I started my IVA on 30/7/2012 and settled it IVA early in November 2016. I was under the impression that all my creditor defaults would be marked as 'satisfied', 'settled' etc. or simply disappear after 6-Years from the IVA start date, and by and large this has been the case. However, I checked 'Noddle' today and notice that one of my Creditors (Santander) is showing two accounts as still being in default, (both accounts were included in the IVA). It appears that they registered the first 'default' in October/November 2012 respectively, despite me not making repayments since Mid-July 2012. Interestingly, Santander were also the last of my creditors to stop hounding me after the IVA started, so this might explain why.
I am keen to restore my credit rating, ASAP as I want to attempt to re-mortgage, getting a better interest rate, using any saved amount per Month, to put towards a newer car, with mileage in the thousands, rather than north of 180,000. MOT is due December.
My questions are:
1). Should Santander have legally registered the first default in line with the start date of the IVA, ie: 30/7/12? I believe that all my other creditors must have done so, as I cannot see their accounts on my credit file any more;
2). If the answer to Q1 is 'yes', then is it worth me writing to Santander, enclosing my completion certificate, requesting that they update the 3 main credit reference agencies respectively, thus settling this matter in the next Month or so?;
3). If I do contact Santander, do I actually risk 'waking a sleeping monster', with them then starting to chase me all over again for the balance of the outstanding debt?; or
4). Should I just wait another 3-4 Months for the Santander debt to 'go away'. Only trouble with this option is that I am lumbered with my existing Mortgage for that much longer, being potentially £200-£300pcm worse off, than the best rate potentially available to me. ...Not to mention attempting putting the car through another MOT.
Thank you in anticipation for your advice.