Does anyone know when my name should come off the insolvency register. My iva ended in july but started 6 years snd 1 month ago. Also is there anywhere you can write company reviews in relation to how your iva was handled?
Not yet. Im with GT so dont expect my completion letter for at least a year! My iva was moved to them with neither my consent or knowledge and they are seriously lacking in the cutomer service department. I had no communication from them of what happens after the last payment. I am aware of ppi claims but dont feel I was misold so asked for the paperwork to waive my right to claim, that was allegedly being sent in july then in september but still no sign! I just want it all to be over , have the certificate in my hand , and get on with my life , but judging by other posters experience with GT it will be a very long time coming!!
Your name will come off the register three months after you receive your completion certificate which could be some time away. Get in touch with Karol who seems to get results for the clients of the forum and hopefully you can get your certificate soon.
You can review your IVA company at iva.com if you wish.
We've seen names coming off the register much quicker than the three months in which they are required to remove the names - and some are getting updated literally a couple of days from us sending our final reports. It does seema bit pot-luck however.
I had a interesting conversation with The Insolvency Service about the register this morning as I am still getting letters in the post from ambulance chasers, latest one received on Friday from Candace Finance and I wanted to know where they got my details from.
I wanted to know if the register was still available "offline" and apparently there is still a version with all closed IVA's on which is not available to the public but to only them and certain "Professionals" but they explained they would need a good reason for access to this data.
My concern was that this old data could be used for "Marketing Purposes" like this but was told that it cannot. Asked how long closed IVAs remain on their "Internal System" I was told it can be "a long time" but the guy I spoke to had no idea of how long this "long time" could be.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
The Insolvency Service do need to keep a record of people who have entered into IVAs historically, for statistical purposes and in the event of future queries. Iam not aware that this listing is available publicly or sold on to commercial companies.
Hi TheMatrix, under the Data Protection Act you should be able to request clear knowledge of how long your information will be kept, what will be done with it when no longer needed and what purpose it will be used for. You may need to speak to a different department frmo the chap you spoke to but somewhere in the I.S they will have this info as they have data obligations to fulfil.
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Mel, yes that's more or less what he said but I do also agree with what Tina is saying here too. However...
It would seem the DPA does not apply to them. Otherwise they would not be able to maintain a publicly available register on the internet identifying a living person by their Name, Address and DOB that can be searched on by all and sundry.
We are constantly told to shred our name and address on letters received so the amount of data publicly available on the insolvency register is all that is needed to start identity theft.
It seems however the IS have an exemption to the DPA from the Secretary of State.
What I'm more aware of now is that they could potentially hold out of date inaccurate data for what I'd consider an exceptionally long time at the individual level rather than holding this data at a aggregate level in order to carry out statistical analysis.
They can say all they like that it wont be used unless X happens and that it's a remote chance in the future that it will. But if the data is there, and it's inaccurate, there is always the risk of it being used for a purpose it was not intended to be kept for and a mail shot is sent out to an old address by mistake.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
Reminds me of the advert warning people every christmas that a dog is for life not just christmas.
In our case maybe the IVA adverts should be changed to 'An IVA is not just for 5 years but forever' to join in with the festive season.
I wonder though, much further in time, just like we can trace our ancestors back more easily and find that great, great uncle albert was a murdered and sent to australia!, 3 or 4 generations on will they start the hunt and find that great, great granddad went bankrupt as all this stored info gets released publicly as it so old and we are all dead...
Last edited by herbekj on Mon Oct 22, 2012 6:22 pm, edited 1 time in total.
Last Payment - November 2011 - Completion Certificate received 2 weeks after last payment, Removed from Insolvency Register within 4 weeks after last payment.
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by herbekj
I wonder though, much further in time, just like we can trace our ancestors back more easily and find that great, great uncle albert was a murdered and sent to australia!, 3 or 4 generations on will they start the hunt and find that great, great granddad went bankrupt as all this stored info gets released publicly as it so old and we are all dead...
I never thought about it like that, as the DPA is only relevant where it identifies a "living" individual. So in answer to that yes it might be possible if that data got released
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
Problem is those programmes on the telly that go into peoples past and dig around in written documentation are rather interesting.
Maybe I'll become the talking point over a christmas roast one year when my private sins are finally discovered by my future family, ROFL.
Last edited by herbekj on Mon Oct 22, 2012 6:39 pm, edited 1 time in total.
Last Payment - November 2011 - Completion Certificate received 2 weeks after last payment, Removed from Insolvency Register within 4 weeks after last payment.
It's very enlightening herbekj -- I have been "digging up my ancestors" (metaphorically) for nearly 30 years now ... I am sure my descendants will do the same for me !
Still an IVA doesn't beat a spell in the Tower or the odd beheading !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
True but then it starts the next question, why, maybe in the future money and bankruptcy is something alien and then they dig deeper to try and understand it or even the concept.
And then they go, oh, yeah banks, now we understand, society got rid of them 50 years ago......
Last edited by herbekj on Mon Oct 22, 2012 6:49 pm, edited 1 time in total.
Last Payment - November 2011 - Completion Certificate received 2 weeks after last payment, Removed from Insolvency Register within 4 weeks after last payment.
