4 creditors are refusing to say that my outstanding debt is settled on Experian

Get expert opinion. This is the place for new questions to be posted.
3 posts Page 1 of 1
Post Reply
 
 

gavboy

User avatar
Posts: 20
Joined: Mon Nov 21, 2011 1:38 am
Location:
Post by gavboy » Mon Jun 16, 2014 1:38 pm
Quote
Hi I have successfully completed my IVA and on trying to sort out my Experian credit report four companies are refusing to say that my outstanding to debt with them is settled. They were all included in my IVA and I do not know why they are doing this they have seen my completion letter from step change but no dice.
What do I do about this I thought an IVA was legally binding and they agreed to me being in it in the first place.
Thanks for any advice I have a lot of chasing up to do today.
Top
 
 

Shining

User avatar
Posts: 27019
Joined: Thu Sep 20, 2007 8:57 am
Location:
Post by Shining » Mon Jun 16, 2014 2:28 pm
Quote
I assume you have written to each creditor with a copy of the completion certificate. Has it been 6 years since date of acceptance of the IVA?
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Top
 
 

Foggy

User avatar
Posts: 33395
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
Post by Foggy » Mon Jun 16, 2014 4:08 pm
Quote
Hi. How they describe your account is largely immaterial. The important thing that they MUST do, is date the defaults on or before the date your IVA commenced. This way they will all drop off your record ( however they are described) totally when the IVA drops off.

Info and template letter here:

http://pjgrecovery.com/clean-up-credit-rating.asp
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Top
Post Reply
3 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”