I am now out of my IVA which I settled F&F in 2008. Indeed, the 6 years has no past and it is no longer on my credit file. Great!! However, I notice that two defaults which were included in my original IVA paperwork still show on my credit file as defaults. My IVA was registered on 1/9/2004 and included the aforementioned defaults. However, on my credit file it states they defaulted on 1/1/2005. How can this be if they were included in my IVA. Should the date for those defaults not be 1/9/2004 like all the rest of my creditors, originally on the IVA registration.
Yes they should be - write to the creditors and ask them to remove them to the correct date - send them a copy of your completion certificate / chairmans report as evidence !
Well done and enjoy your debt free life !
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Check with all three credit reference agencies to see what they record against you. It will cost you £2 a time.
Once you have done that, if any are showing as default after the date of initial acceptance then send copies of your completion letter to anyone who has defaulted since then.
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
