IVA settled - credit report issues

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Keepingmyheadabovewater

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Post by Keepingmyheadabovewater » Tue Jun 22, 2010 10:17 pm
skippy when my iva got accepted it was on my credit right away the same day as the crediters meeting
JOHN
 
 

Skippy

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Post by Skippy » Tue Jun 22, 2010 10:27 pm
I may well have been, but they can still default you, even though they shouldn't.
 
 

Keepingmyheadabovewater

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Post by Keepingmyheadabovewater » Tue Jun 22, 2010 10:30 pm
skiipy all i have is 4 defaults not bad for saying i had neary 30k of debt
JOHN
 
 

kallis3

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Post by kallis3 » Tue Jun 22, 2010 10:31 pm
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.
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Keepingmyheadabovewater

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Post by Keepingmyheadabovewater » Tue Jun 22, 2010 10:35 pm
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
JOHN
 
 

Skippy

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Post by Skippy » Tue Jun 22, 2010 10:36 pm
There's nothing an IP can do about this, and it's not worth doing anything until your IVA / BR is finished as they'll probably default you again.
 
 

Keepingmyheadabovewater

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Post by Keepingmyheadabovewater » Tue Jun 22, 2010 10:42 pm
i have never had any problems from my crediters defaulting me every month
my main crediter is max recovery and then lloyds tsb and thats it
JOHN
 
 

kallis3

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Post by kallis3 » Tue Jun 22, 2010 10:44 pm
Until my IVA is finished, I'm really not worried.
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.
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Skippy

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Post by Skippy » Tue Jun 22, 2010 10:46 pm
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.
 
 

dangermouse

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Post by dangermouse » Fri Sep 17, 2010 6:41 pm
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.

https://www.callcreditcheck.com/frequen ... estions#13

Anybody out there who can clarify?
 
 

kallis3

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Post by kallis3 » Fri Sep 17, 2010 6:51 pm
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
 
 

TheMatrix

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Post by TheMatrix » Fri Sep 17, 2010 8:21 pm
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.
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Broke of London

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Post by Broke of London » Sat Sep 18, 2010 7:48 am
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.
 
 

kallis3

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Post by kallis3 » Sat Sep 18, 2010 8:28 am
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
 
 

TheMatrix

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Post by TheMatrix » Sat Sep 18, 2010 9:32 am
Yes creditors can and do get away with it. However, they are not above the law if you know your rights to have incorrect data amended.

Personally, I'd rather sort it out myself than pay someone else to do something I can do myself. I learnt that lesson before.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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