Thanks for clarification and advice both

My IP removed me once the CC was issued and then I think it didn't take long at all...I think guidance is 3 months post CC issue but I remember it being removed sooner than that.
Hope that helps.

I entered into an IVA on 16.06.2010. I completed the IVA and my completion certificate is dated 05.11.2012. I want to move on and get a mortgage in Aug this year so I want everything to drop off asap after June - I have written to all of my creditors and asked them to mark my file as settled and to ...

I have sent them an email asking for clarification. I hope they aren't but I want to be certain future lenders won't be able to see them...

Hi IVA started in 2010. I am ordering credit reports to see the state of play with dates, sold on debts by lenders etc with a view to everything dropping off file next year and then getting a new mortgage. I've just ordered Equifax report and noticed that it has a history section now for archived Eq...

Also

Does anyone else have monthly default notices past IVA start date? According to a guy at beatmydebt they should stop on IVA start date...

I thought I knew what I was doing, now I am confused...

Hi All I've had some success in the past getting dates corrected and £0 "satisfied" balances which the wonderful letter templates and FO help. My new question is what can I do about sold on debts - I have 3 creditors who have sold my debts to other companies. What if any thing can I do about duplica...

I agree. "Go back to your IP & haggle a bit! You have nothing to lose by doing so..." My circumstances changed during my IVA and I went from sharing to living alone, obviously my bills went through the roof. My experience was that if you can show the outgoings with proof i.e. bank statements and rec...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by ClareSilver You cannot open a Co-op cashminder account online, it has to be done by post or in branch. However a 'normal' Co-op account can be applied for online. I opened the Barclays online, not co-op.

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by wiggle1 You're very lucky, scooby, I'm still on the Insolvency register, the NatWest keep defaulting my old current account despite having already written to them.I had hoped that it would all drop off...

online - good luck

It's taken time, lots of recorded delivery and making friends at the FO but records are now (as of Oct Noddle credit report) all marked as "closed" and "£0/satisfied" It's taken forever (allowing 28 days after each letter) but I couldn't have done it without these templates and advice on this thread...

I have co op account and have used it happily for 3 yrs. IVA completed early by F&F Nov 2012.

I had debts with barclaycard in IVA and I just applied to Barclays for a current account(panic and unnecessary maybe but I want a backup free banking service), and got it.....

Hi I started IVA in 2010 and have completed by F&F in Nov 2012. Trying to clean everything up for house move. I know it won't all disappear but I've been advised to ensure the info is cleaned up and all accounts in IVA should be £0 to indicate they are settled/satisfied. The problem lies - looking a...

Thank you Foggy - appreciate the info. That explains why I haven't a clue who they are then - it's no clear which account they took over from the info on my credit file, nevertheless I'll get a letter to them today!

Thanks x