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Steeddie

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Post by Steeddie » Fri Jan 11, 2019 12:25 pm
Hello all,
I know it’s probably been asked million times but I hope you can help.
I asked freeman jones but the person I spoke to was as much use as a choc teapot.

The six year was sept 2018 Iva started in sept 2012. Last payment was March 2018
I got the compleation cert nov 2018

Looking at my credit report the creditors have removed the accounts off the report but I’ve got a creditor creation finance who have just marked it settled and there doesn’t look like they marked it as default.
I need to try and clear this soon as I need to look at moving house so will need to change mortgage.

Any advice greatly appreciated
Completed 01 Nov 18

kallis3

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Post by kallis3 » Fri Jan 11, 2019 12:36 pm
Write to the Data Controller for Creation and ask them to remove the entry. I take you are off the Insolvency Register?
http://kallis3.blogs.iva.co.uk/
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.

Foggy

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Post by Foggy » Fri Jan 11, 2019 12:42 pm
Read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record

There is a template to get the entry defaulted at the correct date, it should then drop off at the 6th anniversary.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/

SteveUK

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Post by SteveUK » Fri Jan 11, 2019 1:05 pm
Creation have done the same to me. So far I have submitted complaints to the ICO about:

Creation
Advantage Finance
Barclaycard

Now we play the waiting game

Ryan

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Post by Ryan » Fri Jan 11, 2019 1:18 pm
As has been said speak to Creations Data Controller and ask them to default the account on the same day as the IVA started. By doing so as you are over 6 years from the IVA start date the account will immediately fall off the credit reports and as you are now over 6 years from the start date there are some High Street Lenders who would be willing to lend.

Regards
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

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Contact me at http://www.ivamortgageexpert.co.uk or via the expert page

SteveUK

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Post by SteveUK » Fri Jan 11, 2019 1:53 pm
SteveUK wrote:
Creation have done the same to me. So far I have submitted complaints to the ICO about:

Creation
Advantage Finance
Barclaycard

Now we play the waiting game
Ooops I forgot

Nationwide Building society

Lisa Thomas

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Post by Lisa Thomas » Fri Jan 11, 2019 3:30 pm
You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
Noddle, Clearscore and Totally Money are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
https://www.totallymoney.com/
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk

Steeddie

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Post by Steeddie » Fri Jan 11, 2019 7:52 pm
kallis3 wrote:
Write to the Data Controller for Creation and ask them to remove the entry. I take you are off the Insolvency Register?
Hi,
No still seem to be on the register till 8th Feb that will be 3 months since notification.
Completed 01 Nov 18

kallis3

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Post by kallis3 » Fri Jan 11, 2019 10:18 pm
Should be off soon.
http://kallis3.blogs.iva.co.uk/
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
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