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kallis3

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Post by kallis3 » Mon Sep 12, 2016 8:35 am
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Contact the CRA and explain what has happened to them and ask them remove the account.
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
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Shaun Vickery

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Post by Shaun Vickery » Mon Sep 12, 2016 10:25 am
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The default may cause a problem nursecrippin, or at least result in a higher rate. If it shouldn't be there, ideally I'd try to resolve this first.
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.

For individual, confidential mortgage advice see my details under the IVA Experts or go to http://clients.theselectpartnership.co.uk/
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nursecrippin

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Post by nursecrippin » Mon Sep 19, 2016 1:15 am
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Thanks guys well pra company have phoned me but they are refusing to reset the default date to the start of my IVA. instead they want to lable my file saying IVA . Ive got to send them a photocopy of my completion certificate and also a copy of the credit report showing what they put.
What happens now.
they making my file worse by putting IVA back on there as everything else has dropped off and they are adament the default date does not have to be from the start of the IVA.

what can i do
Heidi xxxx
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kallis3

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Post by kallis3 » Mon Sep 19, 2016 8:52 am
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That is disgraceful!!! They can't do that! Tell them you are escalating this and make a complaint to the FCO I believe.

Someone will correct me if that's wrong!
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
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Foggy

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Post by Foggy » Mon Sep 19, 2016 8:57 am
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Have a read here:

http://debtcamel.co.uk/repair-credit-record-iva/

Follow the procedure and then complain to the ICO -- details and templates in the article.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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kallis3

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Post by kallis3 » Mon Sep 19, 2016 9:16 am
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Thanks Foggy!!! I couldn't remember the acronym and I don't think she want to complain to the foreign office!!
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
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Foggy

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Post by Foggy » Mon Sep 19, 2016 9:52 am
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font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by kallis3

Thanks Foggy!!! I couldn't remember the acronym and I don't think she want to complain to the foreign office!!
I would complain to anybody who would listen !!! [:D]
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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kallis3

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Post by kallis3 » Mon Sep 19, 2016 9:59 am
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LOL!
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
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Shaun Vickery

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Post by Shaun Vickery » Mon Sep 19, 2016 10:06 am
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I agree. A formal complaint (or at least the threat of it) certainly seems appropriate under the circumstances.
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.

For individual, confidential mortgage advice see my details under the IVA Experts or go to http://clients.theselectpartnership.co.uk/
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nursecrippin

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Post by nursecrippin » Tue Sep 20, 2016 12:31 am
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thanks guys,
you did make me laugh.
im off nights tomorrow so will send what they ask but gonna also read your file tonight as well to see what else i can do.
Thankyou for all your help
Heidi xxxx
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