I have 3 ccj's showing on my credit report one was paid off and the other two were dealt with in my bankruptcy how do i go about getting them removed or marked as satisfied
Province/Country relating to question : England
nothing not sure what to do
Hi, welcome to Just Answer. I will help you with your question. Are you know discharged from bankruptcy? When was this?
Yes i am now discharged from by bankruptcy and i have got a discharge letter
Thank you for the information. On the basis the two debts you mention were included in your bankruptcy these creditors should have marked the entries as satisfied or settled. The entries will stay on your credit reference file for six years from the date of the default. You should therefore send the creditors evidence of the discharge from bankruptcy (a copy of your letter) and request them to arrange to mark the relevant entries on your file to show that the debts were included in the bankruptcy and you no longer owe money. At the same time, write to the credit reference agencies, sending copies of your letters to the creditors and requesting them to add a ‘notice of correction' to the entries. The statement should confirm that the two debts and the relevant entries were included in the bankruptcy.
i do not have the creditors details any longer such as address or account number etc will the court hold that information and if so can i request it from them, also what about the one that was settled outside the bankruptcy i don't have any proof in writing that it was settled or again the companies details so how do i prove that it was paid off.
Yes, the Court should still hold the information. You will need to write to it quoting the case number (which should be on the credit file). Send the Court a copy of the credit file showing the relevant entries to save any further questions the Court may have about it. The Court probably will not have details of the account number but should certainly have the creditor's address and reference number. You can then write to the creditor (recorded delivery and keep copies) - it should be able to trace you with your name and address. The same goes for the one you paid off outside the bankruptcy. How was this particular creditor repaid? By bank transfer or cheque etc.. and did you get some kind of receipt? If so, obtain a copy of the bank statement and send this to the creditor at the same time as asking it to amend the credit file.
Also, with regard to the debt you have paid, ask the creditor to notify the Court of this. You can then ask the Court for a Certificate of Satisfaction which you can send to the credit reference agencies.
i don't know how it was paid and i no longer have bank statements and those accounts now closed
I see. You are therefore left to obtain this creditor's details from the Court and send the creditor a letter giving as much detail as you can and asking it to confirm that the debt was paid and ask it to write to Court on this basis. If it refuses and says the debt is still outstanding it's your word against theirs. On the basis you paid the ccj after one month after it was made the CCJ will in any event remain on the credit file for 6 years. This is a bit of a long shot but you could thereafter write to the credit reference agencies telling them the debt was paid off but the lender refuses to acknowledge payment - you will need to give them as much information as possible - they can then consider your position and possibly make amendments to correct any inaccuracies. Usually, the credit agency will then write directly to the creditor asking it for it comments.
thanks for your help just hope its as easy as you make it sound
Any time. Good luck. Kindly press accept so I may be rewarded for my time.
LLB, 10 years post qualification experience
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