Experian Report

[Hoovermelon]

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]

Have a read here:

http://debtcamel.co.uk/repair-credit-record-iva/

Good luck.

[Andy.75]

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]

I also told the mortgage advisor not to do my application until my credit file is clean

[Lisa Thomas]

You need to send Intelligent Finance a copy of your CC and get them to update their records.