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jane.m
Junior Member
230 Posts |
 Posted - 03 January 2009 : 23:51:25
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HI
I KNOW AFTER 6 YEARS A BANKRUPCY IS REMOVED FROM YOUR CREDIT FILE AND THE INSOLVENCY WEBSITE BUT DOES IT GET REMOVED THE GAZETTE ARCIVES OR CAN CREDITORS STILL LOCATE IT EVEN WHEN IT HAS BEEN REMOVED FROM YOUR CREDIT FILE.
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 04 January 2009 : 10:36:52
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It remains in the London or Edinburgh Gazette archives even after the 6 years. It is also archived somewhere (can't remember where) else in a central archive.
Also, don't forget that if you are applying for any form of credit and you are asked if you have ever been BR then you have to answer yes, no matter how long ago your BR was.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
18 IPA payments to go! |
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Jez
Starting Member
United Kingdom
49 Posts |
Posted - 04 January 2009 : 12:50:07
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Hi Jane,
As Skippy says, the br status is removed from the credit file but the gazette archives remain.
A creditor will use the credit reference agencies to determine you credit worthiness, they wouldn't normally go trawling through the bankruptcy archives to decide whether to provide credit because they can just ask you, and your are obliged by law to inform them of your br statis if asked.
I'm not sure if I have ever applied for credit where I have been asked if I was br, but then I'm not br yet, so I wouldn't necessarily have paid much attention to it.
Jez |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 04 January 2009 : 13:20:35
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Hi Jez
No i dont recall ever being asked about ever being bankrupt until recently, when i went to open a basic nat west account, it asked on the application form and obviously i had to say yes. Other than that nope nothing in the past as far as i am aware.
Best of luck all
Jo
x
22 Weeks down
30 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring! |
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zamfir
Junior Member
303 Posts |
Posted - 04 January 2009 : 14:55:55
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| The only times I've been asked about my Bankruptcy status is when opening my NatWest Current Account and nearly every Home Insurance policy. |
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soooo scared
Starting Member
United Kingdom
19 Posts |
Posted - 04 January 2009 : 15:21:22
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| Oh no i never thought about home insurance. Does that mean i won't be able to get cover again? |
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Topic |
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IS BANKRUPCY CLEARED AFTER 6 YEARS
