My IVA was accepted on 23/09/2009 so keeping an eye on the credit files in the hope all will be clean before too long.
However, I have spotted that 2 of my creditors marked the agreements as 'settled' but around a year later in 2010, presumably when they sold on the debts? I want them to change these dates to the date the IVA was accpeted as I beleive that is the rule.
Can anyone advise if I am correct? If they leave them on as 2010 it's still possible to see the missed payments and I might struggle to get finance etc for a year longer than I ought. I need to buy a car soon and hoping to get sensible finance offers.
IVA Accepted - Sep 2009
F&F Accepted - Oct 2014
CC Received - Jul 2015
I have the same problem with Barclays who are refusing to change the default date which is 8 months after the start of our IVA. I am now ready to contact the financial ombudsman. Other creditors have not been so awkward. I'd definitely recommend starting to send the letters out asap by registered delivery. Good luck!
Neither of these debts have been marked as 'default' only as 'settled'. If they were the right date I would be happy with that as it's less defaults on record. However as they are a year behind it will mess up the credit files.
Should I push them to add defaults on the correct date or just leave it and accept two less defaults?? One of them refers to the VT of a car, this never happened I kept the car!
IVA Accepted - Sep 2009
F&F Accepted - Oct 2014
CC Received - Jul 2015
I am also having a problem with Barclays they have a default date 2 years 3 months after my iva started they won't remove me I have gone to the ombudsman still investigating this since last October next step for me for me will be contacting a solicitor.
Last payment made August 2012 Certificate of Completion recieved 15th of Novenber 2013.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
The ombudsman contacted me yesterday and said Barclays will remove me but when I don't know I was supposed to be removed in august 2013 after 6 years That didn't happen for me Barclays have dragged this on and are being stubborn about this and it's been a long investigation which should not have lasted this long hope you get yours sorted out cleo76.
Last payment made August 2012 Certificate of Completion recieved 15th of Novenber 2013.
Sorry to hear it's taken so long. How stressful for you. I just presumed everything would be cleared after the six years but at the moment Barclays will also be dragging this out for us too.
Foggy has provided some good advice above. Sometimes it can take a little while to filter through to the credit reference agencies but persevere. None of the debts included in your IVA should record any detrimental information past the IVA date.
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yes its been very stressful and a very long investigation its already passed the iva date shaun i am a year and 9 months over the six years according to barclays i am due to come off in nov 2015 but hoping to be off soon as this is still being investigated.
Last payment made August 2012 Certificate of Completion recieved 15th of Novenber 2013.
