Experian Credit Report

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Parki1979

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Joined: Sun Nov 21, 2021 6:11 pm
Post by Parki1979 » Fri Jul 15, 2022 10:50 pm
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Just had a latter today about a Default that would be appearing against me. A bit surprising really considering I am 4 years and 2 months into my IVA, but presumably this should be back dated to when my IVA started? It is via a Debt collection agency so presumably they have just taken on the debt.
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Breezy

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Posts: 195
Joined: Thu Jun 24, 2021 10:04 am
Post by Breezy » Sat Jul 16, 2022 9:04 am
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Could well be the case, Parki. Make sure that they use the correct date for the default, so that it goes at the appointed time. More info here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
I am not qualified to give advice and can only state my opinions, based on my IVA experiences.
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Parki1979

Posts: 22
Joined: Sun Nov 21, 2021 6:11 pm
Post by Parki1979 » Fri Jul 22, 2022 7:43 pm
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Cheers Breezy, the default has not yet appear on my credit report as of yet, as they implied after the end of the month, but I have emailed them informing them that If it appears after my IVA date then I will be taking up a complaint with the ICO to perhaps get ahead of it.

I have other defaults after the start so but will drop off between the 5th and 6th year so will leave them be.

I only wish when I started my IVA, I had read through all the posts on here, there is so much to read and I perhaps would have asked a lot more questions, in particular to guideline amounts for expenditure and such.
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