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xmas baby
Average Member
537 Posts |
 Posted - 02 June 2011 : 14:13:20
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Hello,
I wonder if anyone can help me as I'm very confused about this?
I petitioned for bankruptcy on 10 March 2009 and was discharged one year later in 2010. I have been looking at my credit file with Equifax and I am not sure whether my file has been cleaned up yet. If I give a list of the items, can anyone tell me if I need to contact the suppliers or is the file okay?
Halifax
default date: 27/04/2009
Status: defaulted
Date updated: 11/06/2009
Natwest personal loans
Status: settled
date updated: 14/09/2009
date satisfied: 26/08/2009
Preference cards
default date: 27/04/2009
status: defaulted
date updated: 09/06/2009
Natwest current account
status: settled
date updated: 15/09/2009
date satisfied: 26/08/2009
Natwest card services
default date: 23/03/2009
status: defaulted
date updated: 07/06/2009
I'm finding this really confusing and don't know whether I need to do anything and contact the suppliers or not about the 'defaulted' ones or even the 'settled' ones. Can anyone help please?
Thank you
xmas baby |
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Blackie
forum expert
United Kingdom
565 Posts |
Posted - 05 June 2011 : 15:54:22
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Hi xmas baby
The creditors who are still showing a default position on your accounts are the people who you should contact. All your debts should have been included in the bankruptcy, written off and therefore settled.
Any problems, please contact the forum again.
All the best
John Blackadder
For help and advice on the easiest and most effective way to a debt free future, please go to www.bankruptcy365.co.uk. |
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debtinfo
forum expert
2826 Posts |
Posted - 05 June 2011 : 16:02:52
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Basically the date of the default should be at the latest the bankruptcy order date or before.
All the debts should now say settled or partially settled |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 05 June 2011 : 16:07:04
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Once the six years are up, any creditors still showing a default should be written to and told to remove anything after the date of the BR.
The world is broken, halos fail to glisten
We try to make a difference but no one wants to listen
Hail the preachers, fake and proud
Their doctrines will be cloud
Then they'll dissipate like snowflakes in an ocean
Jan
xxx |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 05 June 2011 : 17:38:18
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A link about updating your credit files has been posteda few times so it would be worth having a look for that. I would repost it but I'm using my phone and it's not as easy as using a PC!
View my blog at http://skippy13.blogs.iva.co.uk/
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 - it's over at last! |
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Bigal4787
forum expert
United Kingdom
641 Posts |
Posted - 05 June 2011 : 23:09:40
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Hi,
the link is:
http://forums.moneysavingexpert.com/showthread.php?t=677875
hope it helps,
Big Al
Insolvency examiner with the Insolvency service from April 2008 - July 2010.
If you need help completing SOA's(statement of affairs) or PIQ's(preliminary information questionnaire) if you've been declared bankrupt, or anything else and you're within 30 miles or so of Warrington, then please contact me via my contact details in the expert page for futher details"
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xmas baby
Average Member
537 Posts |
Posted - 06 June 2011 : 10:17:43
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Thanks for the advice, everyone.
I will contact those creditors who have still got 'defaulted', although I am a bit confused by one contributors advice about contacting them after 6 years. Surely my file is automatically 'cleansed' after 6 years anyway and there would be no need to contact the creditors after this time?
xmas baby |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 06 June 2011 : 11:20:17
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Any defaults will stay on your credit file for 6 years from the date they are issued. Therefore any issued on or before your BR date will drop off after 6 years, but any issued afterwards will still be showing after the BR disappears.
View my blog at http://skippy13.blogs.iva.co.uk/
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 - it's over at last! |
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 06 June 2011 : 11:47:20
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Hi xmas baby,
You need to start cleaning your credit file up now as if a creditor is showing default and not satisfied, ie, it's in red and not green, then you will have difficulty getting any credit. You can get certain credit even if BR is showing.
I was turned down for a vanquis credit card because of this apparently, or so credit expert say. 3 of my creditors were still showing as default.
Credit expert have sent letters to all of my creditors and Lloyds TSB have already amended their entry to show as satisfied.
You can send the letters yourself though.
Good luck.
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
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/ |
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xmas baby
Average Member
537 Posts |
Posted - 06 June 2011 : 13:46:44
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Thanks viki and everyone who has replied to my query. I think I will just send a letter to all of them, even the 'settled' ones as the dates they have listed fall after the date of my bankruptcy. The last thing I want is for these to still be on my file 6 years after my bankrupcty.
xmas baby |
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Bigal4787
forum expert
United Kingdom
641 Posts |
Posted - 06 June 2011 : 13:57:33
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Hi XmasBaby
the settled ones will show as settled after the date of your bankruptcy, as you're liabilities are not fully discharged, until you are actually discharged from bankruptcy(that's why with with such things as benefit overpayments etc. the agency involved can still recover payments until discharged from bankruptcy, when the balance will be claimed in bankruptcy)
Hope it helped!
Big Al
Insolvency examiner with the Insolvency service from April 2008 - July 2010.
If you need help completing SOA's(statement of affairs) or PIQ's(preliminary information questionnaire) if you've been declared bankrupt, or anything else and you're within 30 miles or so of Warrington, then please contact me via my contact details in the expert page for futher details"
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xmas baby
Average Member
537 Posts |
Posted - 06 June 2011 : 16:33:48
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Thanks Big Al,
So I should only be concerned with those creditors who are either still listed as 'defaulted' or any one which are 'settled' but with a date which is beyond my bankruptcy discharge date. Is that correct?
If this is the case, all my 'settled' have dates within my 1 year period of bankruptcy, so they should be okay. I will definately send letters to the two creditors which still show defaulted though.
Thanks again for all the advice
xmas baby |
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Topic |
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Confused about cleaning up my credit file
