I am of course having my own private little fight when them as I still cant find any legislations that says they can report completed IVA as public records on the report, CCJ's yes bit it just seems to be an industry norm to do it with completed IVA's, but nothing actually supports it in wiritng tha...

wrong dates for defaults (some using discharge date) Some still showing as a balance outstanding some which I had cleaned up suddenly appearing with balances 3 months later some showing the account still defaulting. Some the the collecting firms ( Arrow global for example) with all sorts of weird an...

I have spent a year trying to clean up my file since discharge and I have to say the amount of mistakes is monumental. I have literally today sent all the stuff off to the financial ombudsman and ICO about companies refusing to correct the data and incorrectly reporting defaults after the date of th...

you can do a title charge at land registry online for £3 I think on your address, it will show who has charges over the property at the end of the report, it should have been removed but a good way to check.

Personally (once you have found the section in your agreement, if it is like the ones Michales company send out) wrote to them stating that as per your agreement with them they are obliged to present your offer to creditors within X days, failure to do so is a Breach of the agreement on their part a...

With only 2 months to go, can't you ask a dear friend or relative to help out and send the overdue payments ? So it can all be closed down ? Would be awful to fall at the final hurdle. Could you ask Ask for settlement based on payments to date due to change in circumstances (loss of employment)more ...

Hi, So I personally would be tempted to answer no, if there is nothing in your credit file to support this (defaults, settled or partial settled entries" and nothing in the public records section and you're no longer on the insolvency register (Google to search) you can check your credit file at nod...

Just as an update, I have just received notification that my Natwest account has been approved for my Limited company of which I am sole director, I presume it will be a foundation account (if you fail credit checks this is what they offer) all they needed was the certificate of discharge on top of ...

thanks longslog, I went to visit my Natwest branch today as it says in their site even if you fail a credit check we will offer a foundation account (no credit, no cheque book etc), but no local advisors have to do through national Centr so I have applied online, we shall see. Natwest Credit card wa...

Hi lifenitsoeasy, appreciate that, it does have the following criteria though font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Please confirm the following points are correct for you and other parties to the business: You are resident in the UK (and not the Channel Islands...

Hi Michael, It would work if the banks didn't ask about any controlling share holders aswell as director i.e. they don't just want to know who the directors are buts also significant shareholders. What I might need to do is open a simple account with the likes of cashplus for the day to day expenses...

Hi, I came out of an IVA about a year ago, was short lived lump sum IVA. I have recently opened a LTD company for a business venture and would now like to secure a business banking account for it. I would rather not use one of the specialist accounts for people with poor credit history but so far ha...

Thankyou :-) font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by ginger323232 Try the ICO - they will also have a list of Data controllers at each Company as well https://ico.org.uk/ Try typing in default on credit file in their search box "The default d...

There were some serious fines in there - which is nice to see !

Thanks, just trying to find the "written rules" lots of sites say this but looking for the actual directive that stipulates it so I can quote it, any ideas ?