 exception being Aqua.

I wrote to them but they replied saying they won’t remove the default until March 2019 as that will be 6 years after I was discharged. Is this accurate? If so why did all my other defaults disappear? Any advice would be appreciated.

BVVB

[Deleted User]

Correct

Defaults drop off 6 years from issue

BigVanVaderBomb

What should I do to get removed? Would contacting Financial Ombudsman be worthwhile?

[Deleted User]

No - wait for the 6 years to come and it will drop off by itself

BigVanVaderBomb

But if I went bankrupt in March 2012 shouldn't it have dropped off already?

Carrot007

BigVanVaderBomb wrote: »

But if I went bankrupt in March 2012 shouldn't it have dropped off already?

Was the aqua card in the bankruptcy?

[Deleted User]

From the ICO website:

I am currently bankrupt. On my credit reference file there is a default for an account which was included in my bankruptcy. Is this right?

Yes. If an account has been included in your bankruptcy, the lender should have marked the account in default. The default will stay on your credit reference file for six years from the date of the default.

You can ask the credit reference agency to add a statement called a 'notice of correction' to the default entry. In your statement, you may like to say that the entry was included in your bankruptcy.

Carrot007

!!! wrote: »

From the ICO website:

I am currently bankrupt. On my credit reference file there is a default for an account which was included in my bankruptcy. Is this right?

Yes. If an account has been included in your bankruptcy, the lender should have marked the account in default. The default will stay on your credit reference file for six years from the date of the default.

You can ask the credit reference agency to add a statement called a 'notice of correction' to the default entry. In your statement, you may like to say that the entry was included in your bankruptcy.

The point is a backruptcy is a dafault and the default should not be later. Hence my question. A 'notice of correction' will just make the file look worse.

BigVanVaderBomb

Carrot007 wrote: »

Was the aqua card in the bankruptcy?

Yes it was.

fermi

See: Credit Reference File Clean Up Post Bankruptcy

The default must be recorded as no later than the date of the original bankruptcy order, NOT the discharge date.

Tell them that if they refuse to correct the default date, you will report the issue to the ICO, and take the matter to the FOS seeking redress.

wharty

As Fermi says its 6 years after default date not discharge. Write to their Data controller if getting nowhere with phone calls. I had issues with default dates and not only did I contact the data controller but I also notified Experian that the dates were wrong and they contacted my creditors for me.