Hi TDA

Don't worry, despite having a Latin Higher ( honestly ) I only came across this yesterday as it was a question on one of the firms IVA's!

I did hear it once on Treasure Hunters on the TV when there was no one to inherit an estate, but didn't think it applied to Insolvency.

Mark

Marlin have still not updated the details reported to the various credit reference agencies. It's 28 days on Friday since I complained to them. The letters I've sent to lenders have always included the threat of advising 'The Information Commissioner' but I've never yet had to do it. Can anybody advise if it's worthwhile doing anything in this regard? I only ask as I'm 99.9% certain that Marlin are going to take forever over this.

Hi there.

When you complained they should have shared their complaints process with you.

Was that done?

If it has been exhausted and you remain unhappy the ICO might be your next step.

Hi Beloved Aunt.

You must be really frustrated.

As well as the ICO, you may wish to consider the route of contacting the Credit Reference Agencies and provide them details and copies of your discharge and your communications to Marlin. Noddle and Experian both offered to help if I could not get action from the credit companies.

Good luck!

A good suggestion Firewalker.

Certainly also worth a try Beloved_Aunt.

Thats the first time I've heard of a credit agency willing to assist if they creditor does not update their files. Good on them.

Mark

They're in a tricky position Mark.

They too have a data protection duty to keep the information they make available accurate.

I think this may be why they're offering to intervene more between an individual and a financial institution.

Thanks TDA

Good point, but it goes to show that credit scoring is not an exact science and like everything else the information at one end depends on what in input at the other end.

Mark

Hi TDA and Mark

Here is an extract of the email I received from Noddle:

When you're discharged from a Trust Deed, the insolvency practitioner should contact all the lenders involved to advise them you've completed the Trust Deed and ask them to mark the accounts as ÔÇÿsatisfied' and closed. The lenders should then do this and update the credit reference agencies.

I hope this has made the process a little clearer but please let me know if you have any more questions, I'd be happy to help.

EXPERIAN was similar but I cannot find the e-mail right now :-(.

Thanks again Firewalker.

It's really useful information.

That's interesting, although I'm not sure any firms contact creditors and ask for the files to be marked as satisfied once completed.

The normal process is a circular to creditors advising that the trustee is seeking their discharge and enclosing a final dividend payment.

Seeing as it's Friday, I might revisit our letters and add that wee bit in. Belts & braces.

Mark

Thanks for the information. I'm going to give Marlin a call now and see what they say.

The main frustration has been paying the monthly fees to both Experian and Equifax from September when I was discharged whilst regularly checking to see if the updates had been made. I've now paid nearly £200 for this and thought it was finished with everyone finally reporting correct information only for Marlin to throw a spanner in the works!

Sorry to deviate from the thread! Latin Higher Mark? I am impressed as I wish I'd kept up with my Latin at least for a bit longer - it would have been so useful in my job now!!! Meanwhile I wont deviate any longer.

Hi RoseG

I must say, the only 2 uses I've found are for translating tombstones and telling my wife what year a TV programme was made by the letters at the end.

I only started doing it as I thought the course book 'XXX Roman Stories' looked ahem! intriguing. Turned out it was a book with 30 Roman stories!!

Mark