The default should be marked as Satisfied or Partially Satisfied, there should be a Zero Outstanding balance and they should not be showing a default every month since the point you got your completion certificate.
You need to ensure the Original Default Date is dated the same date you entered your IVA.
If any of these details need amending you need to write to the Data Controller for each creditor concerned. You should get the address from the list of Data Controllers on the Information Commissioners website
http://www.ico.gov.uk/what_we_cover/reg ... llers.aspx
You should allow 28 days for the data controller to update your record at all three credit reference agencies. If they do no comply you should make a formal complaint, then take the matter up with the Information Commissioner / Financial Ombudsman as a last resort.
In order to do any of this though you're going to need a completion certificate. However there should be nothing stopping you from getting the original default date corrected now, as it is this date that is used for default drop off 6 years from registration.
Your IVA record will drop off the insolvency register after your IP sends them your completion certificate, this should filter down to the credit agencies and the IVA marked as completed. You want to check that that is done as the IVA record at the CRA is only deleted 6 years from the registration date IF THE IVA IS MARKED AS COMPLETED. If it is not marked as completed it could stay on indefinately or until they are told it has been completed.
Further advice and templates here:
http://www.iva.co.uk/forum/forum.asp?FORUM_ID=183We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
