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Lee.gh

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Post by Lee.gh » Tue Jan 15, 2013 11:27 am
thanks to everyone that was commenting last week it really helped, I have looked through the 3 CR's and on the one I have found in the NOC section it says " IVA dated ..... was removed from the insolvency service records on ...., now i am guessing it this that has lead to me being refused a debit card ??????
 
 

Niobe

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Post by Niobe » Tue Jan 15, 2013 11:39 am
It may be - is your six years up yet?
 
 

Shining

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Post by Shining » Tue Jan 15, 2013 12:31 pm
Glad you've found something and the forum helped. I don't know much about cleaning up Credit references but do know lots of our posters do and will be along very soon with some excellent advice. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Foggy

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Post by Foggy » Tue Jan 15, 2013 2:46 pm
You could well be right Lee, write to the CRA and demand that the Notice of Correction is removed.
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
 
 

lem

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Post by lem » Tue Jan 15, 2013 2:50 pm
So how long will that stay on the NOC part of your credit file then? is this something that will drop off after 6 years or is it just applied to the NOC part and stays on there indefinitely which would be very unfair!
 
 

Foggy

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Post by Foggy » Tue Jan 15, 2013 2:56 pm
The NOC is put on in a vain attempt to be helpful, by indicating that the IVA still showing on the file is no longer open. Good idea is (IF) they remoived that on or before the day the IVA actually disappears.

If they are not asked to remove it, it will stay there indefinitely.
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
 
 

Shining

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Post by Shining » Tue Jan 15, 2013 3:23 pm
Very interesting that Foggy I really do need to bring myself up to speed with all of this...
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

TheArtist

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Post by TheArtist » Tue Jan 15, 2013 3:59 pm
iem, on the 6th anniversary of the IVA, or maximum of 28 days after, all detrimental entries MUST be removed. This is law. Foggy is correct insofar as any Notice of Correction is designed to help the client following a dispute. It usually does but sometimes Lee they (NoCs) find themselves elsewhere. Do as Foggy says and demand they remove it within 28 days. I am getting experienced in CRAs, being in the process of clearing my own. But some of the things they get up to would make your hair stand on end.
Last edited by TheArtist on Tue Jan 15, 2013 4:03 pm, edited 1 time in total.
Completed IVA - August 2012 pheeeeeeeeeew
Only my opinion - Nothing More Nothing Less
 
 

orange

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Post by orange » Tue Jan 15, 2013 4:05 pm
credit reference agency are a pain !! and a fortune !
completed july 2011
 
 

Tina Shortland

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Post by Tina Shortland » Tue Jan 15, 2013 4:14 pm
Hi Lee let us know how you get on with geting it removed as I am sure many other posters will be faced with the same issue. Hope you get it sorted soon.
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com

If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
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