Noddle / Call Credit

The other 2 reports are now spotless

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by ClareSilver Have you tried raising a dispute with the credit reference agency itself? They can sort this on your behalf, however the recommended way is usually by the original creditor as it's supposed...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by ginger323232 Have you received the completion certificate ?? - If not ! the IVA is still active. The IVA will remain on file for a minimal 6 years - longer if it still remains active. When you receive ...

Hi all Wonder if anyone has had any experience with Nationwide failing to update the credit files. I completed IVA in Dec 12 and promptly sent letters to creditors who had incorrect information listed with credit agencies. Due to delays with PPI and VAT claims the IVA is over the 6 years so there sh...

Where's this debate?

That's a good point, I wonder if they can check with each other? Heres the situation, I am over 6 years, completion certificate is due any day now, credit histories are nearly clean (just the IVA which will come off once I have certificate and one default that is incorectly dated but only be a few w...

Thanks IVANotOVerYet........of course if they ask then telling them will make it known.

Can anyone out there give a definative answer for ways it can be traced beyond the credit agencies or declaring it.

If you are applying for a Mortgate post IVA how would the lender know that you have been in an IVA? Can they check historic records?

This is assuming its over the 6 years and all your credit agency files are cleaned up.

Thanks all So what we are saying is: 1- All the defaults should come off next month (6 years from start of IVA) except any that the start date was posted incorectly. 2- The IVA will remain until my IP sorts themselves out and issues completion certificate, of a further 6 years, whichever is sooner (...

Mi IVA will hit the full 6 years in a couple of weeks. I made my last payment a year ago and was waiting on VAT, now PPI to be sorted. My questions is what will happen to my credit record when I hit 6 years, even though the depts aren't maked as "settled" will it become irrilevent as the dates are o...

So an update....

Got straight onto Gary at VN who promised to look into things, speak to the managers at Richardson Mail and get things moving. That was 3 weeks ago and I havent had an update.

Seems it's upto me to keep doing the chasing!

Sponge- yes I agreed as I was told at the time I had to, and not doing so could lead to failure of the IVA...this was about a year ago. Melanie- Thanks, I have told them many times now that there is no PPI, but they say they can not take this from me and need the creditors to confirm. Thanks for the...

PPI...See: http://www.iva.co.uk/forum/topic.asp?TOPIC_ID=47553

VN did this to me also, they put it down to a "miscalculation as the origional figures were estimates" at the time I felt they 'had me by the balls' so I paid.

That was some 9 months ago, and there still to close!

So I made my last payment to Varden Nutall in Nov 2011, the full 5 years from starting the IVA. Followed by an unexpected further payment in Dec 2011 (only ~£100 due to calculation errors on their part) I was then caught up by the whole VAT debacle. After chasing and chasing I was told a couple of m...