Thanks for the replies. It just seems unfair that after 6 years you can still be tainted by the default for another few years.

I am currently working my way throgh an IVA. Is has been running for a year now and all is going ok with it. However, one of my creditors, Lloyds, is about to enter a default on my record. They should have done this back in October last year when the IVA was originally setup I believe. My understand...