B May 2006, Discharged May 2007. IPA finished September 2009.
In the meantime, I've moved house, and my address is giving me problems. Without giving away enough to ID myself online, my house does not have a number. Supposing it was called The Cottage, Lancaster's Royal Hospital ..... then a streetname, a town and a postcode.
That's it's correct name, and the name I give all official bodies. However, they frequently abbreviate it to "Lancaster Royal Cottage"; or just miss the apostrophe out. It doesn't matter to me - but it's giving me CRF problems: I was turned down for a Capital One card for bad debts the other day, because they couldn't confirm my address with Equifax or Experian. They wouldn't say which.
I sent off for all 3 files a couple of weeks ago. I got the Equifax one yesterday. They have my address as Lancaster Royal Cottage.
I got a reply from Experian today, asking for proofs of ID and address. They have the right address.
Still waiting for CallCredit.
Once I get all 3, what's the best way to get them to all have the same address? I'm on the Electoral Roll, so is sending them a copy of my entry the sensible way to make sure that they're all singing off the same railway timetable?
Most of my accounts are marked S, some with a Partial flag, some not. The date of default is within the bankruptcy year, so can't complain.
Lloyds and Amex still show a D, although "Insight" (what's that?) hasn't been updated for 4 years.
Do I just send them the Letter? And is it 28 days they have to comply?