Wed Feb 05, 2020 8:48 pmFoggy wrote:
If the debt was pre-IVA then it should have been defaulted with a date on or before that IVA ... and they would have been included in the IVA. If it hasn't been formally defaulted it will remain on file, so you need to get them to record the default with the correct date and it will drop off on the 6th anniversary of that date --- does that make sense ?
Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
Thank you Foggy, but sorry i did not get what you meant.
The company that is in my credit file is not included in my iva, I just happened to see it now that i checked my credit file. Its a telecommunications company , apparently I opened in 2011, showing ai have balance of £15, marked red for (6 months or 6 years in arrears), can I still use the template you made and address this to the company’s data collector? Or should I call the company and pay this balance and ask if they can correct my file?
I really don’t know how to do this, and sorry i did not understand the explanation...