Went bankrupt 2016

Bear_Saxo

hi guys,
I went bankrupt in 2016 so discharged july2017 therefore I've been discharged 3 years by now.
I went bankrupt and I had about 12 creditors, some of those were settled on credit report and have already been removed although I have a credit card, loan and overdraft with lloyds which all show as default and show the amounts still. 
I was under the impression they would show as settled as I'm discharged so I created a ticket on clearscore explaining my reasoning and lloyds have said that everything is correct and closed the ticket...
How do I get this to show as settled as I'm worried they will try chase me for thousands in 2 years time when the bankruptcy is removed from my credit report.

Also I have a shop direct account in the same situation.

Any help please
Thank you

sourcrates

No one can chase you for anything, your debts were written off on discharge.
All accounts should show as defaulted, with the default date being the date of your bankruptcy or before.

Doesn’t really matter if it says settled or not.

6 years from the default date the entries will disappear from your file.

Keep evidence of your bankruptcy for future reference.

Simples.

Bear_Saxo

Thanks sourcrates so i won't need to send them a letter to correct the balance, in 2years time they will dissappear? 

luvchocolate

At 6 years post BR they along with the BR itself will not show anymore on credit reports. 
These debts were written off upon discharge and no longer exist 

Bear_Saxo

So even though they still show figures owing i should just ignore it as all is OK?

sammyjammy

That is correct, as said above they will be removed completely from your credit report either at six years post Bankruptcy or six years post Default date whichever is earliest, there is no action required by you.

Bear_Saxo

Thank you guys 👌