Missed payments shown on my credit report during IVA

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headbanger

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Post by headbanger » Fri Aug 30, 2019 3:36 pm
Hi
First post in yonks.
I completed my IVA in Nov 2016.
I’ve just been looking at my credit report analysis on TotallyMoney.com because I thought my credit score would have been better than what it is. The analysis shows that in my last 6 years I have 28 missed payments against three accounts.
I started my Iva in November 2011. These missed payments are debts sold to PRA Group UK and were all settled when my IVA was completed and monies dished out.
Am I correct in saying these shouldn’t be shown as missed payments because they were included in my IVA
Cheers
Headbanger
Started a DMP sept '09
IVA since Dec '11
Completion Certificate Dec '16

Foggy

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Post by Foggy » Fri Aug 30, 2019 3:42 pm
When did you start the IVA ? Defaults will still show for six years from the date of default, which should be the same date as the IVA started.
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

headbanger

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Location: United Kingdom

Post by headbanger » Fri Aug 30, 2019 3:45 pm
Hi Foggy
I started IVA December 2011 and completed end Nov 2016
Started a DMP sept '09
IVA since Dec '11
Completion Certificate Dec '16

Foggy

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Post by Foggy » Fri Aug 30, 2019 4:13 pm
Those accounts should have all gone, lock, stock and barrel, by now --- sounds like they were not actually defaulted as they should have been. Have a look here and use the template to get the creditor to default with the December 2011 date, so they drop off. https://www.iva.co.uk/what-does-an-iva- ... dit-record
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

headbanger

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Posts: 175
Joined: Wed Jul 08, 2009 10:34 pm
Location: United Kingdom

Post by headbanger » Fri Aug 30, 2019 5:59 pm
Cheers mate. Much appreciated
Started a DMP sept '09
IVA since Dec '11
Completion Certificate Dec '16
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