My bankruptcy date is end August 2007
1) I know bankruptcy does not cover secured loans as such, but we left the house and did not pay it or the mortgage 7 months before bankruptcy, as far as I know the house has only just been sold by NR, who repossessed it in March 2008. On my credit file, the Picture secured loan is showing as "delinquent" and last updated 31/03/2008, my question is, is this correct? should it not be the date of bankruptcy, or is this excluded as it is a secured loan? (There is also the same situation with my car finance, as that was a secured loan too)
2) There are loads of credit searches on my file, that I have not applied for, the dates vary from before my bankruptcy and AFTER, using the address of the house I left for repossession. It states it was for a credit application, I found out that someone was applying for credit pretending to be me, whilst I was bankrupt. This was a spiteful person who I know, trying to get me in trouble. Do these have to stay on the file or not? What can I do about them?
sorry for the essay, but these files are a NIGHTMARE and I have 2 more files to come yet