I dont know if this helps, but I just used to say 'I' wasnt in - they cant discuss anything with you until you tell them who you are, and confirm that you are the account holder - I used to say - "who is calling please?", they asked if 'I' was 'me' and I said "no", and again, "who is calling please?...

Yup! - we're damaged goods!

I guess the daftest thing about this now is that I DO have a mortgage and its being managed perfectly - I just cant change it in any way. So no matter how well I manage my finances (and mortgage) it seems im stuck - I say "BOOOOOOO!"

Im sorry - i just re read my last post and it sounded a bit harsh and it wasnt meant to!

hope i didnt offend you - sorry

Thanks Kallis, but as i said in my previous post - my IVA was completed almost a year ago - i got my completion certificate thro a while ago, but the actual IVA meeting of creditors, where my Full and Final offer was made, was in early 2009. it is this reason why I had assumed it might show as settl...

thanks Andy - my point is that i believe the status on my report shouldnt read as current. Shouldnt it say completed, or settled or something that suggests it is completed. I know it will still be visible, but i had hoped it would outline that it was satisfied. And the second point: I couldnt undert...

I had considered surrendering my house too as I could move to a rented house of a similar standard for less money than my standard variable rate or pay the same and get a nicer house where someone else is responsible for any major repairs. My house is worth marginally more than my mortgage so I dont...

I too am on standard variable rate with Northern Rock (spotting a trend onhere :-)) My IVA was approved almost a year ago now and i am in the process of sorting out my credit file which still seems to be out of date with creditor status details, but... I would like to see if I can either move house,...

Opps, I just posted almost the same question! I know that M&S have recorded on my credit report that my balance is 'satisfied' but Sainsbury's, Halifax, Capital One, Barclaycard, egg, MBNA and Mint are all still showing as having outstanding balances - over a year since my IVA was approved. Do I nee...

My IVA was agreed in early 2009 after a full and final settlement and I received my certificate of due completion in Jan 2010. 3 months after this I have looked at both ethe insolvency register and the credit ref details held by Experian. The Insolvency Register is still showing my account as curren...