Lloyds Credit File Defaults

[theformerdebtor]

Hi all

 

Can a creditor register a Default on a credit file long after a Bankruptcy Order if the debt was registered on the Bankruptcy?

 

Any help much appreciated.

 

Thanks

[dx100uk]

nope should be registered the day of the BK.

 

 

dx

[theformerdebtor]

Hi DX

Thanks for the quick reply.

 

Thats what I thought.

 

Lloyds acc = registered the default 9 months after the bancruptcy date

Lloyds cc = registered the default 3 months after the bancruptcy date

Car hire/purchase company registered a Voluntary Termination 4 months after the bankruptcy date.

 

I've always believed that all those Credit Reference Agencies are a joke........

[theformerdebtor]

I'm gonna probably need to battle Lloyds (again), to to remove this.

Is there a letter in Library?

 

Does anybody has similar problems?

 

Thanks

[dx100uk]

what was the date you went BK

and the defaulted dates in the cra files

 

 

dx

[theformerdebtor]

Hi dx

 

BK date

20.06.2009

 

 

default dates on cra files

Lloyds c. acc = 30.03.2010

Lloyds cc = 02.09.2009

Car Finance = 30.10.2009 - marked as Voluntary Termination

[dx100uk]

well apart from the bank account poss

theres little point in waving you arms

 

 

they'll be gone by the time you write the letters

 

 

6yrs from defaulted date

the account will vanish

 

 

dx

[theformerdebtor]

Thanks dx

 

That's what I though.

 

I will write to Lloyds regarding the bank acc. Is there a template in the library and an address where I shall write to, please?

 

 

 

 

I've also found this on credit file. I think everybody got this on credit file not just me.

 

"ADDING A NOTICE OF CORRECTION

Warning! We strongly recommend that you do not add a notice of correction to your credit report. Because of misuse, lenders ignore them. But they will always slow up lending decisions as any application you make for credit, once you have one of these on your credit report, must be handled manually. This will result in a much higher chance of being declined.

Many people also forget to remove a notice of correction and the offending note alerts readers to an issue which is no longer visible on your credit report. If you still decide to lodge a notice of correction, the addresses of the three credit reference agencies can be found in the Information Commissioner's booklet, 'Credit Explained'."

[dx100uk]

no template sadly

 

 

and that's std for a cra file

 

 

yu are in the Lloyds forum

the address is on this forums hope page stickies

[theformerdebtor]

Thanks dx

 

I'm not very good at composing letters but I will figure one out.

 

Thanks again