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"Settled" loan included in bankruptcy changed to "active" 5 1/2 years later
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Rscott93
Posts: 51 Forumite

Hello all.
I declared myself bankrupt on 28/02/2017 and was discharged on 28/02/2018.
One of the creditors of whom was included in the bankruptcy was a loan from Post Office Money (Bank of Ireland). I had a long drawn out battle with them after following the advice in Fermi's "post bankruptcy credit file clean up" thread on here. Essentially they were refusing to update the default date to reflect 28/02/2018 as per DPA requirements. I raised a formal complaint with them subsequently going to the ICO (Information Commisioners Office) and FOS (Financial Ombudsman Service). Following this I was awarded a fee in compensation and the credit was made to correct my file to reflect the debt as "SETTLED" and the default date correctly reflecting 28/02/2018.
I have just been checking my credit records as I am coming close to the 6-year post bankruptcy period and it appears that Post Office Money, a few months after the above, have changed the debt back to active. There is no record of a default and the account status simply shows the balance which was left to pay and does not have any suggestion that it is settled. This is on Experian.
What on earth am I supposed to do? I have worked tirelessly over the past 6 years to rebuild my credit history, save up a deposit for a mortgage and other things amongst this.
Do I go through the complaints route with Post Office Money again or do I go straight to the ICO / FOS, knowing full well that there is currently a significant backlog?
For what it's worth, I have kept copies of all the original correspondence including the letter from the FOS / ICO advising them of what they need to do.
Any advice here would be greatly appreciated.
I declared myself bankrupt on 28/02/2017 and was discharged on 28/02/2018.
One of the creditors of whom was included in the bankruptcy was a loan from Post Office Money (Bank of Ireland). I had a long drawn out battle with them after following the advice in Fermi's "post bankruptcy credit file clean up" thread on here. Essentially they were refusing to update the default date to reflect 28/02/2018 as per DPA requirements. I raised a formal complaint with them subsequently going to the ICO (Information Commisioners Office) and FOS (Financial Ombudsman Service). Following this I was awarded a fee in compensation and the credit was made to correct my file to reflect the debt as "SETTLED" and the default date correctly reflecting 28/02/2018.
I have just been checking my credit records as I am coming close to the 6-year post bankruptcy period and it appears that Post Office Money, a few months after the above, have changed the debt back to active. There is no record of a default and the account status simply shows the balance which was left to pay and does not have any suggestion that it is settled. This is on Experian.
What on earth am I supposed to do? I have worked tirelessly over the past 6 years to rebuild my credit history, save up a deposit for a mortgage and other things amongst this.
Do I go through the complaints route with Post Office Money again or do I go straight to the ICO / FOS, knowing full well that there is currently a significant backlog?
For what it's worth, I have kept copies of all the original correspondence including the letter from the FOS / ICO advising them of what they need to do.
Any advice here would be greatly appreciated.
0
Comments
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You can't go straight to FOS.
Either complain to PO or escalate a complaint to Experian.0 -
Rinse and re-peat with the complaint I`m afraid.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
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Rinse and repeat but also ask for significantly more in compensation for this.1
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