I hope someone can shed light on my situation.
I had to declare myself bankrupt, following an operation leaving me disabled and incapable of work. This was really not a path I ever thought I would have to take, but circumstances were such that I had no other means of maintaining my financial liabilities.
Since the bankruptcy, I have to say I've been SO relieved not to have the stress and upset of debt collectors hounding me all day, every day.
The bankrupcty was deemed straight forward by the trustee and I was discharged in less than 6 months, which was great news. However, dispite all my debts being included in my statement of affairs, my credit report still reads as if 3 loan accounts are active and in default up to present day, despite the date of the bankruptcy being Jan 2010.
The actual date of the default is stated as the date of the bankruptcy with santander and the date of the actual default in 2009 with Barclays.
I did have other liabilities, which were included in the bankruptcy and they have a "settled" status, so assumed all the other debts would be too.
So upon discovering that my account show as having "active" loan accounts, I called Santander and spoke with a number of "people" including a "line manager" who inform me that it is not their policy to amend a defaulted account as satisfied, bankruptcy or not.
Therefore, can you possibly clarify what the position acutally is, as I will never rebuild my credit status whilst they show me as having active loan accounts in default.
I'm currently trying to rebuild my life and hope to set up a small business working from home, as I can no longer perform my original job due to my disabilities. However, I cannot find any business banking facility due to my credit status, so need to get this cleared up if I am to move forward.
Any help you can offer would be gratefully received.
Thanks ever so in anticipation.