Yeah, that was my other question. How could they add it to my credit report? Is the 6 years from the default date? The default date was 22/06/06. or is it from the date you took out the loan which was 27/07/04. Should this be removed from my credit report on 23/06/12 regardless?

Thanks for all the replies guys, good advice and have lowered my fears, for now anyway. Its weird because Arrow Global said that they acquired the debt from Lombard in January 2012, how can that be? If the IVA ended in August 2011. Surely as part of the IVA they dont have a right to sell the debt on...

I finished my IVA in August 2011 and received my certificate of completion shortly afterwards. In January i started receiving letters from a debt collection agency called Arrow Global Limited, they stated they acquired a debt from Lombard (Intelligent Finance) and that i owed them £20000. I had a lo...

Hi there, I wonder if anyone can advise me. I entered into an IVA just over 4 years ago. When it was set up i was left with very little money to live on so a friend helped me out, it was very depressing. Anyway after a year the IVA company didnt chase me to update my details so i didnt contact them,...