When was it that your trust deed began waterman?

Sept 2009 is when I started

So that's going to be on your credit report for just a month or two longer as well?

You'll almost certainly have a better chance with affordable car credit once it's off if you wait.

Ignore the "score" as it's almost irrelevant while that old trust deed is still showing (6 years like everything else).

Thanks will do , it would be something I need to do just to see if I can get accepted I will wait z few months ; and if was granted it then I would probably cancel it , as my mind set has definitely changed with money dhich us a good thing thanks waterman

Hi just to let you know regarding the issue I had with my insurance policy ! The said that the trust deed was not a problem and my policy was ok to carry on which was good and I have the email safe

Hi also my credit report file all my defaults have fallen off happy days : question can I go and ask about swapping my morgage to get a better deal or would they refuse me , I am wanting to ask but still worried that they refuse me and it will go against me on my report ,

I'm glad to hear the insurance matter has been cleared up waterman. Always better to be safe than sorry when it comes to potential policy exclusions.

Are you asking about changing your mortgage type with your existing provider, or about trying to source a new provider and mortgage?

Would you be looking to raise additional funds or just replace the existing amount owed?

Just to see if I can get a better deal with my own lender ; and my wife has just finished her realease and we were taking about removing her from the morgage ; to give me a better chance of thinks

Hi waterman.

If you try to move to a new lender there is certainty that credit checking will take place. If you apply for and are refused credit on a number of occasions within a short period of time this might create a "red flag" for other lenders on your credit report.

Will your existing mortgage lender credit check you to simply switch to a different deal? I doubt that most would because they're effectively taking on no new risk - your mortgage balance will be the same on the new deal that it was on the old one. Without additional risk to the lender what purpose is served by credit checking?

If you want to remove your wife from the mortgage then your lender will potentially have more risk - only one of you to chase in the event that payments fall behind. Accordingly I'd expect them to carry out credit checking and other processes on you before providing a mortgage that's just in your name.

Thanks very much will give it a go and let you know what happens ; reason also is my wife does not work and a stay at home mum with out any income ;

Can anyone direct me to letters to send to lenders.
I recall someone posted samples but not who or when....

I signed up with Noddle, 2 credit cards appear to have been switched to ?( bought by) Arrow Global these show defaults dated 2010 and 2011 with a monthly default status every month since. Our bankruptcy was discharged- or we were in December 2013 so that's a more of red marks!!!

I raised disputes but Noddle simply replied that the creditors responded the default status continues??
I'm not sure what to quote as the requirements to update accurately?

In addition, 3 properties which were repossessed are showing a default figure from 2012/2013 , the figures I assume to be shortfalls on sale, ranging from 58k to 97k I understood they would become part of the bankruptcy as debts owed at the date of award but now I'm confused- are we liable for the shortfalls because the sales were not completed and shortfall realised until after award was granted?

2 CCJs show from 2010+2011, case numbers are given but nothing else, anyone able to advise how to deal with those?

We are able to lease a car with a guarantor/ co- signatory but rates are v high, our credit report is coring very poor because of the above. We have lots of good accounts showing including 10 mortgage accounts but the historic stuff is still damaging.

Any guidance or shared experience is welcome

Hi RBSB.

I don't think that these debts continued to exist upon your bankruptcy so it's hard to understand why continued default reporting on your credit file would be appropriate.

I think that you need to raise this directly with the lenders rather than via a credit reference agency. Given the efforts you've already made, I'd suggest submitting complaints to them on each account. This will ensure that someone relatively senior and empowered there reviews the situation.

I believe that the shortfall debts will fall within your bankruptcy (provided the loans were in place when you became bankrupt). You'll also need to raise this with the lenders concerned and argue your case with them.

I'm not sure that you can do anything regarding entries (the CCJs) prior to your bankruptcy assuming that they're correct. They'll drop off after six years like anything else.

All of this comes with the usual warning - we don't hold ourselves out to be credit report experts.

Thanks TDA, it's just the volume of 'stuff' to be continually dealing with. Arrow Global, as I say -we never had any business with them so I dont recognise even who the original account is with.

Incidentally I just had someone at the door today, ten mins after posting here-asking if I was in a position to settle debts with Arrow Global and referring to letters I received from sherriff officers relative to the debt. I havent received said letters and advised I have no accounts with Arrow Global, he said they buy debt accounts but he has no note as to which creditor they were originally with.

I started on the route to sequestration feeling strong and relieved to be dealing with debts and hopefully ending this, just exhausted with rehashing this far down the line, can't see it ever ending :-{

And also- I recall the CCJ's will remain for the 6 years, thanks!

Regarding the mortgage loan accounts, can anyone help with sample letters, I don't actually know what I'm asking the lenders to do.

That might underline the benefit of contacting these companies directly RBSB.

Sending representatives to visit homes is very expensive. If they were aware of a bankruptcy that meant such a debt no longer existed there's no way that they'd spend the money to do this.