I went Bankrupt 06/09/2006 nad have been keeping a keen eye on my CRF written to cretiros etc and in the main not had a problem and I am seeing records dropping off as expected.
One of the credits that is left on the file is Welcome Finance which did make a correction when I wrote to them as the entry was widley incorrect.
I am expecting my CRF to be completing clean a week or so after 6th Sept this year, but I need to check the entry please on mt Welcome Finance, all data is correct expect they have not put a defualt date on.
The entry is...
Terms: 37 @ £ 120 (Monthly)
Status: Settled
Current Balance: £ 0
Start Balance: £ 0
Credit Limit: £ 0
Default / Delinquent Balance: £ 0
Start Date: 20/04/2005
Date Updated: 22/02/2008
Date Last Delinquent:
Date Satisfied: 06/09/2007
Default Date:
Futher they have made updates to the late payments after BR date up to the satisfied date. i.e.:
Feb 07 -1 late
Mar 07 - 2 late
Apr 07 - 3 late
May 07 - 4 late
June 07 - 5 late
July 07 - 6 late
Aug 07 - Up to date
Sept 07 - Satisfied
Surely is not right that they have made entries like this after BR?
Is it compuslory that they put a default date on? as this line from the standard letter suggests not "It is requested that if you intend to default the account" the word intend suggests it is not compulsory.
With the data as it currently sits I feel the entry will be removed Sept 13 rather than Sept 12
Pleae advise.
Kind regards
Lloyd