Creditors still on credit file

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emmet

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Post by emmet » Sat Sep 05, 2020 10:42 am
Myself and my wife have completed 6 years of an IVA and received our completion certificate on the 20th July. There are still two creditors showing on our credit history which were included in our IVA which is having a negative effect. We are looking to move home but scared to apply for a mortgage in case we get turned down.

Foggy

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Post by Foggy » Sat Sep 05, 2020 11:07 am
Have a read here -- you might need to get the default date amended, or, indeed, get them to default the account : https://www.iva.co.uk/what-does-an-iva- ... dit-record
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

emmet

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Post by emmet » Sat Sep 05, 2020 11:34 am
Thank you for the reply, yes the default dates are incorrect, one is 15th April 2015 showing £8111 and the other 5th January 2020 Showing £0. Our IVA was approved on 16th July 2014.

kallis3

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Post by kallis3 » Sat Sep 05, 2020 12:26 pm
Write to the data controller for the companies concerned enclosing a copy of your completion certificate and ask them to amend their records.
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.
http://kallis3.blogs.iva.co.uk

emmet

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Post by emmet » Sat Sep 05, 2020 1:00 pm
Where can I find contact information for the data controller associated with Nationwide Building Society and Creation Personal Finance Ltd? Thanks

Foggy

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Post by Foggy » Sat Sep 05, 2020 1:38 pm
Nationwide Building Society :
Data controller:
NATIONWIDE BUILDING SOCIETY
Address:
NATIONWIDE HOUSE
PIPERS WAY
SWINDON
SN38 1NW

Creation Personal Finance Ltd:
Data controller:
Creation Financial Services Limited
Address:
Chadwick House
Blenheim Court
Solihull
West Midlands
B91 2AA
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

emmet

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Post by emmet » Sat Sep 05, 2020 3:13 pm
Thank you Foggy
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