Defaults from my IVA company.

[casey]

Hey,

I paid an early settlement figure which was accepted on my IVA in December.

It should, be cleared in Feb 2023 from my credit file

I have however noticed that on my credit score, I have 8 defaults from creditors. All of which where dated from when Mccambridge Duffy took over my debts.

I had never defaulted on any payments prior to going into an IVA.

My question is, is there a possibility to get these removed from my credit score as defaults? As I wasn't the one that defaulted on the payments, and the IVA company had taken control of the accounts by this point.

Or will I just be told that I will have to wait for the 6 year mark for them to drop of my credit score?

Thanks in advance

Casey

[Foggy]

McCD did not 'take over' control of the debts -- they merely supervised the arrangement. The debts remained yours and you failed to make the contractual payments and entered into an insolvency solution --- this caused the debts to go into default and the defaults were correctly registered as the date of the start of the IVA. They will remain on file for 6 years. This is standard in all IVAs with all providers.