My IVA was completed in January and I have been trying to get my credit file updated.
I now find out that Creditfix has not paid the sums owing some my accounts have not been settled and closed.
I'm wondering what the best way to tackle this. Should I make a complaint so my request is made official or would it be quicker to call.
The main thing is that the accounts have been defaulted on or around the date of the start of the IVA -- then they will drop off the file regardless of how they are marked.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Completion certificate received in January and off the register. The problem is at least one of my past debts has not been paid yet from the completion so they are not going to update my record and close the accounts. The accounts are still showing as current and in default two and a half years after the start of the IVA and 8 months after the completion.
Regardless of payment history they have to date the defaults the date of the start of the IVA. Use the templates in that article to get them to amend the dates.
Has the creditor themselves told you they have not been paid yet ? If so you need to get your IP to provide answers, possibly using their internal complaints procedure, then escalating, if need be, to their regulators via the Government Gateway at:
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by NightOwl
Completion certificate received in January and off the register. The problem is at least one of my past debts has not been paid yet from the completion so they are not going to update my record and close the accounts. The accounts are still showing as current and in default two and a half years after the start of the IVA and 8 months after the completion.
Just one question ... you say they are showing in default two and a half year after the start of the IVA ... did you by any chance pay the IVA off early with a F&F offer or did you do the full 5 or 6 year of the IVA?
If you have a completion letter then send that off to them and tell them to remove defaults back to the start of the IVA otherwise you will make a complaint.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I wonder if the creditors did not claim in the IVA by the deadline so were omitted from the dividend? in any event the IVA is finished so any defaults should be put back to the start date of the IVA and drop off once the 6 year anniversary has passed.
I'm in contact with CF and they are being very helpful. It looks like the final dividend amount for a particular debt was lost in the system and it is being tracked down.
Yes I did a F&F in January 2016. Still got 3.5 years before these will disappear so I want to get them showing as closed and partially settled from the beginning of the IVA.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I'm sorry to raise this again. I have managed to get all my old accounts involved in the IVA to show settled or satisfied at the end date of the IVA. This is through rounds of letters and the Financial Ombudsman intervention. I dont have any accounts that show a status other than default for the payment history up to the end of the IVA. Certainly not the start of the IVA. My question is, is there a rule that states an account must not show default after the start of an IVA?
How else can they drop of at 6 years from the start of the IVA.
Last edited by NightOwl on Fri Dec 02, 2016 9:48 am, edited 1 time in total.
No such rule. The default should be dated on or before the date of the IVA. It will then show as defaulted right up until the IVA concludes, when it will be marked satisfied or partially satisfied ( or left active -- makes little difference), but it will still show as a defaulted account ( after all --- it is! ) until the 6th anniversary of the default date when the whole shebang will disappear.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Thank you Foggy. So there is nothing special that needs to be set on the closed accounts as someone will come in and remove the IVA default and all closed accounts automatically? So even though an account shows defaulted up to say 3 years before the six year anniversary of the IVA it will still be deleted?
