Just a quick question my IVA finished in 2016 CRA not showing any old debts but I applied for a Marks Spencer credit card who were a creditor in my IVA and HSBC underwrite their cards only to be told I still have a card with them.i guess these companies keep internal records of former customers who defaulted. My IVA started in 2008.
I believe they are allowed to retain internal records for as long as there is a business need.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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