I have made my last payment on my IVA 3rd August. Do I need to check all credit agencies ?

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Croydon lady

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Post by Croydon lady » Mon Aug 19, 2013 10:48 pm
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I have made my last payment on my IVA now(3rd August 2013) and I have sent for a report from Equifax just to check if the dates are correct from when I started my IVA, do I need to check with all of the credit agencies?
last payment made August 2013,Completion Certificate received 12 November 2014
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MelanieGiles

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Post by MelanieGiles » Tue Aug 20, 2013 12:36 am
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It would probably be better to, to be on the safe side I would have thought.
Regards, Melanie Giles, Insolvency Practitioner
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Croydon lady

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Post by Croydon lady » Tue Aug 20, 2013 7:01 am
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Ok Melanie, thankyou, will do
last payment made August 2013,Completion Certificate received 12 November 2014
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plasticdaft

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Post by plasticdaft » Tue Aug 20, 2013 8:27 am
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I would give them all at least a month to update things before chasing them up.

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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ginger323232

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Post by ginger323232 » Tue Aug 20, 2013 8:32 am
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If you only just made your last payment Aug 2013 - it may be better to wait until you have you completion certificate
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Croydon lady

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Post by Croydon lady » Tue Aug 20, 2013 9:47 am
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I thought I would need to see them to make sure the dates are correct on my defaults?? Before I get the certificate
last payment made August 2013,Completion Certificate received 12 November 2014
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Kelly O

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Post by Kelly O » Tue Aug 20, 2013 9:59 am
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You can credit check yourself now if you want to check the default dates, but you will need your completion certificate to get the dates ammended.

The 3 main credit reference agencies are, Equifax, Experian and Call credit.
Regards Kelly Osadare Debt Advice Manager at www.pjgrecovery.com (host to www.melaniegiles.com.)

PJG Recovery have a free online advice channel at www.debtadvicetv.com. If you are ready to ask us for specific advice or help, then get in touch at www.pjgrecovery.com/contact-us.asp . I look forward to speaking to you.
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Croydon lady

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Post by Croydon lady » Tue Aug 20, 2013 10:49 am
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Thanks Kelly, I'm a bit lost at the moment as I don't really know what to do, my IP hasn't answered my emails so will have to call them.
last payment made August 2013,Completion Certificate received 12 November 2014
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Tina Shortland

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Post by Tina Shortland » Tue Aug 20, 2013 11:05 am
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Calling is probably best so at least you know you have got through to someone. With emails you never know whether they have been picked up, the IP is on leave etc. hope you get some answers soon.

Congratulations on reaching the end of your IVA - best wishes :-)
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com

If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
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Croydon lady

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Post by Croydon lady » Tue Aug 20, 2013 3:22 pm
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Ok, will call them, thankyou
last payment made August 2013,Completion Certificate received 12 November 2014
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markgb

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Post by markgb » Thu Aug 22, 2013 6:18 pm
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It only costs £2 to check your own credit data/records so just try one of the one's mentioned above and you'll have the info you wanted. I would then send each a copy of your Letter of Completion (you don't actually get a Certificate awarded) and then pay £2 again to each of the three Credit Check Agencies to make sure it has been updated with IVA records removed.
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