If the account was included in the IVA (and hadn't been defaulted whilst under the DMP) then they have to issue a default against the account which should be dated the same date as the IVA start date. By doing so the account should then fall off your credit report.
Ryan wrote:The problem with DMPs is that unlike with an IVA the Creditors don't have to default you on the start date. Its worth contacting the creditor and telling them you need them to issue a default against the account and get them to date it as far back as possible so that the account will then fall off the credit report (as long as the default date is over 6 years ago).
I've already spoken to them and they have refused, the debt was included in a DMP from feb 2010 and was cleared in July 2012, but they have only recorded the debt as settled in June 2014, nearly 2 years later, i don't understand why they won't mark the account as settled when it was cleared in 2012, there reason is that I never asked them to closed the account, the account then lay dormant until June 2014 when they then marked the account as settled.
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