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by Pricivius
Tue Aug 19, 2008 12:51 pm
Forum: postings for august
Topic: Default Notices - why 6 years?
Replies: 3
Views: 1110

Sorry if I'm being dopey but I can't seem to find the answer to this anywhere... I am aware that CRAs can hold Default Notices on your record for 6 years, but what is the basis for this? Is it simply DPA, or is there some other law which will allow them to? Surely there's something somewhere? Thanks...
by Pricivius
Thu Apr 03, 2008 11:36 am
Forum: postings for april
Topic: Dispute debts AFTER IVA
Replies: 29
Views: 3636

Sorry, but what is meant by statutory binding?

That the debtor has a defence to the creditor chasing the debt after the IVA, and the creditor has a defence to the debtor questioning the debt after the IVA?
by Pricivius
Thu Apr 03, 2008 11:05 am
Forum: postings for april
Topic: Dispute debts AFTER IVA
Replies: 29
Views: 3636

Thanks for your advice...

Bogus creditor may be the wrong description - what about a debt such as a current account overdraft or credit card, and then after completing the IVA, you dispute the debt under bank charges or someone else opened it in your name?
by Pricivius
Thu Apr 03, 2008 10:32 am
Forum: postings for april
Topic: Dispute debts AFTER IVA
Replies: 29
Views: 3636

Hi all, I have a theoretical query that I was hoping someone could help me with. If I entered an IVA with 10 separate creditor debts and completed my IVA, can I then dispute one of the debts if I believe it was not mine, or are the debts somehow "locked" by the IVA process? It would appear to me to ...
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