Scottish and English debt laws are different, so if you are a Scottish resident and have questions on debt, then this is the place to post.

Moderators: TalbotWoods, JaneClack

Bysteven
#50522 Hi there

I live in Scotland and am due for discharge on 9 May 2006 after three long years.

Obviously I need to contact my creditors and CRFs so they can update my files as required.

Could anyone supply a standard letter template which I could use.

Thank you.
ByMel_Odious
#50526 I would start by getting your CRFs from the three CRAs:
Send £2 and your addresses for the last six years to each of them:


Experian Ltd
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF
Tel No 0870 241 6212
http://www.experian.co.uk
(You can order your credit file on the internet or by telephone).

Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
Tel No 0870 010 0583
http://www.equifax.co.uk
(you can order your credit file on the internet)

Callcredit plc
Consumer Services Team
P O Box 491
Leeds
LS1 5XX
Tel No 0870 060 1414
http://www.callcredit.plc.uk
Bysteven
#50535 Thnaks Mel I have equifax and experian ones here now, Ill apply for call credit, what next.
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