www.iva.co.uk

Hi, I completed my IVA in June 2015, with all Bar natwest and barclaycard marking my debts as settled. I have written to both companies and enclosed my completion certificate. I did this in October 2015. My question(s) is will the companies have to mark the debts as settled or as soon as the Iva drops off my credit file in March 2016 (72 months after its start)?

I'm repairing my credit rating through a well managed credit card, but having these last 3 debts still 'default' although they're not is still impacting a lot.

So, back to it, am I right to be pursuing them to mark the debt as settled or do I want for the 6 year mark for them to drop off?

If it is still impacting then chase them and get it resolved.

Under the circumstances there is no guarantee they would automatically drop off.

Hi Well done on completing your IVA!

There should be no pre IVA credit defaults marked after the start of your IVA so continue to chase them up to get it tidied.

If you leave it you might find it naturally resolves itself after the 6 year mark anyway.