Posted: Sun Aug 04, 2013 11:27 am
Hi,
I took an IVA in Feb 2010. I paid each month until I did an early settlement this June from a third party donor.
When I checked my credit report in June, I saw that there was a CCJ against me dated May 2010, even though the IVA was running since Feb 2010! The creditor was part of the IVA, although they are saying the IVA company did not contact them until 2011 and they did not vote! The IVA company have sent me a thorough document detailing all the dates that they did contact the creditor throughout the period and before the first payment and voting.
I did not know about the IVA as I moved house in 2010 and did not get any communication from the court or creditor.
I have since got them to mark it as "settled" on my credit file, however, it should not even have happened and it is keeping my credit rating at "very poor" equifax says.
What can I do about this?
Thanks!
I took an IVA in Feb 2010. I paid each month until I did an early settlement this June from a third party donor.
When I checked my credit report in June, I saw that there was a CCJ against me dated May 2010, even though the IVA was running since Feb 2010! The creditor was part of the IVA, although they are saying the IVA company did not contact them until 2011 and they did not vote! The IVA company have sent me a thorough document detailing all the dates that they did contact the creditor throughout the period and before the first payment and voting.
I did not know about the IVA as I moved house in 2010 and did not get any communication from the court or creditor.
I have since got them to mark it as "settled" on my credit file, however, it should not even have happened and it is keeping my credit rating at "very poor" equifax says.
What can I do about this?
Thanks!