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?
Edited by - hairandbeauty on 01 March 2012 19:42:05
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
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.
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.
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.
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.
Default
Posted - 01 March 2012 : 19:24:39
