Bankruptcy Credit Reference File Clean Up - Discussion

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  • robthered
    robthered Posts: 8 Forumite
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    One comment about the bankruptcy process, anyone else find this hypocritical? comic even?...

    The courts (rightly) say it's wrong/illegal for Banks to bill us £25+ for a letter, (my bank now charges £12 for admin)
    BUT
    The courts... those guardians of fair play... charge us a WHOPPING £70 for a letter to show your discharge from bankruptcy!

    not a replacement for the careless who lose it, no... for the first one! that creditors may demand to see to clean your credit report!

    something's wrong there!

    1 hour of admin worker's time (slowest worker ever) £10. 500sheets of A4 £10. Kodak black ink £6ish... an envelope... 20p? a stamp45p? and it costs £70 to send?
  • dojoman
    dojoman Posts: 12,027 Forumite
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    Have you contacted the ICO about your problems?
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • WLITC
    WLITC Posts: 1,029 Forumite
    Name Dropper Photogenic First Post First Anniversary
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    Well I have officially completed my clean-up. :beer:

    It funny, the whole process has been quite satisfying. I've been signed up to Equifax for a free trial, so I've been generating a new report every few days and got a little buzz everytime one of my creditors updated my file. I know its kinda lame, but now its done I have a weird sense of satisfation. :jNot sure why, as i've merely got my old creditors to update things to exactly what they should be. Perhaps its because it feels like I'm moving yet another step closer to rebuilding and have a new (and normal) life again.

    Anyway, I just wanted to share and would totally advise everyone to go ahead and do it. Its super easy and there are a numerous various reason why everyone should.
  • Tupperware_Queen
    Tupperware_Queen Posts: 1,794 Forumite
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    thats good news!

    I will be starting mine in a couple of months
    Getting fit for 2013 - Starting weight 10.1.13 88.1kg
    Weight 27.3.13 79.1kg :( weight 2.4.13 79.9kg Weight 24.4.13 77.8kg. 4.6.13 76kg

    BSC member 331
  • dojoman
    dojoman Posts: 12,027 Forumite
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    Have just checked my online credit file with experian and the Nationwide account now says this,

    Special Instruction Indicator: Partial Settlement
    Special Instruction Start Date: 0x/0x/20xx
    Started: 0x/0x/20xx
    Default Balance: £xxx
    Overdraft Balance: Satisfied
    Defaulted On: Date of my BR


    Does this mean they have now updated their records and it is now "satisfied"?
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • dojoman
    dojoman Posts: 12,027 Forumite
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    Bump....................
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • fermi
    fermi Posts: 40,546 Forumite
    First Anniversary First Post Combo Breaker Intrepid Forum Explorer
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    That looks OK dojo. :)
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • dojoman
    dojoman Posts: 12,027 Forumite
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    Thanks Fermi, that was my last creditor who had not updated my file, all the others had already been updated:)
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • out_of_cash
    out_of_cash Posts: 763 Forumite
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    just finished mine, it took forever although i did have 13 creditors which i suppose is quite a lot.
  • Loopy1
    Loopy1 Posts: 223 Forumite
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    A_New_Dawn wrote: »
    I received a letter from Eversheds today saying MBNA sold on my account to them last month which is odd as I've been discharged since March this year...

    Spoke to the OR and they said they are just chancers...

    Anyone else had a similar letter today?

    yes I got one too and I was discharged last year
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