What a great start ScotsLad.

My impression is that some banks are getting a bit more efficient and responsive to these types of requests.

Hey that's great Scotslad.. Any chance of posting the general gist of your letter to them ?
They are one of my creditors as well.. Would really like the default off.
Thanks

Here you go:

The Data Controller
Bank of Scotland PLC
The Mound
EDINBURGH,
EH1 1YZ

29/01/2016

Dear Sir/Madam

Re: Account Number: XXXX

After consultation with both the Information Commissioner and the Credit Reference Agencies, I am writing directly to you to request that you formally update my credit files in accordance with the Data Protection Act.

I signed a trust deed on XXXX which became protected and was subsequently discharged on XXXX and my Bank of Scotland XXXX Account was included within the Trust Deed. For your convenience I have attached my Discharge Notification.

The address currently registered for this account is: XXXX. The Default Balance is XXXX.

Currently the information that you have recorded against my name with the Credit Reference Agencies is factually incorrect and as yet your company has failed to correct the entries as required.

ÔÇó It is requested that if you intend to default the account, the default entry must be (same as date of signing), in accordance with the Data Protection Act.

ÔÇó It is requested that you mark the accounts with any balance outstanding in some way as to indicate that it is settled or satisfied, in accordance with the Discharge of my Protected Trust Deed and in accordance with the Protected Trust Deeds (Scotland) Regulations 2008, which have released me from any obligations to creditors listed within the Trust Deed.

ÔÇó If you have sold the debt on, according to the Information Commissioner, you are still liable to ensure that both you and the new holder are aware and that as the originator of the information it is your responsibility to ensure that it is corrected.

The Information Commissioner has indicated that I should allow you 28 calendar days from the date you receive this letter to comply, during this time you are requested either to update the Credit Reference Files correctly (of all three Credit Reference Agencies) or notify me in writing the reasons that you refuse to.

After the 28 days have elapsed the Information Commissioner has requested that I inform them if your company fails to update the records so that they may take any necessary enforcement action against your company.

I have copied the relevant information provided by the Information Commissioner as an attachment to this request.

Yours faithfully,

ScotsLad

The ICO information I reference in the letter can be found here: https://ico.org.uk/for-the-public/bankruptcy/

Some extra information.

You can find the address of your creditor to post it to via the Register of Data Controllers on the ICO website. https://ico.org.uk/about-the-ico/what-we-do/register-of-data-controllers/

Always address it to the Data Controller, not Customer Services or similar.

Thanks for that ScotsLad..
It will be very helpful