Post IVA sorting your credit record

[hershman]

My IVA started in January 2007 and finished in June 2009 (settlement with help of a relative) so I have still got over 2 years to go before the IVA comes off my credit record. Having got copies of my credit record from the 3 main credit companies I have found that two creditors who were included in the IVA are stating that I am in default and that I am not making my payments on time which makes my credit record look worse than it should even with an IVA. Why have they not been included in the IVA - all the others have entered that the debt is settled although the full amount has not been paid. I seem to remember on this site that someone has a template for a letter for this type of situation - Kallis? Could someone point me to where I can find this or alternatively what should I do?

[kallis3]

Hi and welcome.

Have these creditors been defaulting you since the IVA approved? If so then I would just write to them explaining that they were included in the IVA - and they would have been, telling them to remove any defaults post IVA acceptance.

Include a copy of your completion letter.

[hershman]

Thanks Kallis3 for your reply - yes they have been defaulting me since the IVA started and even when it was settled. I seem to remember a prototype letter on this forum to send to such creditors to make sure they did something about it. When I have phoned these creditors and said that they were included in th eIVA and why were they writing to me saying I owed money they say dont worry nothing will happen we just have to send these letters saying you owe money as a routine admin thing. One of them has not been contact at all the other sends these letters every 6 months. I was wondering if anyone knew how I could get the prototype letter to send to these creditors?