Hi no_moolah,What's the Scheduled Removal Date of the entry prodigy?
Because, although my bank were still sending info onto the icb, as they marked it "pending litigation" 3 years ago it means it automatically falls off my report in 2018 - which is a year earlier than if they were to remove it 5 years from my bankruptcy date.
I just discovered that on my report recently.
Hi no_moolah,
I dont quite understand the Schedule Removal Date question? It doesnt have pending litigation or anything, it has my mortgage debt coming in as unpaid over 24 months?? Each month has a 9 in the box below!! Im quite confused..
Hi there,thanks for the reply. I do not believe my house has been sold. It was joint owned and I do not know what the other owner is doing with the house at all. How do I get out of this situation? I was under the impression that once your declared bankrupt that all your debts are essentially wiped and you start afresh. How can they still send on that I am in arrears if essentially I dont have a loan anymore??I think the 9 has something to do with the arrears / how many months you were in arrears, from what I have read online. Your report should give an outline of what the different entries mean. Although If you were declared bankrupt then it doesn't make sense for them to put a 9 in there.
Has the property been sold yet? my bank used that as an excuse for continuing to send on my info.
This was my issue. The bank said they would continue sending on the info until the property was sold and they could confirm with my OR that there were no dividends payable. The DPC didn't want to know. The FSO didn't know how to deal with it.
Fortunately the property sold this year.
Maybe consider going legal on it. It won't be cheap though !
Many thanks, it looks like a letter to the bank is my first option as you mentioned.I will let you know how I get on. I am just so gutted to be back at this stage as i thought that part of my life was behind me.I tried looking it up before but i couldnt find anything specifically stating that they weren't allowed to send the info on once someone is declared bankrupt. It drove me crazy too !
You should start by sending your bank a letter and see what they come back with. Then get the dpc and fso involved. You won't get a response from these overnight though bear that in mind. As a last resort you should consider getting legal advice on it. Maybe try Steve Thatcher ? He is the expert !
Hi Fresh-Start,
My issue was the same as yours in that the property wasn't sold. Then they auctioned off the property while I was in a dispute with them about the ICB report. They still kept saying it wasn't sold, until I showed them evidence that it was sold.
Their attitude after this was that, even though it was sold, the OR in the UK didn't confirm whether any dividends were due. I found this to be so frustrating because they had control over the sale of the property and they knew that I had no other assets as the OR had given them a list of my assets and liabilities. Furthermore, not once did they even request this information from the OR, so obviously they won't have information that they never asked for.
When it was finally confirmed by the OR, they agreed to stop sending info to the ICB. My next hurdle was then to get them to backdate the ICB reports to when I was declared bankrupt or discharged (whichever was the correct end point). There were issues trying to get them to do this then. In the end I stopped chasing them because I discovered that from the time they marked the ICB record "P" for pending litigation, it automatically sets an end date for 5 yrs from that date. So mine will actually fall off my record earlier than expected. They had marked it P before I went bankrupt.
I had the FSO involved and although they were very nice to deal with, they were really out of their depth and didn't know how to deal with the issue. They seemed to act as a go-between, or more like a mailbox. They accepted the word of the bank and never queried any responses that they received from them. They also had me doing most of the running around on it. My advisor in the UK told me that what the bank was doing was wrong.
I was very disappointed with the way the FSO and the DPO handled it. I never got an apology off the bank nor any explanation as to why they kept sending the info on.
Check your ICB report and see if it has an end date for the entry. Im not sure if it will apply to you if they still sending the info on. The problem in this country is that nobody seems to know how to deal with it. There are some people on this forum who are very knowledgeable about this subject so perhaps you should consider getting some professional advice in order to sort things out. You're wasting your time with the banks, the FSO and the DPO - that was my experience of it anyway. I was drained by the end of it all.
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