Lisa is right - they should all drop off after six years.
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 have no idea Squawk. I presume the CCJ was included in 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
Just had a quick look at Experian - The CCJ was superseeded by the IVA - however the CCJ was not completed, hence the reason for the CCJ showing.
But as said both will drop off after 6 years.
ginger3232 wrote:
Just had a quick look at Experian - The CCJ was superseeded by the IVA - however the CCJ was not completed, hence the reason for the CCJ showing.
But as said both will drop off after 6 years.
What do you mean by the CCJ was not completed?
In the letter I got from my IVA company on completion it stated that any adverse entries made against me in the County Court would be cancelled.
Just as an aside 2 out of the 3 CRA's show the CCJ has been satisfied, it's only one that I'm having a problem with.
And are you saying that you accessed my credit file?
Hi Squawk, hope you get this sorted, unfortunately I can't help with any added advice but think ginger meant they had looked at the website of experian and not at your credit file.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
If you've never had a CCJ then there shouldn't be one on your file as an IVA is shown as an IVA on your credit record.
Does it say what company has registered it? It could be on the wrong record. Perhaps someone has the same name as you and the CRA has made a mistake.
I'd speak to Experian and ask them if they can furnish you with any details.
Ginger won't have been able to access your record so you have no worries there.
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
Sorry for the confusion - no i can not access your credit file. If you have a CCJ and enter into a IVA - the IVA with superseed the CCJ - however the CCJ wont disappear. Nor is any scope on file to place "partially satified"(experian website does have loads of information leaflets for download on all topics regarding your credit file)
If a CCJ has been entered on your file incorrectly then you need to challenge this, find out who issued this to you
I paid off my IVA last year, received my notice of completion, and the IVA's sixth anniversary was last month, however when I checked with Experian, my IP hadn't informed them that it was complete so it's still there. I now have to write to all of the credit reference companies to set my record straight.
Hi Cakemonster --- I am afraid informing the credit reference agencies of your success in completing the IVA isn't down to your IP. He / she will send a copy of your completion certificate to the Insolvency services to get you off the insolvency register, but clearing your credit file is down to you.
I would imagine that some of your creditors have defaults filed that post date the acceptance of your IVA.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
