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gigglingdi
Junior Member
176 Posts |
 Posted - 28 July 2012 : 17:35:10
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I was bankrupt in 2007, discharged in Nov 2007. I have a credit report from Callcredit which is showing as having 2 seperate ostg original default balances with Lloyds. This should have been cleared off with my bankruptcy so why are there still balances and what needs to happen to make these zero balances?
Also is it right that after say 6 years all previous cr cards/loans/debts showing on your report will not show anymore?
Many thanks.
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 28 July 2012 : 18:11:02
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Hi,
Are they showing as satisfied or settled? If not then you need to write to the data controller at Lloyds TSB and ask them to show it as settled, and also if the date of default is after your bankruptcy date, then you need to ask them to change that to the date of your bankruptcy.
You need to have a look at Experian and Equifax and check your creditors on there too, and do the same if needed.
Once they all show as satisfied and the date of default is your bankruptcy date or before, then they will all drop off your files at the 6 year point along with your bankruptcy.
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 |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 28 July 2012 : 18:26:54
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Sign up to Noddle - that is Call Credit and it's free so at least you can monitor it.
Experian and Equifax will cost £2 a time to check their records.
Worth doing and I recommend doint what Viki has suggested above and write to the Data Controller at Lloyds.
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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gigglingdi
Junior Member
176 Posts |
Posted - 28 July 2012 : 18:52:23
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Hi Viki
There is no satisified or settled wording on the report, other items on the report show as: Termination Balance £0. Lloyds just say:- Original Default Balance £….. going back from the date I was bankrupt to May 2012. Default date is showing as 10/07/2007.
Di
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 28 July 2012 : 19:01:52
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If that's the case then it should drop off now. Have a word with the credit agencies to see why that's not happened.
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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gigglingdi
Junior Member
176 Posts |
Posted - 28 July 2012 : 19:28:10
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Many thanks for your help.
Di |
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 28 July 2012 : 19:28:20
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If 10/7/07 was the date of default then it will drop off next year with your bankruptcy.
It's worth writing to them anyway to tell them to mark it as satisfied. And if that date is later than your bankruptcy then get them to amend it.
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 |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 28 July 2012 : 19:38:17
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Ignore me - I can't count!!! For some reason I was thinking it was the 6th year this year!!
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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gigglingdi
Junior Member
176 Posts |
Posted - 28 July 2012 : 19:50:18
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Thanks for the info, it's much appreciated.
Di |
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 28 July 2012 : 19:55:36
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Don't worry about it Niobe, I wrote 2010 as the year on a form today!!!! I'm obviously living in the past!
Good luck with your reports gigglingdi.
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 |
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pcoventry
Junior Member
United Kingdom
235 Posts |
Posted - 29 July 2012 : 03:03:46
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quote:
Originally posted by Viki.W
Don't worry about it Niobe, I wrote 2010 as the year on a form today!!!! I'm obviously living in the past!
Good luck with your reports gigglingdi.
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
haha nice one!
If I could do that i'd go back 10 years and never have got married and got into this mess :P |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 29 July 2012 : 07:55:08
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Hindsight is a wonderful thing!!
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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year 2029
Average Member
590 Posts |
Posted - 29 July 2012 : 14:28:29
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hmmm, to turn back the clock 10 years!
Maybe remember some lotto numbers in the process ;-)
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 29 July 2012 : 15:53:55
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I'd be out of this country - wish I could do it now!!
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 29 July 2012 : 15:57:39
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Me too, We'd buy one of those 8 million dollar houses in Disneyworld Florida!
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 |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 29 July 2012 : 17:24:57
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And I'd be coming to stop with you!!!!
Only two numbers and two lucky stars in the Euromillions this weekend and that's between 12 of us!
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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Topic |
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What needs to happen to make zero balances appear on credit report ?
