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Posted: Wed Mar 11, 2015 9:12 pm
by dom282
I started my IVA in May 2007 and received my completion certificate in November 2011. Now as far as my understanding is that this IVA should of came off my Credit Reports in May 2013. It is still showing up as not completed. Any help would be appreciated in how to get it removed.
Posted: Wed Mar 11, 2015 9:34 pm
by Foggy
It would appear that they have never been sent a copy of the completion certificate. Send them a copy now and it should be removed. Be wise to check the Insolvency Register too, just to make sure you have been removed from that.
Posted: Thu Mar 12, 2015 7:20 am
by dom282
Any ideas how to go about that please?
Posted: Thu Mar 12, 2015 7:43 am
by Foggy
General background here:
http://pjgrecovery.com/clean-up-credit-rating.asp
Each CRA has an enquiry facility on their websites, as well as contact details.
Posted: Thu Mar 12, 2015 9:53 am
by Adam Davies
Hi
Important to check that you are off the Insolvency Register first, then inform credit reference agencies of your completion certificate
Make sure they do not list a notice of correction about your IVA as this will stay on file until you request that it is taken off
Regards
Posted: Thu Mar 12, 2015 10:12 am
by Lisa Thomas
Hi Dom 282
Here is a link to the Insolvency Register so you can check whether it's been updated:
https://www.insolvencydirect.bis.gov.uk/eiir/
Posted: Thu Mar 12, 2015 2:46 pm
by dom282
It's still listed on the Insolvency Register. How do I go about getting it taken off please? Also I have emailed Experian a copy of the certificate. What do I need to ask them to get this removed off my Experian please?
Posted: Thu Mar 12, 2015 4:57 pm
by Foggy
The Insolvency Register site has a contact us link -- use that to tell them that the IVA is completed and that you have the certificate. They will respond by email and you can then use that contact to scan across a copy of the certificate.
All you need do with the CRA's is tell them it is complete and they should mark it so ( after seeing a copy of the certificate ). It should then drop off, being past the 6th anniversary.
Posted: Thu Mar 12, 2015 8:35 pm
by Adam Davies
Hi
Your IP should have informed the Insolvency Register that your IVA has been concluded
Regards
Posted: Tue Mar 17, 2015 10:00 am
by Lisa Thomas
HI Dom according to the website you can ring the Insolvency Enquiry line on 0300 678 0015 about register queries.
Posted: Tue Mar 17, 2015 5:06 pm
by Rich
If the iva is still showing with experian make sure you also send copies of your completion certificate to call credit and equifax as I would expect it still to be showing with them also
Best wishes Rich