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m88
Junior Member
159 Posts |
 Posted - 04 March 2013 : 15:22:37
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| hello went bankrupt aug 2009 ,early discharge within 6 months,put in for a workplace loan and told i have 2 ccj,s against my name alliance and leicester and hmrc that where included in br,any ideas who to contact as a-l are now santander |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 04 March 2013 : 16:58:41
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Hi and welcome to the forum.
Have you checked your credit record with Experian, Equifax and Call Credit to see what it says about you?
Don't forget that your BR will be on your record for six years from the court date so will still be showing. |
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m88
Junior Member
159 Posts |
Posted - 04 March 2013 : 17:04:20
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thanks for reply,no i havent,i,ll look into it,cheers.
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 04 March 2013 : 17:23:57
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| Let us know how you get on. |
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m88
Junior Member
159 Posts |
Posted - 04 March 2013 : 19:05:21
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read on a earlier post that the ccjs will stay on my credit report for 6 years unless i pay them off,even if included in BR,so wont waste my time with them.
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 04 March 2013 : 19:14:37
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| I think you will have to wait for the six years to pass and then look into removing things from your record. |
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m88
Junior Member
159 Posts |
Posted - 04 March 2013 : 19:51:00
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yes,i can stand that,thanks for your reply.
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 15 March 2013 : 16:43:44
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Hi again M88
nice to see you back on forum as Niobe said pls go and check your credit report with experian.
all debts prior to BR date may / should have been amended to show the debt has been spent / partially resolved.
you can add to your file a notice of correction. I wrote to my creditors and placed a NOC on my credit file and all bar one have amended the file to read partially resolved.
it will stay on file for 6 years before dropping off but at least if you are opening a new bank account they wont get stressed about "new" debts
Good Luck Richard,
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 15 March 2013 : 20:28:58
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Don't forget to check your credit files with Equifax and Call Credit as well.
View my blog at http://skippy13.blogs.iva.co.uk/
The more I have to do with humans the more I think that the world would be a better place if it was run by animals.
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. |
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Have 2 CCJs that were included in by bankruptcy. Any idea who to contact
