I am delighted, finally recieved my certificate of completion from GT, very happy with GT might i add! Karol thanks for following it up for me.
I do have a quick question to anyone that can help, I am now ready to send a copy of my certificate to the credit people, experian, equifax and callcredit.
But...i cannot find the address i need for callcredit...can anyone help?
Thanks a lot guys
Jay
IVA Completed June 2011!
Update is it has now been 6 years + 1 day since the start...it has all just been removed from my credit report! Soo Happy!
If you google them it will bring you up all sorts of info. However, before you start sending off your certificate to them, get a copy of your record (will cost you £2) from all agencies to see what is held on you.
Any defaults registered after the date of IVA acceptance then you contact the creditor, not the CRA. Enclose a copy of your completion letter and they have to alter the dates.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Thanks Kallis, i did that a few months ago, took out the free trials on each one, the only bad thing on my file is the IVA. So shall i just crack on and send a copy of my certificate?
thanks
IVA Completed June 2011!
Update is it has now been 6 years + 1 day since the start...it has all just been removed from my credit report! Soo Happy!
Your IVA will remain on your record until the sixth anniversary of acceptance and then it will just drop off.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
It may well do but it will still show on your report. Up to you whether you send it off or not.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
need to smile today? go on check out my blogs - I'll add to them regularly
Our IVA's over YIPPEE unbelievable!Seems like yesterday it was approved despite everything
Thanks Flumpy, i have decided to still send a copy of my certificate to all 3 credit companies, mainly because i have been wanting to since i completed my IVA. Makes me feel good.
The certificate suprised me though, i dont know what i expected...but it certaintly isnt a certificate like i used to get at school! Ha ha...a bit of paper (not even card) with a signature on it! Oh well....still pleased i have it!
IVA Completed June 2011!
Update is it has now been 6 years + 1 day since the start...it has all just been removed from my credit report! Soo Happy!
You can send it off but the IVA will drop off anyway at the end of six years.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Not to sure about this but i completed my IVA in May this year and checking my credit report on callcredit it says that some of my debts were defaulted after the start of my IVA does this mean i can write to my creditors and ask them to alter the dates also some of them show as satisfied and some of them still show as being in default some advice would be very much appreciated on this.
kallis3 wrote:
Your IVA will remain on your record until the sixth anniversary of acceptance and then it will just drop off.
I am afraid that this is not always the case Kallis. My husbands IVA is still on his credit report, the 6 years was up in July. We gave it until our completion certifcate was received in August. We then sent a copy of to Experian so they could remove the IVA. One month later (exactly one month) Experian wrote to us saying that they would write to the Insolvency Service to confirm our claim, and would get back to us once they had received a reply. We are still waiting and it is still showing on my husbands file.
frankiebabe1 wrote:
Not to sure about this but i completed my IVA in May this year and checking my credit report on callcredit it says that some of my debts were defaulted after the start of my IVA does this mean i can write to my creditors and ask them to alter the dates also some of them show as satisfied and some of them still show as being in default some advice would be very much appreciated on this.
Yes you need to write to the creditors and ask them to updated the ORIGINAL DEFAULT DATE to the date of your creditor meeting of your IVA.
Then ask them to show the default as no more monies to pay - a zero outstanding balance.
And mark the default as Satisified or Partially Satisified on the Date of your completion certificate.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
