default notice

[MARSHA]

I havereceived a default notice today from Capital one credit card. It states that a default will be registered against me using the date of the bankruptcy order. I have not gone bankrupt I had an IVA approved. It does also state that I had an IVA aproved on the 22nd October and because of this the breach is not capable of remedy.
In the letter it also goes on to state that a claim to the Official Receiver in respect of all sums due will be submitted.
This has me worried, why is the word bankruptcy being used?

[Adam Davies]

Hi
Nothing to worry about
A computer generated letter and many banks put IVAs and bankruptcy in the same bag.
I sploke to Lloyds bank shortly after my IVA was approved and was told by a member of staff,with great delight,that I was a bankrupt.
Don't let it concern you
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[MARSHA]

Thanks for the reply Andy. Im so glad this forum is here.

[sonyse2t5]

The Default Notices are aways issues in lieu and in persuant to a full debt been asked for. A standard letter but written to frighten people. Why can't they keep it to basic English parlance.

[bagpuss]

all of the creditors that we owed money to and where included in the IVA (all of them) have issued us with defaults...they sit on my credit file for 6 years....but i'm glad to say they each have a satisfied status next to them now.



Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

[MARSHA]

Thanks for the replies, I have a long way to go before mine have a satisfied against them.