My husband and I entered and IVA agreement which was completed on 16th May 2011. We had expected the details of this to leave our credit file after 6 years - is this so? Should it be taken off our file next May? There is detail on our files under the completed category that says most of the debts have been satisfied but there are three that still come under the open file and are marked as defaults - why is this? Will we be expected to pay those off? We haven't had any contact from the creditors concerned and the debt has remained the same since day 1. Also some of the paid debts say that the account was closed way after the IVA was completed - some as late as 2015 - what significance does this have? Many thanks.