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Missing creditor on my credit report
paul1672
Posts: 45 Forumite
Hi there.
I was declared bankrupt in November 2017 and I’ve been keeping an eye on my credit report and all seemed ok apart from one or two saying late payment instead of default and some still showing incorrect default date which I will contact them about once I start the credit report clean up process once I’m discharged but what I am a little bit concerned about is one of the credit card creditors I had has disappeared from my report without trace. I know they sold on the debt but it hasn’t showed up with the new company either and I can’t remember who it was that bought the debt.
Should I be concerned? And if so, who should I contact?
Thanks in advance
Paul
I was declared bankrupt in November 2017 and I’ve been keeping an eye on my credit report and all seemed ok apart from one or two saying late payment instead of default and some still showing incorrect default date which I will contact them about once I start the credit report clean up process once I’m discharged but what I am a little bit concerned about is one of the credit card creditors I had has disappeared from my report without trace. I know they sold on the debt but it hasn’t showed up with the new company either and I can’t remember who it was that bought the debt.
Should I be concerned? And if so, who should I contact?
Thanks in advance
Paul
0
Comments
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THEY should be worried....not you
ALL debts (except council tax, compensation awards and student loans are wiped/zapped/lost in space... (i think)0 -
maxmycardagain wrote: »THEY should be worried....not you
ALL debts (except council tax, compensation awards and student loans are wiped/zapped/lost in space... (i think)
dependant on the council, we will wipe any council tax debt up to a final notice for current year. doesnt matter if liability orders or not for previous debt.
BUT, legally, if liability order is obtained, a council cannot chase you for the debt, but can still instruct bailiffs to collect debt on a liability order0 -
Surely if I pay a CT bill pre-BR does that not make them a preferential creditor in the eyes of the IS?0
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maxmycardagain wrote: »Surely if I pay a CT bill pre-BR does that not make them a preferential creditor in the eyes of the IS?
surely not, this is a legitimate expense?0
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