I apologise for all the questions but im so confused right now.
I have completed my IVA with a full and final.
I am now at a point where i am looking to get my completion certificate and get my defaults at the right date.
Tesco mobile was one of my creditors who refuse to backdate my default to when the Iva started. Its constant phone calls with me even sending them a letter with the relevant acts and laws but they refuse and say they have it correct. I have a letter below. This is ridiculous. I have other creditors to chase aswell but have started with tesco who are proving very difficult. They state they have recorded it right and dont want to change it. I have contacted experian aswell who referred me to the creditor to change the default date. How can i go about this. It is very frustrating. I have also sent out letters to my other creditors and awaiting a response as most have recorded it wrong. I just need advice on how to go about this. It would be great if anybody can assist me. I just need all the defaults to be the same as i dont want it lingering over me later.
The letter i sent tesco mobile is below. The date of the iva and defaults are also shown
I started an Individual Voluntary Arrangement (IVA) on 13/03/2018. You can confirm this by checking the Insolvency Register at https://www.insolvencydirect.bis.gov.uk/eiir/
I am writing to ask you to correct my credit file for Tesco Mobile: £3740 & Tesco Mobile : £761. This debt is included in my IVA.
At the moment the default date is shown as 20/03/2018. This is incorrect and a breach of the Information Commissioner’s Office guidelines and the Data Protection Act 1998. There should be a default date not later than the start date of my IVA.
Please correct this entry within 28 days or supply me with a written reason why you will not do so.
If you have any questions, please do not hesitate to give me a call.
They stated they will send a letter stating that they will not change the default date. This has to be incorrect. I just need assistance.
Thanks all and apologise about the long message.