Hi janec83.

I don't know the answer for sure, but I'm guessing that your creditors should probably have updated your credit file when you were discharged. That's the case for a protected trust deed.

If you want to know for sure give the Information Commissioners Office a call. That's what we did regards trust deeds and they were really helpful.

Hi TDA,

Thank you kindly for getting back to me [:)] I shall give them a call in the morning regrading my bankruptcy and repost their response for info to others.

Janec83 xox

Hi, I, too am a discharged bankrupt and have 2 more payments to make before hopefully being discharged by trustee, like you I have had no issues with trustee and hopefully the discharge will be painless. I have kept an eye on my credit file and all of my debts are showing as closed and satisfied. The only one I had any problems with was RBS, I had to go to ombusdman to force them to update my credit file and close the account. All the others done it themselves they included MBNA and Santander.

Thanks for sharing that juliet. It does sound as though the same principle is being applied to bankruptcy as it does with trust deeds. I can see no reason why that wouldn't be the case but it's always good to hear that this is what seems to be happening in reality.

Janec83 - it would be brilliant if you could share what you learn from the ICO. Thanks for offering.

Hi Juliet & TDA,

Thank you for the info! I will get in touch with the ICO and ask them what I can do to get it cleared up.

Juliet - Did the updates start to happen after you were discharged from your br? Did you write to RBS and send them a copy of your discharge notice? Did it take them long to resolve the issue.

Of course TDA, will be happy to let everybody know what the ICO have to say on it as I am sure many would like to know.

Thanks again!

An update [:)] I have spoken to a lovely gent at the ICO and he has informed me that my credit report should indeed be showing as 'Settled' or 'Partially Settled' from the date of my discharge from br on the 28/11/2012. The information that is showing is incorrect and that in the first instance I should write to the Data Protection Officer or Data Protection Manager of each creditor to inform them of this error and to update their records accordingly.

The ICO have said that I should keep a copy of all letters and to also send them a copy of the letter I received from My trustee to show my discharge. I should give them 28 days to respond from the date of my letters and should I receive no response then I am to contact the ICO again and they will then chance the changes with the creditors.

I shall keep you all posted with further updates! [^] Better get started on my letter [:D]

That's really useful to know janec83.

I'm glad that you've got the news that you were hoping for, that you have the chance to get your credit file updated, and that my gut-instinct was correct!

Thanks for taking the time to share it as well. The forum's really working very powerfully this morning.

Make sure you mention in your letters to the data controllers that you are acting on instruction from the ico and that they wish to be updated when companies comply or fail to comply. Good luck. Remember to send letters by recorded delivery so companies cannot claim to have not received them.

paul

Hi TDA & Paul!

Yes the Forum if full of valuable information and has always been a great source of help for me [:D]

Thanks Paul, I will be sure to keep a record of postage and everything else that has been sent.

I have drafted a letter to send to said creditors, see below as it maybe of benefit to others on the Forum. Let me know if I should add anything in.

Your name & Address

Discharge Notification
Bankruptcy Order

Good stuff, janec83. That should get things moving.

Hi, I wrote to RBS and sent them a copy of my discharge certificate twice, they ignored me, then I wrote to ombudsman and low and behold within about a fortnight I got a letter from RBS and when I checked my credit report it was showing as satisfied, the date is about a week later than it should be but I don't think this is worth worrying about.

All the others were updated when I checked not long after my discharge.

Thanks Kevin! Hopefully my creditors won't drag there heels to much.

Thanks Juliet for getting back to me! One more question if I may. When you say 'Discharge Certificate' did you use the letter you received from your Trustee or did you get and actual certificate from another source?

Thanks in advance.

Hi, I didnt get a letter from my trustee, I contacted AIB and paid £11 to have the certificate sent to me.

Brilliant! Thank you kindly Juliet, your info has been brilliant!