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Post Discharge "Non debt" sold on.
Morfx
Posts: 129 Forumite
Afternoon,
Long time since my last post on the forum..
All gone swimmingly and is the second best forum I've found ( Apologies, but the Urban Art Association ) took first place.
So, declared BR in 2020, Discharged in 2021, cleaned up my credit file with all the lenders.... or so I thought..
A previous Credit card debt has been sold on by Lloyds to a company called Link Finical, which has popped up as a new account on my credit file.
Spoke with Link who have said they won't enforce the debt due to the BR, but my question is, why would Lloyds sell this debt on in Sept 24 after being fully aware of my BR and discharge.
Thank you.
** if your reading this, Do not be afraid of declaring bankruptcy, this was the best move for me and pretty much saved my life **
Long time since my last post on the forum..
All gone swimmingly and is the second best forum I've found ( Apologies, but the Urban Art Association ) took first place.
So, declared BR in 2020, Discharged in 2021, cleaned up my credit file with all the lenders.... or so I thought..
A previous Credit card debt has been sold on by Lloyds to a company called Link Finical, which has popped up as a new account on my credit file.
Spoke with Link who have said they won't enforce the debt due to the BR, but my question is, why would Lloyds sell this debt on in Sept 24 after being fully aware of my BR and discharge.
Thank you.
** if your reading this, Do not be afraid of declaring bankruptcy, this was the best move for me and pretty much saved my life **
0
Comments
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They do it because they can. Because they haven't updated their records correctly. Because they are idiots.
It happens quite a lot unfortunately.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions 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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
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"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅1 -
Lots of posts currently about bankruptcy debts being sold years after discharge, and your lenders name keeps popping up as does Link as well.
Totally unenforceable, but annoying that it has re-appeared on your credit file.
Go down the complaints route, ask for compensation for there stupidity, escalate to the FOS/ICO if you can, make trouble for them, get some money out of them, earn them a rap on the knuckles, it might make them think twice next time.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 -
Evening...
Firstly guys and girls... I want to say a big thank you to all tge forumites that have posted over the years... this has been invaluable to me and relived alot of stress and I have gained some knowledge too...
I am now three months shy of my bankruptcy falling off my credit file, all debts are satisfied and I will have a clean credit file come February.
*** PLEASE READ ***
If you are struggling with debts, please ask for help... I found it so hard to make to make my first post and wish I had of done it sooner..
I found it hard to admit a f*cked up and buried my head in the sand.. it doesn't get easier if you don't address it..
Im nearly 6 years post bankruptcy and life is good, I had an IPA and a BRU.. but to have that weight lifted once approved for BR was effectively priceless..
The clearer you are with your situation, the more effective/beneficial the replys will be..
I cant thank you all enough.
Big love
Morfx
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