Thanks for replies - I have an interest only mortage which I took out before I went into an IVA - never missed a payment - it has about 5 years to go - so my question was do I stick with it for another year and a half until the IVA comes off my credit record in January 2013 (My F & F was in July 200...

My query is similiar to this - my IVA 6 years on credit file will be up in January 2013 - I did a F & F in 2009. Is it better to wait until then when the IVA comes off my credit file in order to get a new mortgage/remortage as I want to move house soon or will it make no difference to the mortage le...

I have written to the two creditors who continue to show me in default and still OWING money with details of my IVA completion certificate - the other creditors show me in default and settled. I gave the two creditors 28 days or I would complain to the Info Commissioner - all I have had back is a le...

Dougie - you are in the same position I was in - I have two creditors who did not change their records while I was in an IVA and it looked like I was defaulting every month. Then I settled my IVA last year in a F&F and they still keep saying I am defaulting. I know my IVA wont come off my credit rec...

BanPhu How have you got on with your credit file cleanups - I am in the same timeframe as you - entered IVA Jan 2007 and finished IVA with F&F settlement in June 2009. I recently got my credit reports from the the 3 main agencies and found 2 creditors were continuing to report that I was in default ...

I am having problems with creditors over a year after finishing my IVA with a full and final settlement in June 2009 - my IVA wont come off my credit record until January 2013 but the problem is that two creditors have put on my record that I am continually defaulting and not paying back the loans t...

Thanks Kallis3 for your reply - yes they have been defaulting me since the IVA started and even when it was settled. I seem to remember a prototype letter on this forum to send to such creditors to make sure they did something about it. When I have phoned these creditors and said that they were incl...

My IVA started in January 2007 and finished in June 2009 (settlement with help of a relative) so I have still got over 2 years to go before the IVA comes off my credit record. Having got copies of my credit record from the 3 main credit companies I have found that two creditors who were included in ...