Just a quick question as what to expect next, I've been lucky to get my CC and also to come off the IR all within a month of a F&F being accepted, I've checked my credit file and its shows as IVA completed, so what are my next steps? should I still expect to see defaults on my account every month or should I now start sending my CC off to all 3 agencies? I would just like to start getting things sorted but don't know how to start.
Your IVA will show on your credit record for 6 years from the start of your IVA regardless of the fact that you have completed early.
Your defaults should only be shown up to when the IVA was accepted. If creditors are recording defaults each month then I would write to the data controller for each creditor asking them to amend the record to show a date no later than the IVA proposal date.
Other than that I would just wait until nearer the 6 years.
Any defaults should have been entered on the date the IVA was approved of prior so any incorrect defaults will need back dating and should be updated to satisfied or partially satisfied.
PJG Recovery have a free online advice channel at www.debtadvicetv.com. If you are ready to ask us for specific advice or help, then get in touch at www.pjgrecovery.com/contact-us.asp . I look forward to speaking to you.
Thankyou for the reply's, I'll give them a couple of months to see how the defaults are being marked down, its strange as when I checked credit file before F&F all defaults where start date of IVA, but then some of debts have been sold on and its them that are putting defaults on but I'll wait a while as I've got till 2016 to sort it out before is should all drop off my file.
