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Posted: Sun Jul 10, 2011 7:33 am
by Til
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
Posted: Sun Jul 10, 2011 7:41 am
by kallis3
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.
Posted: Sun Jul 10, 2011 7:50 am
by Til
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
Posted: Sun Jul 10, 2011 8:52 am
by kallis3
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.
Posted: Sun Jul 10, 2011 11:28 am
by Shining
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
Posted: Sun Jul 10, 2011 12:13 pm
by kat68
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
Posted: Sun Jul 10, 2011 1:34 pm
by Til
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]
Posted: Sun Jul 10, 2011 1:37 pm
by kallis3
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
Posted: Sun Jul 10, 2011 2:35 pm
by Jackieg
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
Posted: Sun Jul 10, 2011 2:46 pm
by kallis3
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.
Posted: Sun Jul 10, 2011 2:59 pm
by Jackieg
Hi Jan, yes please, that sounds fab - email me.
Jackie
Posted: Sun Jul 10, 2011 3:10 pm
by kallis3
Leave it with me!
Posted: Sun Jul 10, 2011 3:21 pm
by kallis3
Email sent Jackie - it's from a Hotmail account so check your spam email just in case!