www.iva.co.uk

Hi hope everybody is well and enjoying some well earned time off. i am hoping someone can give me some advice. we finished our IVA 31 July 2009 with a final settlement. the original IVa was not due to finish until May 2012. i understand the 6 year period, but my question is after checking my credit file they have continued to default us and still doing so. how can i still be defaulting when the creditors have agreed-ed to the settlement and i have a certificate of completion. any help or advice would be gratefully received.

Hi,

Write to those creditors that are still defaulting and send a copy of your completion letter and tell them to remove those defaults.

They should then put the date back to the start of the IVA and will then drop off after the six year period.