Hi sorry for delayed reply. Yes always the same balance stated. They are not chasing etc but it says I do not have to do anything. I will make a formal complaint now.

The defaults are gone and my credit has improved I have a couple of Top current accounts and Halifax credit card which I manage well. They were a creditor originally which baffles me why HSBC Marks Spencer keep a record internally. They don’t report anything to the CRA.

I would check the original dates the defaults were added to ensure they are correct. Sometimes if you write to a creditor and ask for removal some will do this but only in certain circumstances. Nothing to loose by asking them.

Just a quick question my IVA finished in 2016 CRA not showing any old debts but I applied for a Marks Spencer credit card who were a creditor in my IVA and HSBC underwrite their cards only to be told I still have a card with them.i guess these companies keep internal records of former customers who ...

My IVA was removed from my CRA in 2016. I do not think they are allowed to send these statements I thought the debt is written off when a IVA completes. My concern is if my mail is opened by mistake by someone else. Would the ICO be worth contacting to complain?

<t>Hello my IVA completed in June 2016 but I still get annual statements from Cahoot showing the original balance despite me calling them. Also marks and spencer still show me on their systems as having a credit card with them despite it being in the IVA which is strange. Can I stop Cahoot sending s...

Yes thanks they are removing default too.

Update. The FOS upheld my complaint with wageday advance and have instructed them to refund the interest and payments. My IVA company did confirm they have an interest in any refund so I will need to see how much they refund me and then try negotiate with the IVA company.

Good news now that they have at last realised this debt was included in my IVA which completed last June. Thank you for your reply.

<t>My IVA completed this year 6months ago and most creditors have amended my CRA files accordingly. I had a vanquish card in my IVA which was added mid term in the IVA and Capquest bought the debt in 2013. The problem is despite my completion certificate showing the Vanquish debt along with the othe...