| Author |
 Topic  |
|
|
TROG
Starting Member
United Kingdom
31 Posts |
 Posted - 08 January 2016 : 14:22:44
|
| Hi, I declared myself bankrupt in Dec 2009 and discharged a year later. I have recently carried out a credit reference check and 2 debts that were included in the bankruptcy are showing default. How can I change these to show that they are not in default? Many thanks. |
|
|
Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 08 January 2016 : 14:32:14
|
Hi,
What you need to do is contact those creditors and tell them to remove the defaults - you may need to send them a copy of your discharge so they can alter it.
The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant
|
 |
|
|
Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 08 January 2016 : 14:55:47
|
Hi,
What's the last default date?
Write to the data controller for each one asking them to remove the entries completely now as these should have both dropped off in December.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
|
|
|
TROG
Starting Member
United Kingdom
31 Posts |
Posted - 11 January 2016 : 11:01:05
|
| Thank you for the replies. They show default every month from the BR up to this month. One is Barclays and the other is with Lloyds. |
|
|
|
Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 11 January 2016 : 12:05:49
|
Hi,
You need to get them removed to the date of BR. If you have a copy of your discharge then do as Viki suggests and tell them to remove the defaults within 28 days otherwise you will make a complaint.
The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant
|
|
|
|
Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 11 January 2016 : 14:43:37
|
6 years have passed since your bankruptcy so tell them that and tell them as their last default date should have been December 2009, then they will need to completely remove all trace of the entries now.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
|
|
|
TROG
Starting Member
United Kingdom
31 Posts |
Posted - 11 January 2016 : 14:45:39
|
| Will do. Thanks again |
|
|
|
Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 11 January 2016 : 15:21:19
|
Let us know how you get on.
The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant
|
|
|
|
TROG
Starting Member
United Kingdom
31 Posts |
Posted - 13 February 2016 : 12:42:42
|
| Hi, I have recently received my credit reports and some of the debts included in the BR have completely disappeared from my record, there is no mention of them at all, is this normal? |
|
|
|
TROG
Starting Member
United Kingdom
31 Posts |
Posted - 13 February 2016 : 12:48:56
|
| Hi again, I have a debt with Orange mobile that also included in the BR, it shows a balance of £56.00 and it is marked 'up to date' although I no longer use this account. Should it show settled or partially settled instead? |
|
|
|
Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 13 February 2016 : 13:03:42
|
Yes they disappear after 6 years.
Strange with the orange account, I'd write to them to ask them to remove the entry altogether now as the 6 years have passed.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
|
|
|
TROG
Starting Member
United Kingdom
31 Posts |
Posted - 13 February 2016 : 13:13:28
|
| Thanks again |
|
|
|
Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 13 February 2016 : 14:23:42
|
Agree with Viki - get them to remove it.
The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant
|
|
|
| |
Topic |
|
How can I correct defaults ?
