OK; second question - who within that organisation do I need to contact?

Ryan,

Thanks for your reply.

It's showing as partial settlement. Didn't even appear on my credit report the month before that date...

Will give you a shout shortly on the mortgage.

No default date shown as far as I can see but the account shows as running until a point in 2013.... Account type Credit Card Account number ********* Account start date XX/XX/2001 Account end date XX/XX/2013 Payment start date XX/XX/2001 Repayment frequency Monthly Status History: April 2013: May 2...

That FAQ doesn't help....

Well.... I hadn't opened a fresh account with that lender... It's an update on there original account...

Yep - completion certificate received prior to the lender providing this update...in fact, I assume it's the completion that's caused them to provide an update...

Hi, Entered IVA in early 2007, exited successfully early 2013. Just going through my credit reports and found a "Partial Settlement" from one of my lenders in mid-2013. Should this appear on my file? I thought all accounts should have dropped off by now..is it right they can put a partial settlement...

Yup...

Selling my house now will still mean I'll miss the target by a country mile...it will only realise maybe 25k after agency costs etc...

And then the family will be homeless... plus bankruptcy will almost certainly mean I'll lose my job, also...so no money to find somewhere else to live....

Thanks, Paul

Neither of you have managed to allay my worries, but I think they're now justified...

Melanie, Paul - Many thanks for your advice to far. It really has been appreciated.

Melanie - this would be a last resort as I have a young family PD - If you do the math - £130-140k Think it's time to take this offline with the IP.... Not tried to speak directly to an IP but their front office only so far. If my conversations don't go well (e.g. I can't speak to the IP directly an...

£700+ ... so a fair whack...

If this was set on an expectation of you releasing equity from your property, then a variation may be sensible - but only when you have some firm offer to make to creditors as an alternative. Melanie, What sort of firm offer? There's already clauses about remortgage to 85% LTV in Year 4 etc so, IMH...

Just over 3 years. Not talked to the IP about it yet so don't feel it's right to give any names out.

HMRC are not a creditor...guess I should be talking to my IP about the possibility of a variation to remove that clause?