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Credit card still shows as active in bankruptcy
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outta_control
Posts: 12 Forumite
Hi, guys, I hope this is the right place...
I went bankrupt in March last year, Inc in the BR order was a credit card from Halifax as well as 2 other accounts, loan and current account. The 2 last accounts were closed and put into default but the credit card still appears open and active as I keep getting statements and I checked on my clear score today and this account is saying I've missed payments since I went BR. I have spoken to Halifax months ago about it and they said it was not active and left it at that but it seems active to me as my statements say I've only used £200 of my £500 limit. What do I do now?
Many thanks, Gaz
I went bankrupt in March last year, Inc in the BR order was a credit card from Halifax as well as 2 other accounts, loan and current account. The 2 last accounts were closed and put into default but the credit card still appears open and active as I keep getting statements and I checked on my clear score today and this account is saying I've missed payments since I went BR. I have spoken to Halifax months ago about it and they said it was not active and left it at that but it seems active to me as my statements say I've only used £200 of my £500 limit. What do I do now?
Many thanks, Gaz
0
Comments
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Contact Halifax and ask them to update it accordingly.
Failing that go to the FOS0 -
Write to Halifax and say that a creditor must not contact a debtor once a bankruptcy order has been made, and accordingly you trust they will not be corresponding further.0
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outta_control wrote: »Hi, guys, I hope this is the right place...
I went bankrupt in March last year, Inc in the BR order was a credit card from Halifax as well as 2 other accounts, loan and current account. The 2 last accounts were closed and put into default but the credit card still appears open and active as I keep getting statements and I checked on my clear score today and this account is saying I've missed payments since I went BR. I have spoken to Halifax months ago about it and they said it was not active and left it at that but it seems active to me as my statements say I've only used £200 of my £500 limit. What do I do now?
Many thanks, Gaz
Hi,
The procedure for credit file clean up after bankrupcy can be found here :
https://debtcamel.co.uk/credit-file-after-bankruptcy/
Bankrupcy encompasses all your debts at the time its granted, follow the link and it tells you who to complain to and when, and where, to escalate your complaint if they won`t 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 guys for the advice...will deffinatley be checking the debtcamel link.
Gaz0
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