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 ??????
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!
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
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