clearing up files

[orchid5]

Hi all, hope everyone is well, the weather is now changing sadly so autumn is upon us.

I joined noddle yesterday and there were two defaults on my file, one of which i recognised but the other i didn't and on checking my agreement with DFD couldn't find this reference number! However the debt is reducing so they are getting monies from somewhere!

I then did a little bit of digging and found that it was a debt company who buy in debts, could this then be the reason why the reference number for the credit card is different? I'm assuming that it is a credit card i had with HBOS as they seem to deal with them alot.

I must admit i did have a little bit of a panic thinking omg have i forgotten a credit card etc but then sanity prevailed and the realism of the fact that 1)I've never had a letter from whomever stating i owe them money, 2)The debt is actually reducing year on year.

Phew panic over and i look forward to getting my CC so that i get those two defaults removed or hopefully they will just fall off once my IVA is marked completed.

My score at the moment is just over 600 so not so good.

[MRBLUESKY]

Owdo Orchid,all your creditors included in your IVA will Defo drop off after 6 years,assuming your IVA is complete.Check your chairmans report,this will show all your creditors and account numbers covered by your IVA.

[Niobe]

If it's been sold on though it may well be different - some of mine bear no resemblance to the original account number.

As far as I can remember as well, your Chairmans report will only show details of creditors who voted at the meeting.

[orchid5]

Thanks Niobe/Mrbluesky, the fact the debt is reducing and i'm certainly not making any payments is of some relief to be honest, having thought about it now there are only two defaults on my credit file which really when you think about it there could've been more as i had 9 creditors and once that IVA is marked as completed they will fall off as the dates are the same as my IVA date, phew. x