www.iva.co.uk

Hi,A little "info" to start with. My "last" iva payment(with Grant thornton) was on 1-1-2011 and then my standing order/direct debit was cancelled, but since then i have recieved "no" confirmation in writing that it has "finished". I have now since then applied for my Experian credit report just to see the "damage" of the last 5 years and there are a some questions i need to ask. Under public record infomation i have a judgement dated 13-9-05 and vouluntary arrangement dated 14-10-05. The Judgement i new "nothing" about and i presume nothing came of it when the iva was "approved", so would i be right in saying that in "six" years from the above dates as explained on the credit report, they will be removed or will i have to do something about it myself, keeping in mind i have "nothing" regarding this judgement and even though my iva has "ended", i have been sent "no" confirmation. Your expert help and what i need to do or ask for if anything etc will be much appreciated.

Hi and congratulations! Give your IP a call to confirm your via has finished and find out what happens next. Also ask about the judgement. The iva will drop off after six years but make sure there were no defaults after the date your iva was accepted. If there are, you can ask either the lenders or the credit ref agency to remove them. Congrats again!!!

Congratulations from me as well.

Speak to GT and make sure that your completion certificate is on it's way to you.

If you have any defaults added after IVA acceptance then just send a copy of your certificate to those creditors and tell them to remove the defaults.

On the subject of Defaults...

The Credit Reference Agency (The Data Processor) will not act unless the creditor (The Data Controller) tells them to.

You need to write to the creditor to get any defaults removed. The CRA may offer a service where they will write to the creditor on your behalf but ultimatly they will not remove the inacurate information unless the creditor tells them to, or the Information Commissioner issues an enforcement notice against the creditor.

I think the CRA only offers that service if you are a subscriber as I read a post about that recently, otherwise, as you rightly say, it is down to you to contact the creditors and the creditors to correct the entries.