Littlewoods

[Skippy]

To those of you having problems with Littlewoods I have found out today that there is hope!

I am in the process of tidying up the defaults on mr credit reference files and I sent my letter to Littlewoods requesting that they amend their records. I wasn't optimistic, as they had been a pain and kept contacting me for payment when I had been made BR.

I had a reply from Littlewoods today, and I wish I'd been sitting down when I opened it! They are sorry that I had to complain, have amended the default date to the same date as my BR and marked the debt as partially satisfied, all as requested!

Lets hope the others are all as good!

[animaleyes76]

is this worth doing whilst still in an iva or at the end?

I've heard that some companies default you again at the end of the 5 years which will clearly make things difficult for another 6 years even if you put a notice of information on your credit file to say that it was part of the IVA.

Are they allowed to do this? It seems unfair after you have completed your side of the bargain to be defaulted again

[Trickles]

We received a nice letter from Capital One saying that they were sorry we were having financial difficulties and if our IVA wasn't approved to contact them to see if they could assist in anyway.

[Skippy]

Animaleyes, I went BR last year and under BR laws creditors aren't allowed to issue a default after the date of BR. Unfortunately in an IVA they can carry on defaulting you.

It does seem very unfair that companies can carry on defaulting you once you are in an IVA. The only reason I can think of that they can do this is that while you are in an IVA you still owe the full amount, whereas in BR debts are written off as soon as you are BR. Not fair though.

[animaleyes76]

I might get a copy of my credit file just to see what is actually on there since my IVA. Some of it is bound to be wrong.. Was the last time i looked and that was Pre-IVA lol.

I just think it's unfair to be able to default after acceptance of the IVA as they have in effect agreed to the terms of it. (

Boo hoo lol only about another 41 months to go...

[Skippy]

It probably is worth having a look at your files. There are a couple of things on mine that need changing - according to Callcredit I was made BR twice on the same day at 2 different courts but with the same reference number! I've also got to get a different name removed from one of the others - Phones4U spelt my name completely wrong and I now have an also known as!