many thanks, last question I promise - if a debt is on there with wrong default date and then underneath says debt assigned to CAIS member and a start date for them, who do you send the letter to the original creditor still? or CAIS member whoever that is

So if there is already a N of C there the 3 credit agencies will remove it when asked, if not 1 on creditors cant put one on,

I'm in the process of writing letters to creditors asking them to change default start date of iva as some r wrong and at the end of July this yr will have been 6 yrs since the start of the iva so should come off accordingly, I'm using the template letter someone on here showed me, and website. Howe...

Sorry people me again, im currently looking at my credit agencies information as everything should come off after 6 yrs which is july this year. I've contacted the 3 main agencies and had mixed responses. one has filed a dispute with the creditors and I should hear back within 21-28 days, another ha...

Thank you im emailing the credit report agencies first and seeing what they say

I thought you had to go to each individual creditor to get the default date right and not looking forward to that as brings back awful memories, if its just the credit ref agencies that is much better

So is it the three main credit agencies I need to write to to amend the default dates not the individual creditors themselves? Some of the companies have sold my debt on too whilst in the IVA so different default date. Its confusing too as one of credit agencies only has so many of my default credit...

many thanks, love this forum, was so helpful all the way through our IVA

Hi can I ask when do you officially start an IVA is it after the creditors meeting? We had our creditors meeting back on july 30th 2009 and know we paid our first initial payment at the beginning of july, we finished IVA early back in march 2013 and received completion certificate in march 2014. I'v...

many thanks, ive looked at one report and the default dates are different on some of the credit agencies, the date should be around the time we started the IVA shouldn't it not 6 months or some are over 2 yrs after and all were in the IVA? What do I do with these? Also some have been bought by anoth...

Hi we started an IVA in july 2009 and ended up finishing early in march 2013 due to health reasons a settlement figure was reached at and received our completion certificate march 2014. I have checked on the IVA register and our names are not on but our credit files have not been updated. I know it'...

UPDATE: It seems that one of the companies is sending me a cheque directly for the PPI claim and I have to pay both the PPI company and the IVA company that money. I rang the PPI company up today and they had rung the IVA company yesterday asking if they had an interest in any of the monies . They s...

hi wanting some advice really. We completed the IVA March 2013 by putting a final offer in as due to my ill health we couldn't continue paying into IVA. However it took the IVA company a full yr to give us our completion certificate stating that PPI was holding things up. We had to formally complain...

Excellent thank you, just want to say a massive thank you to everyone that has helped me on here too, you have been a real support , especially as 12 months ago we thought we were facing bankruptcy and ended up completed our IVA instead. There is light at the end of the tunnel[:)][:)]

Hi I had to put a final proposal in myself last yr due to ill health. Seeing as you have done 64 months already its worth asking the IVA company whether creditors would just accept what you have paid so far and complete it , if not they may come to some agreement over paying a small amount (may not ...