| T O P I C R E V I E W |
| hairandbeauty |
Posted - 01 March 2012 : 19:24:39
Hi guys
I was bankrupt feb 2009 and discharged oxt 2009
I've got my life bank on track and been approved for a mortgage the day before the mortgage offer was given a supervior said no as I have two Defaults on my account one for HSBC and one for egg however both show as settled.
The accounts I had with them were never defaulted before the date of the bankruptcy but were not shut down and marked as satisfied till 2011
I have wrote to both banks on many occasions to have this information updated and never had any response apart from its been marked as satisfied. HSBC marked all my other accounts as settled at the time of bankruptcy no problem but not this one they forgot to shut.
Is there anything else I can do as this is effecting me gp moving on in my life? |
| 6 L A T E S T R E P L I E S (Newest First) |
| Skippy |
Posted - 04 March 2012 : 11:39:20
I've just reread your post - if you went BR February 2009 the default won't drop off your credit file until February 2015 as they stay until 6 years from the date of default. Defaults cannot be issued after the date of BR, but providing the account now shows as settled the default will remain.
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 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side. |
| RHB |
Posted - 04 March 2012 : 10:33:07
2009 is relatively recent so I would be surprised if you would be able to get a mortgage in this economic climate. |
| Skippy |
Posted - 02 March 2012 : 12:48:21
If they won't remove the default you will need to write to the Information Commissioner and they have the power to force them to comply. If you search for the ICO you will find the details.
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 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side. |
| hairandbeauty |
Posted - 02 March 2012 : 08:23:48
Hi I wrote to them on numerous occasions but had no reply so don't know how to take it further |
| Niobe |
Posted - 01 March 2012 : 19:56:24
Hi,
Write to the data controller for HSBC and tell them to remove any defaults after the date of BR. Give them 28 days and then tell them you will take the matter further.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
Jan
xxx |
| hairandbeauty |
Posted - 01 March 2012 : 19:26:29
I may add the default balance for HSBC was only £131 |
