Note: You must be registered in order to post a reply. To register, click here. Registration is FREE!
T O P I C R E V I E W
Hayley.36
Posted - 20 August 2011 : 12:32:47 my credit file shows that up to 4 months after i declared myself bankrupt I have had defaults registered against me - two by companies i have never dealt with and don't know who they are. I declared BR in Jun 09 and these defaults are showing from October 09. Should my credit file all be cleared from bankruptcy - how come they state on my file i defaulted months after i was declared BR. trying to repair my credit and need this resolved. Thanks
4 L A T E S T R E P L I E S (Newest First)
Skippy
Posted - 20 August 2011 : 15:32:33 They shouldn't do it but they do unfortunately - Tesco are still defaulting me and I've been discharged 3 years.
Creditors won't automatically mark your file as satisfied when you are declared BR it's down to you to contact them. Also, they don't have to say satisfied, they usually say say partially satisfied.
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side.
hayleywils
Posted - 20 August 2011 : 14:26:36 sorry i never properly expained myself. I was not in default with anyone at all and decalred BR when I was made redundant as I knew i would end up in debt with everyone and no means of paying it off. I had never missed a payment at all and it was difficult to convince the judge to allow me to do it. However, as the companies have recorded a default 4 months after the BR this should not have been allowed. I went BR in Jun 09 and the defaults are registered Oct and Nov 09 which is impossible as they should have been marked as satisfied the day of the BR. I have called Experian and they are going to sort this out for me but technically I had no arrears or defaults at all at the time of BR. thanks for your answers, this is a very intersting forum. hayley
Skippy
Posted - 20 August 2011 : 13:31:47 To be honest I would probably leave it if it's only a matter of a few months. I've got a couple of defaults like that and I can't be bothered for the sake of a couple of months.
Regarding the names you don't recognise - it could mean that some debts have been sold on to these companies. For example I had a debt with Virgin and it was sold to Max Recovery.
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side.
Niobe
Posted - 20 August 2011 : 12:49:36 You won't be able to clear your record completely as the BR will show for six years.
If you have a copy of the Insolvency Regiser record of when you were discharged then I'd send a copy of that to the companies concerned and ask them to remove the defaults.
However, it might be worth leaving it as there's only a few months from when the BR drops off to when the defaults do.
Follow through Make your dreams come true Don't give up the fight You will be alright 'Cause there's no one like you in the universe
