hi my IVA finished in January 2017 and I have now received a letter from one of them asking for the remaining balance . I was under the impression that they cannot do this and all balances were written off per the terms of the IVA?
Also the company with whom my IVA was with have themselves gone bankrupt!!!!!!!!!! and the company which has taken over their accounts have limited information about my IVA .
I have my completion paperwork however I require a list of my original creditors and my original court agreement , also my insolvency number as well . Also according to the insolvency register my IVA is still current !!
How can i obtain this information ? If anybody has any suggestions i would be grateful
It will remain on the register for up to 3 months after completion before dropping off.
All balances are written off and it could be an admin error or your debt was sold on. Send a copy of your completion letter to the creditor.
Also, check all 3 credit reference agencies and it should show you who your creditors were as they will stay on your record for 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
You can get yourself off of the Insolvency Register by sending copies of the completion paperwork to the Insolvency Service --- it would seem this might have been overlooked in the transfer. The IS should be able to give you your reference number.
The completion paperwork should list all creditors.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
kallis3 wrote:
Also, check all 3 credit reference agencies and it should show you who your creditors were as they will stay on your record for six years.
I keep seeing this on the forum. So, if your IVA ran for the full 6 years, should your details still be on the credit file? Or you mean 6 years after it finished? Or, it's on there from 6 years since it started+ 3 months to complete all the other formalities.
Hope this isn't confusing.
For your credit reference, all defaults should drop off after six years from the start of your 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
kallis3 wrote:
Also, check all 3 credit reference agencies and it should show you who your creditors were as they will stay on your record for six years.
I keep seeing this on the forum. So, if your IVA ran for the full 6 years, should your details still be on the credit file? Or you mean 6 years after it finished? Or, it's on there from 6 years since it started+ 3 months to complete all the other formalities.
Hope this isn't confusing.
There are different "files" : You should come off the Insolvency Register three months after the completion certificate is issued. Defaukts and the IVA will remain on credit reference agency files for 6 years after the start date of the IVA, if dated correctly. Defaults will drop off at 6 years, the IVA will drop off after 6 years only if completed.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
