Capital One & MBNA

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Til

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Post by Til » Sun Jul 10, 2011 7:33 am
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Hi all

Just a quick question as I got my annual credit report today - not that it matters as still have 3 years to go but I like to have a nosey.

On it it shows that MBNA made several default notices for around 12 months after my IVA started... and Capital One are still defaulting me every month up to today!

Whilst this isn't an issue now - am I right in assuming they should not be doing this?

Also when it comes time in 3 years to do the housekeeping ... to whom do I write to get these defaults removed?

Know its ages off but I am a planner lol! [:I] x
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
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kallis3

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Post by kallis3 » Sun Jul 10, 2011 7:41 am
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Hi Til,

They can do it whilst you are in your IVA but as soon as you complete then they have to remove any defaults added after the date the IVA started.

You will need to write to the data controller for each creditor concerned enclosing a copy of your completion letter and insist that they remove those 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
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Til

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Post by Til » Sun Jul 10, 2011 7:50 am
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Ah thanks Jan - wasn't sure if it was the credit agencies that I wrote to.

Good to know they aren't doing anything they shouldn't and will look forward to writing to them in 3 years lol!

Thanks for the help as always [:)] x
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
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kallis3

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Post by kallis3 » Sun Jul 10, 2011 8:52 am
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I shall be doing the same when mine finishes - one of my companies was defaulting me every month but I've not checked for a long while now so no idea if they still are!!

I hope you are well.
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
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Shining

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Post by Shining » Sun Jul 10, 2011 11:28 am
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It's something I will need guidance on when my IVA concludes as I haven't got a clue, so I'll be turning to my forum buddies. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kat68

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Post by kat68 » Sun Jul 10, 2011 12:13 pm
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its a long way off but when the time comes, i will need help with this too, the good thing is i know just where to come to get it :-)
kat

IVA accepted 6th May 2011, Full and Final accepted 17th April 2012.
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Til

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Post by Til » Sun Jul 10, 2011 1:34 pm
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Thank Jan yes I am well I hope you are too

And yes thank heavens for this forum and for all the poeple on here who help us figure things out! [:D]
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
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kallis3

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Post by kallis3 » Sun Jul 10, 2011 1:37 pm
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Glad you are ok, I'm fine.

I'd be lost without the forum - I am so pleased that I found it when I did1
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
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Jackieg

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Post by Jackieg » Sun Jul 10, 2011 2:35 pm
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Same here, I had no idea this site existed until a couple of days ago, my best accidental find yet. [:)]

It's been so helpful to talk with people who also have IVA's and know the pitfalls.

*wave*

jackie
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kallis3

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Post by kallis3 » Sun Jul 10, 2011 2:46 pm
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Are you on Facebook Jackie? A lot of us are and are friends on there - it's nice to see your forum friends and rest assured, we do not discuss debt!

If you are and you want to be friends with others, let me know, I'll email you and we can sort it out.
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
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Jackieg

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Post by Jackieg » Sun Jul 10, 2011 2:59 pm
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Hi Jan, yes please, that sounds fab - email me.

Jackie
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kallis3

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Post by kallis3 » Sun Jul 10, 2011 3:10 pm
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Leave it with me!
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
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kallis3

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Post by kallis3 » Sun Jul 10, 2011 3:21 pm
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Email sent Jackie - it's from a Hotmail account so check your spam email just in case!
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
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