Removing defaults from credit files after an IVA.

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Kaz12
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by Kaz12 » Wed Jun 28, 2017 11:20 pm
So I have finished my IVA and it has now come off my credit file. After accessing my credit file reports. I have noted that there are 2 x defaults on there for accounts that were in the IVA. Also one account showing arrears which was also in the IVA. I have emailed all creditors concerned and have not yet received a response from them. I am hoping to move and get a bigger mortgage and cannot do this with these showing on my file. Does anybody have experience of this and did the creditors act quickly.
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Foggy
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by Foggy » Thu Jun 29, 2017 6:44 am
Hi -- has the 6th year anniversary passed and were the defaults dated correctly ?

Have a read here:

https://www.iva.co.uk/what-does-an-iva- ... dit-record

Also have a look at my latest blog entries (link in my signature below). Mine went smoothly, right on the eve of the 6th anniversary dates and Call Credit actually did it a little early !
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Ryan
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by Ryan » Thu Jun 29, 2017 7:16 am
Hi Kaz,

Some of our Clients have found that by contacting the Creditors via Social Media they get a quicker response - apparently it's the best way to complain these days as Companies hate other people seeing how inept they are!
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Lisa Thomas
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by Lisa Thomas » Thu Jun 29, 2017 9:41 am
write to the data controller and insist that the defaults are backdated to the start of the IVA. They should then drop off if/when the 6 year anniversary passes, if it hasn't already.
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Kaz12
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by Kaz12 » Thu Jun 29, 2017 11:08 am
Thank you for your comments. 2 of my defaults are dated after the IVA commenced which is now no longer on my record. One of my accounts is just stating in arrears since 2010. I have emailed the companies and sent a message to Equifax regarding this.
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Shaun Vickery
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by Shaun Vickery » Thu Jun 29, 2017 1:47 pm
I agree with Lisa, write to their Data Control Officer. You can find their details here https://ico.org.uk/about-the-ico/what-w ... ntrollers/
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Shaun Vickery
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by Shaun Vickery » Thu Jun 29, 2017 1:48 pm
I'd be tempted to post on social media too as Ryan suggests, except that this means putting the information out in the public domain which you might not want to do.
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Ryan
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by Ryan » Thu Jun 29, 2017 2:09 pm
Obviously you don't have to say 'I've got a default.....' you would merely say that you aren't happy with their service or lack of and want to make a complaint.
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luluj
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by luluj » Thu Jun 29, 2017 4:24 pm
Or email them daily until it is sorted !
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Kaz12
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by Kaz12 » Thu Jun 29, 2017 10:48 pm
Thanks for all your advice. I plan to email them daily. I contacted one of them by phone today so I will just keep harassing them until they sort it out.
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