Hello, I completed my IVA last year and my six year anniversary is next month. I notice Halifax on my credit file defaulted yesterday despite the original default date of 19/10/10. I understood that defaults should fall off after 6 years?. Anyone know if this is just computer updating . I informed all my creditors of Iva completion so I'm baffled they have defaulted at 6 year point?[?]
The default date is the important thing --- the monthly status updates are merely repeating the original int formation NOT re-defaulting. Give it a few days ant it should disappear, lock, stock and barrel. If not just remind the agency.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
The default date on my Halifax credit card was 19th October 2010. But for some odd reason the date itself has been changed to 25 Oct 2010!. Can the creditors do this ?. Change a default date? Equifax are going to take it up with Halifax - just don't want it bouncing every week. On the positive - 4 defaults turned green. Only 2 defaults showing.
Last edited by winter_blues on Fri Oct 21, 2016 6:07 pm, edited 1 time in total.
The main thing is that it will all fall off shortly.
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Just keep on checking and then contact the data controllers for for Halifax and tell them to remove the default back to the start of the IVA so it all drops off at the start 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
