font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Tab This has always confused me, my iva is completed about a year early so I am tying to clean up my file, some of my default dates are 3 to 4 months after the start of the IVA ! Do I send my completio...

Ah the wonderful credit file. I had exactly the same issue with one of my creditors even though they were part of my IVA in 2006 they decided it was necessary to update a default notice date to 2008. Which meant that this could have potentially added more years of default to the original one. I have...

Just wanted to say thanks to Matrix and the rest of you for your advice. The ICO came through for me and found that the bank was in breach of the data protection act. I am just waiting on the details to come through now and for it to drop off of my credit report. Very relieved as it was doing my sku...

Hi all, My GF has an old orange bill she owes around 300 on. This was sold onto to a debt recovery agency I believe. Now there are baliffs outside her door saying they will clamp and remove her car. They cannot show any sort of court order just letters saying she owes this amount. Theyve demanded th...

Many thanks TheMatrix I will try getting in touch with the financial ombudsman as well and see how that goes. Yes I have sent the necessary documentation to the ICO with all the letters and correspondence.

I just use confused I haven't been turned down by any insurance companies even when I was in an IVA. I do notice every year that they bump the price up by a few hundred which takes me right back to confused for another quote! I pay monthly through premium credit.

Just an update. I have written to the ICO.gov and provided them with details but Im still waiting. It seems like forever. I sent an email to my IVA supervisor: my email: I am writing to yourselves for some an advice on an issue I am having still which is with reference to PSA finance who have put a ...

Hi kallis I've written to them numerous times. I sent them an in depth letter with dates and all the possible information they would require. And even this managed to escape them. I clearly showed them that my IVA began in 2006 and they were on there. They acknowledged the fact that they were and sa...

Many thanks for this TheMatrix I will get on the case this week. I have already started writing my letters. For dispatch on monday.

Thanks for your reply thematrix. I sent my letter to their data controller and I have received the reply from their litigation department. This stated what they did was correct and that they would not and could not remove the record. Yet they were quite happy to put it there 2 years after I started ...

Thank you for your replies. I just received a letter from the company from their litigation department. They said they have updated my credit file correctly. They will not remove it and will not ask for it to be removed and they said they have also mentioned the IVA. So basically they are saying tha...

Hi All, After a long six years my IVA came off my credit report on JAN 24th this year. There was an entry on there which was clearly in my IVA. When looking at the dates this company actually defaulted me in 2008 when my IVA started in 2006. I wrote to them towards the end of last year and they just...

Thank you Kallis,

Im going to go down to carcraft today and see how it goes. I can still choose a car from there and passed the details to moneybarn and see if they will finance me I guess. Will let you all know how it goes.

Has anyone had any experience with getting finance from car craft? I have copied a post I read by julie below. It said towards the end the carcraft did provide finance for a vehicle with a large deposit. I have actually finished my IVA but it is still on my record until jan 2012. I was hoping to hol...

Thank you Kallis I think I might give moneybarn a try and see if I can arrange something through them. I'm definitely going to wait until January to see how my credit rating will fare around that time when the IVA status should drop off. At the moment it says my rating is fair. I did expect to say v...