I have just received my completion certificate for my IVA (22/01/18). I am now looking at my credit report to determine what I need to clean up.
I note that my IVA is shown as completed.
Two of the debts included in my IVA have been changed to show £0 as the balance and Settled as the status.
The three remaining debts are posing a question for me. They are shown under 'open accounts'. One is with Halifax, and it still shows the balance (not zero) and the status is Default.
The other two debts were credit cards and have been sold on to debt collection agencies (Arrow and Pra Group). They both show as Default and the full amounts are listed as the balance.
So, a couple of questions:
1) should these debts be changed to £0 and status changed to settled?
2) If so, I can contact Halifax but do I contact the original lender or the debt collection agency for the remaining two?
3) Is it true that my name will stay on the insolvency register for 3 months after the completion certificate was issued?
Thanks in advance for any help.
FYI: My IVA (CreditFix) started in July 2017, it was settled in November 2018 by F&F. Certificate issued 22 Jan 2019.