re IVA finished creditors still after money

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tygercat52
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by tygercat52 » Tue Feb 27, 2018 3:29 am
hi my IVA finished in January 2017 and I have now received a letter from one of them asking for the remaining balance . I was under the impression that they cannot do this and all balances were written off per the terms of the IVA?
Also the company with whom my IVA was with have themselves gone bankrupt!!!!!!!!!! and the company which has taken over their accounts have limited information about my IVA .
I have my completion paperwork however I require a list of my original creditors and my original court agreement , also my insolvency number as well . Also according to the insolvency register my IVA is still current !!
How can i obtain this information ? If anybody has any suggestions i would be grateful
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kallis3
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by kallis3 » Tue Feb 27, 2018 9:06 am
It will remain on the register for up to 3 months after completion before dropping off.

All balances are written off and it could be an admin error or your debt was sold on. Send a copy of your completion letter to the creditor.

Also, check all 3 credit reference agencies and it should show you who your creditors were as they will stay on your record for six years.
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Foggy
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by Foggy » Tue Feb 27, 2018 9:20 am
You can get yourself off of the Insolvency Register by sending copies of the completion paperwork to the Insolvency Service --- it would seem this might have been overlooked in the transfer. The IS should be able to give you your reference number.

The completion paperwork should list all creditors.
IVAconfused75
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by IVAconfused75 » Tue Feb 27, 2018 11:15 am
kallis3 wrote:

Also, check all 3 credit reference agencies and it should show you who your creditors were as they will stay on your record for six years.

I keep seeing this on the forum. So, if your IVA ran for the full 6 years, should your details still be on the credit file? Or you mean 6 years after it finished? Or, it's on there from 6 years since it started+ 3 months to complete all the other formalities.
Hope this isn't confusing.
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kallis3
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by kallis3 » Tue Feb 27, 2018 11:39 am
For your credit reference, all defaults should drop off after six years from the start of your IVA.
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Foggy
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by Foggy » Tue Feb 27, 2018 12:16 pm
IVAconfused75 wrote:
kallis3 wrote:

Also, check all 3 credit reference agencies and it should show you who your creditors were as they will stay on your record for six years.

I keep seeing this on the forum. So, if your IVA ran for the full 6 years, should your details still be on the credit file? Or you mean 6 years after it finished? Or, it's on there from 6 years since it started+ 3 months to complete all the other formalities.
Hope this isn't confusing.



Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record

There are different "files" : You should come off the Insolvency Register three months after the completion certificate is issued. Defaukts and the IVA will remain on credit reference agency files for 6 years after the start date of the IVA, if dated correctly. Defaults will drop off at 6 years, the IVA will drop off after 6 years only if completed.
IVAconfused75
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by IVAconfused75 » Tue Feb 27, 2018 1:44 pm
Thanks for that collective info.
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