One of my creditors has defaulted me every month since acceptance.
Once I have completed I will be writing to them to get the defaults removed.
The CRAs won't do it, it has to be the creditors concerned.
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
jan how come they do that. can you speak to you ip about this have you ordered a paper credit report from experain costing £2.00 might be worth letting them know if this was me jan i would be on the case of it
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
I don't blame you Jan. When I was discharged I sorted out most of my credit files, but I lost interest as it'll all be on my file for another 3 years anyway.
Callcredit website states in FAQs that you can ask them to remove an insolvency before 6 years are expired by sending them a certificate of completion, there is a separate question stating that you can also get it marked as satisfied.
Does anybody know whether this is a mistake or it is something that can be done?
It is question 3 of the section under County Court Judgements and Insolvencies.
An IVA or BR will remain on your record for 6 years from the date of agreement, regardless of when it is settled.
Even if Callcredit remove it, there is still Experian and Equifax to get through.
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
Once your IVA is agreed, the IVA will stay on your credit file for 6 years from the agreement date. It cannot be removed any earlier, even if you pay it off sooner.
A Certificate of Annulment is not the same as a Certificate of Due Completion issued at the end of the IVA.
You can send your Certificate of Due Completion to the CRA's to have the IVA marked as satisfactorily completed.
Last edited by TheMatrix on Fri Sep 17, 2010 8:23 pm, edited 1 time in total.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
Individually we can all correct our credit ratings on completion of our ivas, br etc but this is a systemic problem. Creditors are getting away with breach of contract. It may not be written into the proposal but it forms part of the framework of obligations and understandings in which the proposal was drawn up. Sorry for the rant but I think the creditors can get away with murder on a number of points.
They possibly do, but I'm quite happy to sort my own out at the end if needs be - that way I can be sure it's ok.
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
