Search found 7 matches

Search found 7 matches Page 1 of 1
by claire824
Wed Jan 09, 2019 7:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should an account still show as a default after IVA completion?
Replies: 14
Views: 2310
Many thanks for everyone's responses - really appreciate the thoughts and input. It's a minefield!
by claire824
Wed Jan 09, 2019 3:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should an account still show as a default after IVA completion?
Replies: 14
Views: 2310
Thanks, that helps clarify a bit. I understand about the issue being more with the IVA not clearing for six years anyway, but just want to do what we can do in case we can find a lender who can help us sooner! I suppose there's no point in settling with this creditor at this stage is there? I know t...
by claire824
Wed Jan 09, 2019 12:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should an account still show as a default after IVA completion?
Replies: 14
Views: 2310
Thanks everyone. We will check with the creditor again to see if they will do this. At the minute, they're just telling us it's their prerogative to mark it as defaulted for each month, but this doesn't make sense to us.
by claire824
Tue Jan 08, 2019 7:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should an account still show as a default after IVA completion?
Replies: 14
Views: 2310
Thanks all - so basically, we just need to sit tight and wait for the defaults to be wiped after six years? Our IVA is already marked as completed and we have been removed from the insolvency register and all. Ryan - when you say the date of default will have to be updated at some point, do you just...
by claire824
Tue Jan 08, 2019 3:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should an account still show as a default after IVA completion?
Replies: 14
Views: 2310
Thanks Ryan - that's my concern, that this continued default status will end up damaging our chances of getting back on the ladder. Would you advise pursuing this with the creditor, or just adding a notice of correction ourselves, so any possible lenders in the future are aware of the facts before d...
by claire824
Tue Jan 08, 2019 3:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should an account still show as a default after IVA completion?
Replies: 14
Views: 2310
Hi – many thanks for coming back to me. We are not planning to apply for a mortgage again any time soon, but just wanted to check how the market would view us. We have good affordability and all other credit history is in good order, bar our IVA settlement and this one creditor’s continued default r...
by claire824
Tue Jan 08, 2019 2:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should an account still show as a default after IVA completion?
Replies: 14
Views: 2310
Hi there – my husband and I had our IVA proposal accepted in February 2017 and received our certificate of completion in April 2017. My husband had a credit card in his name as part of the proposal. On his credit file with all three main agencies, this debt is marked as default from March 2017 onwar...
Search found 7 matches Page 1 of 1