Clearing up defaults

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Middle

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Post by Middle » Sat Oct 01, 2016 10:38 am
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Hi All

My IVA was completed in February and most creditors have marked as satisfied.
According to Noddle the two outstanding ones are National Westminster Credit Cards and NWB Current Accounts.
On my IVA voting forms those two debts were listed as Royal Bank of Scotland Group C/O The Insolvency Exchange.
My question is, who do I actually write to in order to get this rectified?

Thanks

Middle
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kallis3

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Post by kallis3 » Sat Oct 01, 2016 10:55 am
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Hi,

Was your IVA a five year one? If so then everything should drop off in February next year.
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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Foggy

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Post by Foggy » Sat Oct 01, 2016 11:05 am
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Makes little difference how they are recorded as long as the default date is correct -- they will disappear on the 6th anniversary however 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
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Lisa Thomas

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Post by Lisa Thomas » Mon Oct 03, 2016 9:53 am
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When is your 6 year anniversary?
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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Lisa Thomas

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Post by Lisa Thomas » Mon Oct 03, 2016 9:53 am
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You might find this quick video I made about cleaning up your credit record useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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Middle

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Post by Middle » Sun Oct 09, 2016 7:30 am
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Hi
Thank you for the replies.
I have another couple of years to go before the 6 year anniversary.
The two accounts are shown as being in default every month, is this correct?
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Piglet71

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Post by Piglet71 » Sun Oct 09, 2016 12:58 pm
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Hi, mine all showed as a default each month but the date of default for each was showing as a few days within the start of my iva. Once the six year anniversary of those dates passed they all dropped off automatically.
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Foggy

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Post by Foggy » Sun Oct 09, 2016 1:04 pm
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As said earlier -- WHAT they show as is immaterial -- as long as the date of the original default is correct it will drop off at 6 years regardless.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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