Hi all again, how you all doing? To be honest I didn't expect to post a question again, though I've occasionally lurked and read help and info that you good folks post.
But I need some advice, and I have scoured the forum and read a lot of replies but they don't all cover fully what I think I need to know.
We started our IVA Dec 2010, finished in Dec 2015 and received our Completion Certificate almost immediately. After a month I checked the Insolvency Register, and we'd disappeared
I checked with Noddle and later Equifax and both show that one Creditor has us as Default.
Express Gifts, shows the letter D in every single month since the start of the IVA though they have the first date of Default as January 2011. So its a month later than it should be.
I wrote to them a few months ago with a slightly altered version of the letter on here, saying please change saying settled, and sent them a copy of the completion certificate. Nothing has happened.
In Dec this year it will be 6 years since the IVA started, and since the first D on their record. If I do nothing will it automatically change or disappear come December/January or will they continue to keep putting a 'D' in each month.
We don't have anything on credit at all, except Mortgage of course, and for some reason Water Rates is classed as debt. But everything says its OK. Our credit score hasn't changed a single digit since I first checked it in Jan/Feb this year.
I'd like to try and get it up a bit, though we have no intention of ever getting credit again, but I understand the reasons why it would be a good idea.
So, hoping that I've explained this properly, what do I do?
Do I write again to Express with full letter and say change the default date, and can you mark it as satisfied as the IVA is complete.
Or do I leave it till January and see what happens?
Also if you pay the £2 for a report from Equifax, is it only that report, do I have to pay every single time?