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  • FIRST POST
    • theoverthinker
    • By theoverthinker 7th Aug 18, 11:44 AM
    • 3Posts
    • 1Thanks
    theoverthinker
    Debt still showing on credit file after bankruptcy
    • #1
    • 7th Aug 18, 11:44 AM
    Debt still showing on credit file after bankruptcy 7th Aug 18 at 11:44 AM
    Hi all

    Wondering if someone can shed some light on this for me please - I'll try explain as much as I can. I declared bankruptcy just over a year ago (and now discharged whoop!) yet when I check my credit file on Noddle and Totally Money it is showing that there are still some debts there showing as default totaling around 5k and there are also active CCJs - this worries me as everything was included in my bankruptcy so wondering why these are still showing? Debts totaled just under 19k when I went bankrupt.

    Hoping someone can shed some light on this for me. Thanks
Page 1
    • anna_1977
    • By anna_1977 7th Aug 18, 11:48 AM
    • 778 Posts
    • 1,048 Thanks
    anna_1977
    • #2
    • 7th Aug 18, 11:48 AM
    • #2
    • 7th Aug 18, 11:48 AM
    I think I'm correct in saying that the CCJ's/Defaults etc will stay on your credit file for 6 years after the date of issue, regardless of BR.

    I'm sure someone with more knowledge will also comment
    • theoverthinker
    • By theoverthinker 7th Aug 18, 11:53 AM
    • 3 Posts
    • 1 Thanks
    theoverthinker
    • #3
    • 7th Aug 18, 11:53 AM
    • #3
    • 7th Aug 18, 11:53 AM
    yeah my issue is though that it still says I have "open accounts" which are still showing a sum of debt - and that also the CCJs are still active - I know that all debts, ccjs, bankruptcies etc. stay on file for at least 6 years
    • anna_1977
    • By anna_1977 7th Aug 18, 12:15 PM
    • 778 Posts
    • 1,048 Thanks
    anna_1977
    • #4
    • 7th Aug 18, 12:15 PM
    • #4
    • 7th Aug 18, 12:15 PM
    sorry, didn't read properly

    Hopefully someone like Sourcrates will come and advise correctly
    • sourcrates
    • By sourcrates 7th Aug 18, 1:32 PM
    • 15,500 Posts
    • 14,591 Thanks
    sourcrates
    • #5
    • 7th Aug 18, 1:32 PM
    • #5
    • 7th Aug 18, 1:32 PM
    Hi,

    You need to raise a complaint with the creditors concerned.

    The defaults should show your bankruptcy date or be dated prior to that date, the CCJ'S should be marked as satisfied as they are extinguished in bankruptcy.

    Not all creditors are on the ball with these things.
    Last edited by sourcrates; 07-08-2018 at 1:34 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • theoverthinker
    • By theoverthinker 7th Aug 18, 1:53 PM
    • 3 Posts
    • 1 Thanks
    theoverthinker
    • #6
    • 7th Aug 18, 1:53 PM
    Thanks
    • #6
    • 7th Aug 18, 1:53 PM
    Great thanks you I will contact them
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