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Bankruptcy hasn't removed all accounts
lumy
Posts: 25 Forumite
Hi :-)
I filed for bankruptcy a year ago and it has just been discharged, so I thought I'd see what my credit report looks like now!
There are a few things I find strange, but for starters, there are 3 accounts with Lowell that still show as active - 1 with payments being 6 months overdue and the others showing as OK in the monthly payments details. Shouldn't all these accounts be moved into the defaulted section following the bankruptcy and should I contact Lowell, the OR or the credit reference agencies?
Many thanks
I filed for bankruptcy a year ago and it has just been discharged, so I thought I'd see what my credit report looks like now!
There are a few things I find strange, but for starters, there are 3 accounts with Lowell that still show as active - 1 with payments being 6 months overdue and the others showing as OK in the monthly payments details. Shouldn't all these accounts be moved into the defaulted section following the bankruptcy and should I contact Lowell, the OR or the credit reference agencies?
Many thanks
0
Comments
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Contact Lowell and confirm with them.0
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Hi lumy and welcome to the forum
The two links below give comprehensive guidance on how to tidy up your credit file post bankruptcy
https://debtcamel.co.uk/credit-file-after-bankruptcy/
and
Credit Reference File Clean Up Post BankruptcyI work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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They should all show a zero balance, and be marked as settled, or satisfied.
All default dates should show the date of your bankrupcy, or earlier.
Any that dont, send a written complaint to the data controller at the company concerned, creditors always fudge this bit, as they are not always au fair with the guidence.
ICO would be your next step if they dont comply.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thanks for the details - I'll get on to Lowell0
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