Defaults should drop off automatically, they don't with equifax though, its like 2 weeks later after the 6 years. Call credit appear on the ball and delete within a couple of weeks before the 6 years.
Experian I was told 6 years and a day, still there though, checking again tomorrow.
Sending your completion report to the agencies ensures they mark it as completed so that when the 6 years is up it is deleted too. They wont delete the IVA record until they get confirmation the IVA is completed, even if it has been 6 years.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
Your IP should let the agencies know but you will need to check to see if any defaults are on there after the date of IVA acceptance. If they are then you need to contact the data controllers for those creditors and tell then to remove the defaults.
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 believe, and I could be wrong here, that you just address your letters to the data controller at whichever creditor is still defaulting you.
I'm sure TheMatrix will be along to advise - he's pretty good with this sort of thing.
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
So I contact these agencies they can tell me who still has a default on me then I send the data controlelrs the certificates and the credit agencies as well?
You need to send for a copy of your credit record from Experian, Equifax and Call Credit - should cost you a couple of quid a time to see if you have any defaults that shouldn't be there.
You then write to the data controllers and enclose a copy of your completion letter. You don't need to send one to the CRA.
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
The insolvency service should let the agencies know, after the IP informs them that the IVA has been completed.
List of data controllers, and their addresses, can be found on the ico.gov.uk website.
My internet is playing up at the moment, keeps going down and when it comes back up everything is slow and sometimes does not load up the pages, otherwise I'd find the URLs for you but there are some template letters on the forums here somewhere, Not in this section though.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
First - get your credit record and see what they say.
Once you get that then come back to us.
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
Agreed, your first step is to get hold of the 3 credit reports from Equifax, Experian and Call Credit. Without them you wont know what needs correcting, if anything.
As mrs torch and i are in a joint iva, when the time comes, do we have to get a credit report each(ie 2x£2)
Aucto Splendore Resurgo.
IVA accepted May 2007.
Extended by 12 months in lieu of equity March 2012.
F+F offer accepted May 2012.
C of C received August 2012.
IVA dropped off credit file 24th May 2013.
