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
Started a DMP sept '09
IVA since Dec '11
Completion Certificate Dec '16
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