- Sun Sep 09, 2012 11:12 am
It is a good feeling when all goes well is it not.
OK your questions in reverse order.
If you contact the ORs Office they will be able to provide written confirmation of your bankruptcy date and your discharge date, but if you need the actual notifications I am afraid that will cost. You will need to approach the courts where your were made bankrupt and obtain a copy of the certificates form them, when I last looked they were asking £75 ..... so go the letter route first.
Now moving on the the defaults, no default date should be later than the bankruptcy date, AND all the accounts should be marked as settled or satisfied, if not they wont drop off correctly if not defaulted, and worse still if not marked as settled, the owner can sell the account on as a live account, and they some dubious DCA can chase you for it.
Now the Default must be no later than the bankruptcy date, as you have said.
The settled date no later than the discharge date, but dont worry if the default date is correct it will still fall off 6 years form the default date.
If either are incorrect, then you do need to act, if not (and I have seen this happen) a DCA comes chasing 12 years later of a debt that originally had a CCJ. It got sorted in the end, but not till after it had cost money and time!!
I would suggest getting a letter form the OR with bankruptcy date, case number, and discharge date, then following the template below (just amend it a bit to reflect letter rather than certificate).viewtopic.php?f=24&t=9431