If it's based on discharge date they will have passed their 6 year mark before then. I'm under the impression at the moment the bankruptcy disappears 6 years after it was registered which is 6 months before the discharge and ditto for the last default notice

Hi Absolutely I was discharged 6 months after I went bankrupt, way back in 2007

Thanks for the advice that's still useful to know.

I'm not arguing about their right to have the default on there but I do disagree with the date they applied the default. Surely this should be the same time as the bankruptcy? Not 6 months after.

Hi I went bankrupt in late 2006, owing debts to about 6 companies. Natwest and HSBC are the only 2 left on my credit report stating defaults on my accounts with them, though they both state them as settled. The dates for the default notices are both 2007, 3 and 6 months after my bankruptcy. Can I do anything to remove the notices or at the very least have them removed from my record at the same time as the bankruptcy which they related to? Additional difficulties are that both accounts are closed and I no longer have account details for them. Having looked at some of the posts here about removing defaults they are from active accounts, how would I go about it on accounts like this which are long closed? Thanks in advance

Hi I'm curious as to what I can do about my student loan that was sold off with me being notified. Long story condensed down. I took out my Student Loans back over 94-98 period whenI was at uni, deferred payments till I was earning above the threshold in April 2006. 2006 went bankrupt since I was only just over the threshold the SLC was unwilling to defer again and I couldn't manage the extra £125 they were demanding. The loan couldn't be included in the bankruptcy so it was structured into my payments and everything was fine. Since Dec 2006 I've been making payments without complaint to the SLC....or so I thought In Dec 2006 I set up a standing order to, who I thought was, the SLC after a phone call with them. Apparently they gave me bank details for Wescot Credit Services, I have no idea who they are never had any contact from them, ever. I received a letter yesterday from the SLC yesterday telling me I have an arrangement with Wescot, that they no longer own my loan it has be sold to Lombard Tricity Finance and I now deal with Thesis and should contact them. I have been told my loan was sold to LTF in Sept 2008 and claim they notified me. I received no such notification. In a call to the SLC today they said they changed systems back around '98 and they only have a partial address, 1 from my 3rd of 4th year at university. I have kept them up to date on my address changes and always received statements up to around the time I went bankrupt even though i have been notifying them since if I have moved. I have spoken to Thesis and they say the account is in arrears that there is a gap in the last year from June to December. Remember I have never changed my standing order to the SLC(Wescot). What can I do about this whole mess? Honestly I am mostly just annoyed that they are allowed such practise and mostly want to complain. I don't object to paying the loan but I want to make sure they aren't trying any underhanded charges and that the missig payments are found and credited to my account. Any help or advice is very welcome

Hi As i said in another thread I've declared myself bankrupt out of last resort. Does anyone know how they calculate allowances for IPA's and IPO's? They have sent me guideline figures for the UK national averages for expenditure, they say gym isn't an acceptable allowance but I use that to let off steam and stress after work, without that it's down the pub for a pint and a smoke, is that allowed? I do accept I have to make payments but badly planned budgeting caused me all these problems in the 1st place and I don't want to start it all over again so I want to make sure its not too strict. Any help from those who have been through this?

I just went by the template, they took just over 2 weeks to reply to the 1st letter but that was with an offer

I don't get it I've put in a claim for £1419.38, they offered on my 1st letter £1268, no fight no objection nothing. I know a lot of people here think go for all of it but I'm not sure if it's worth the bother. What a delightful dilemma to have

Right they had their 14 days and nothing, time for the LBA, wonder if they'll get the hint?

Uh oh Smile turned down my account application. What the hell I've already sent my 1st letter off. I've made an application with Barclays for a parachute. Hopefully that 1 might get accepted if not I'll go elsewhere not stopping now I've started!

Good luck started mine off the start of this week. Was the managers voice muffled when he was telling you about only having 2 years of records electronically because he was talking from the place he sits. I have all 3 years of my statements available online, only had the account 3 years so not sure how much further back they can go.

Congratulations, hope my claim goes as smoothly

I'm sending to the complaints department in Leeds, The Manager, Service Quality Team, HSBC Bank plc, Arlington Business Centre, Millshaw Park Lane, Leeds, LS11 0PP, also only by 1st class post. I don't think recorded delivery is really needed at this stage.

Thanks for the reassurance having looked around the forum they don't seem to be closing accounts but I'm planning to be ready if they do. There's plenty going into the accounts and unfortunately leaving all too quickly again so if your experience is the norm Dydie then I should be ok. I'll post more when I get news