How can I clear my name when IVA finished ?

[Anne-Marie.l]

How can I clear my name when my IVA is finished ?

[kallis3]

Hi and welcome to the forum.

Once the IVA has finished then you need to check your credit record. Even though the IVA stays on for six years from acceptance, any creditors who have defaulted you since that date must remove them.

You need to contact Experian, Call Credit and Equifax to see what is held and then send a copy of your completiton letter to any creditors who have defaulted and tell them to remove those defaults.

[luluj]

WELCOME TO THE FORUM ! I can only echo what Jan has already said - contact the credit reference agencies and provide them with a copy of the certificate of completion - they will then contact the creditors for you. I also wrote to all the creditors myself with a copy of the certificate and within a month our records are now showing satisfied !

[jen46]

Is this something the credit ref agencies would do on my behalf - contacting the creditors? Is there anyone in particular that i should contact when writing to creditors?

[plasticdaft]

I didnt think the credit reference agencies did the contacting creditors.

Paul

[kallis3]

The credit reference agencies don't do it for you, you have to contact those creditors yourself. Address your letters to the Data Controller at each firm.

[millsy22]

hi we did this and nat west would only change it to date of completion certificate and cahoot have defaulted OH till october of this year and when i questioned the company that we buy all 3 credit reports from was told that the defaults stay from date the company put them at not the date the iva started or finished so not sure wehere to go from here

[kallis3]

Write to them again and tell them to remove those defaults after the start - if they don't you go to the Financial Ombudsman.

[Foggy]

Hi. This is a letter penned by one of our more experienced posters (TheMatrix, I believe)and should do the trick:

(NOTE ADDRESS BELOW IS THAT OF THE DATA CONTROL OFFICER FOR SANTANDER WHICH IS NOT THE SAME AS THE CUSTOMER SERVICE ADDRESS)

Data Control Officer
SANTANDER UK PLC
2 TRITON SQUARE
REGENTS PLACE
LONDON
NW1 3AN


Dear Sirs

Re: Account Number [FROM CRA FILE]

After consultations with both the Information Commissioner and the Credit Reference Agencies, I am writing directly to you to request that you formally update my credit files in accordance with the Data Protection Act.

I entered into a Individual Voluntary Arrangement on [IVA AGREED DATE] and subsequently completed the arrangement on [IVA COMPLETED DATE], and Abbey was included within the IVA. For your convenience I have attached a copy of my Certificate of Completion.

Currently the information that you have recorded against my name with the Credit Reference Agencies is factually incorrect.

• It is requested that if you intend to default the account, the default entry date must be dated [IVA AGREED DATE], in accordance with the Data Protection Act.

• It is requested that you mark the account in some way as to indicate that no further monies are due and the account is now paid, in accordance with the Data Protection Act.

I also request that any search you carry out is deleted after correcting the information held at all three credit reference agencies.

The Information Commissioner has indicated that I should allow you 28 calendar days from the date you receive this letter to comply, during this time you are requested either to update the Credit Reference Files correctly (of all three Credit Reference Agencies) or notify me in writing the reasons that you refuse to.

After the 28 days have elapsed the Information Commissioner has requested that I inform them if your company fails to update the records so that they may take any necessary enforcement action against your company.

I have copied the relevant completion certificate to this request.

Yours faithfully



YOUR NAME
Enc:

IVA Certificate of Completion.