I have finished my IVA. Not sure what to do about a debt that is still showing as a default.

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Norah

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Post by Norah » Sun May 08, 2016 8:19 am
Hello. I have finished my iva which started in April 2010, paid up. Off the insolvency list and iva has come off my credit listing. However one of the debtors who bought the original of one of the debts is still showing as a default. Not sure what to do now. Any advice please?
 
 

kallis3

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Post by kallis3 » Sun May 08, 2016 9:01 am
Hi,

If you have your completion letter then send a copy to the creditor asking them to remove all defaults back to the date the IVA started. They should then drop off.
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
 
 

Foggy

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Post by Foggy » Sun May 08, 2016 9:21 am
Get them to re-date the default correctly. If it is only a few weeks out of date ... wait. Look here:

http://debtcamel.co.uk/repair-credit-record-iva/
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

Norah

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Post by Norah » Sun May 08, 2016 12:18 pm
Thank you both. I will give this a go as suggested. Thank you..
 
 

Norah

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Post by Norah » Wed May 18, 2016 8:22 am
Hello. Thought I'd give an update. I am pleased to say today the default account has come off. The date was later than it should be. I'm very happy to see that go. It's been hard going sometimes but now I am out of debt I feel free. Good luck to others. Thank you to this forum for keeping me sane with your excellent advice.
 
 

Foggy

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Post by Foggy » Wed May 18, 2016 9:06 am
Excellent news :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

kallis3

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Post by kallis3 » Wed May 18, 2016 9:20 am
Great news!!
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
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