I went bankrupt in 11th feb 2009 and discharged 15th oct 2009
Every bank has marked my account as satisfied and not marked the account wi a default.
HSBC have a default on my account after the bankcruptcy date (all payments were made up until the date of the bankcruptcy)
The ir and myself wrote to them with a copy of my bankcruptcy cert from the court however they did not close the account down. It's still showing as defaulted. I wrote to them and they have sent me a letter today saying that they have not received my default certificate u til this week swill change the default date til 11th feb 2009 and mark it as partially satisfied and it will take up to 12 weeks to change on my file.
Is there anyway I can get the default removed.
I had accounts with other banks with a lot more debt and they immediately marked the accounts as Satisfactory and settled.
Is there away to appeal to get the account status changed?
I've applied for a mortgage which they have agreed wi everything apart from the default showing, they said if it is marked as satisfactory and settled they will give me the mortgage offers?
They have said with it showing a default still even after they have changed the dates etc they won't give the mortgage until the default is removed, however if they mark it as stratified and settled they will give the mortgage offer
So as it stands now it has been marked as partially satisfied? Is this acceptable for your mortgage company as if not I don't think they are legally obliged to do more.
I am still a bit confused as to how if they know it has fallen under the bankruptcy why it is an issue with your mortgage company?
The default should be no later than your date of BR and won't drop off your credit file until 6 years from that date. As RHB says creditors are only legally obliged to mark an account as partially satisfied, they don't have to mark it as satisfied.
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.
HSBC default urgent help
Posted - 15 March 2012 : 15:20:49
