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Hoovermelon
Posts: 8 Joined: Fri Feb 27, 2009 10:36 pm
Location: United Kingdom
Hi All
Took an IVA out in Feb 2009
Settled in full in Nov 2012
Checked my experian file and found a default account still showing from Intelligent finance
On closer look it says the account was closed in Oct 2011, a full 18 months after the IVA was taken out
I remember getting statements with them charging interest well after the others stopped, and spoke to Harrington Brookes and they stopped
Only problem is i am looking to remortgage but this will cause me a problem
Its been over seven years since my IVa was taken out
Do i speak to Harrington Brookes or direct to the lender, and how long is this likely to take to be removed
Looking for a quick resolution as im looking to move soon!
Many Thanks
Foggy
Posts: 33396 Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
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My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Andy.75
Posts: 163 Joined: Fri Oct 28, 2011 2:59 pm
Im in the same position but lender is Yorkshire bank. Its taken me about 3 weeks and half a dozen phone calls to them but they rang yesterday ( whilst mortgage advisor was in my home ) and said it had been removed with immediate effect ftom all 3 credit reference agency so ill check my credit reports in a week or two just to make sure. I also had to email them a copy of my credit files and my completion certificate
Andy.75
Posts: 163 Joined: Fri Oct 28, 2011 2:59 pm
I also told the mortgage advisor not to do my application until my credit file is clean
Lisa Thomas
Industry Expert
Posts: 7759 Joined: Wed Dec 03, 2014 10:26 am
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You need to send Intelligent Finance a copy of your CC and get them to update their records.