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paulsc
Junior Member
289 Posts |
 Posted - 19 April 2009 : 10:44:33
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I have 8 debts creditors not been in contact or 6yrs but paid a token payment of £1 to most a LLYods debt not be paid for 4 yrs as stopped cashing cheque i was sending ..
I am reluctant to check credit file as creditrs will find me before bankrutcy
Is there any chance that some of theses debt would be written off and forgotten about
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 19 April 2009 : 10:47:04
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I don't think that checking your credit file will alert your creditors as it's not the creditors that you write to. It might be worth checking your credit files (Equifax, Experian and Callcredit) to see what debts are active.
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/
22 IPA payments made, 14 to go - on the home straight! |
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paulsc
Junior Member
289 Posts |
Posted - 19 April 2009 : 10:48:23
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mick1972a
Junior Member
235 Posts |
Posted - 19 April 2009 : 12:11:07
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| Paul do as Skippy mentioned, you can check your file online for 30 days for free. You will find out instantly if they have been written off or satisfied |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 19 April 2009 : 12:13:05
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Alternatively, if you don't have a debit card with which to get your 30 day trial (you just cancel before the end of the 30 days), you can write to them and request a copy. I think it cost about £2.
The glimmer gets brighter all the time
Jan
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John
New Member
United Kingdom
73 Posts |
Posted - 19 April 2009 : 13:17:11
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Hi
may I just say that in this world of dog eat dog I would not assume that checks on your own credit report are not forwarded onto creditors themselves by the checking agencies.
Of course I can't be sure but when local authorities "sell" electoral roll info to would be marketeers (which they do, as does, I believe, certain departments of the NHS etc etc)it wouldn't surprise me and logic also tells me that there is profit to be made by the agencies as this is red hot info.
As far as the old debts go, of those you have been making token payments to none would be written off by the Statute of Limitations as by making any payment you are recognising the debt is yours.
It only "works" (potentially) if all contact has been severed for a minimum 6 years.
As you plan bankruptcy for those debts you have been making a contribution to, the Lloyds debt will be included anyway.
John White
England Jackman & Spacey |
Edited by - John on 19 April 2009 13:18:18 |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 19 April 2009 : 14:57:21
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If that's the case John my creditors must be sick of me - I'm about to apply for my files for the 4th or 5th time!
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/
22 IPA payments made, 14 to go - on the home straight! |
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paulsc
Junior Member
289 Posts |
Posted - 19 April 2009 : 16:50:42
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may get file day before bankrutcy
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John
New Member
United Kingdom
73 Posts |
Posted - 19 April 2009 : 18:04:03
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Hi Skippy
well of course the agencies would only be benefiting the creditors if your whereabouts were passed to them pre bankruptcy as paulsc is at present so in your case there's no advantage in disclosing.
I confess I have never bothered to try and update my credit file but I know I should soon as it's been almost 3 years now. Particularly worrying is a report I paid for 2 months ago which on no less than 9 of my previous debts a default is still being registered month on month and the crazy thing is there is no mention of my bankruptcy!!
And every single one of us is at the mercy of the main 3 agents, bankrupts and non bankrupts alike, when applying for credit so how did my bankruptcy not get listed. Does that mean if I get the defaults sorted directly with the creditors and they post as satisfied, that with no BR on the file I'm as clean as a whistle??????
Don't worry...I really am not tempted by the thought in any way whatsoever!!!
John White
England Jackman & Spacey |
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paulsc
Junior Member
289 Posts |
Posted - 19 April 2009 : 18:18:23
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After bankrutcy i will have no interest in my credit file..
A little curious to see whats on it now.
Do debts ever get written off or always sold on
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 19 April 2009 : 18:31:41
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I've applied for mine yet again as I think everything has been updated except Tesco. I wrote to them to ask them to update it last year, but due to various things going on I never got around to chasing them up. When I know if everything else is ok I'll try and get Tesco sorted out!
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/
22 IPA payments made, 14 to go - on the home straight! |
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another mystrey
