My IVA began in Sep 13 and was completed last year. On tidying my credit reports I found one creditor Virgin Mobile had defaulted the account in December 14 a year and a-bit after the IVA began after much chasing through Equifax they marked it has settled in December last year but it still appears on my report with Equifax only. My question is should it be removed six years from original default so December 14 or six years from when it was marked settled December 20? I’ve tried multiple time to speak to Virgin myself but have never spoke to anyone who can help and I’m now worried it will be another five years to get rid off which would be frustrating as everything else including my IVA no longer appears on any of my reports. Thanks in advance
As well as marking it settled they should have amended the default date to the start date of the IVA. It will drop off 6 years from the initial date of default --- so, in this case, albeit later than it should have done, it will shortly drop off anyway.
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