I hope someone can help me I took out an IVA in June 2006 and completed it by lump sum June 2009. Since I have been checking my credit files as hoping to buy a house when can save up deposit i can get a mortgage . After some correspondence back and for I have manged to get all debts shown as satisfied and default date at comencement of iva.But I have one debt Max recovery purchased which they placed on my file in 2009 and are showing the default debt as 2009. I have writtent to credit reference agencies several times who have gone back and for to max recovery and tell me data is confirmed as correct .I have spoken to Evershed couple of times who advbiose me yes debt incuded in iva and they have advised credit refernce agenies of current status ?So where do I go from here I seem to be going around in circles and getting no where .I had 12 debts and the only issues I have had are with the ones Max recovery purchased. If deafults stay on for 6 years this one will be on for 3 years after my iva . Please advise I was hoping now i could look for a fresh start and also advise when would be a good time for me to have any chance of a successful mortgage application?
Your IVA will remain on record for six years from the date of acceptance, so will be there until June 2012.
As to defaults, it is down to you to inform the creditor that they need to remove anything registered after the date the IVA was accepted.
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
