| T O P I C R E V I E W |
| bindidp |
Posted - 14 December 2008 : 20:24:51
I was made bankrupt in december 2006 and discharged in June 2007 when I check my credit file all the debt that where in the bankrupty are still active including a county court judgement. I did send a copy of my discharge certificate to all my creditors but only 1 has closed the account. Should the accounts be closed or will they remain like that untill the 6 years has passed. I must also add that the offical receiver did rather a bad job on my bankruptcy and I did end up doing most of the work myself. |
| 4 L A T E S T R E P L I E S (Newest First) |
| pix1 |
Posted - 17 December 2008 : 13:17:54
The bankruptcy will stay on the credit file for 6 years and this will be bad for obtaining credit for up to 6 years but it is worth making sure all the creditors update your file so that people could see you did not have outstanding balances. |
| bindidp |
Posted - 16 December 2008 : 12:00:03
quote:
Originally posted by John
Hi
having previously written to all the creditors I would now try writing to the credit reference agencies showing copies of the creditor letters you have previously sent and the details of your discharge.
www.Bankruptcyhelp.org.uk
0800 078 9367
Thanks for your reply I was hoping that I wouldn't have to do that as it just means more expense for me. I don't have the copies of the letters I sent as this was 18 months ago, and it was just a basic letter anyway. If I just leave it would it disappear when the banruptcy comes to an end, it's not like anyone will give me any credit anyway and I don't need to apply for any.
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| pix1 |
Posted - 15 December 2008 : 17:40:39
I would write again to each creditor and send the letters recorded delivery. Try to make sure the right person gets the letter. This sounds obvious but in my case I am never too sure who actually controls each debt I have at any one time. They seem to get passed from pillar to post. I suppose its possible they might deliberately drag their feet out of annoyance, too. It is, of course, your right that they update details. |
| John |
Posted - 15 December 2008 : 11:17:23
Hi
having previously written to all the creditors I would now try writing to the credit reference agencies showing copies of the creditor letters you have previously sent and the details of your discharge.
www.Bankruptcyhelp.org.uk
0800 078 9367 |
