They do seem to work in strange way's! I waited until 3 months (after the 6 year period) then sent letters (as advised here on the forum, with copies of completion) to Experian, Equifax & Call Credit. Equifax removed it, Experian took another letter before they removed it, but it's Call Credit who l...

Sorry - should have made it clear .. its 11 months after the 6 year IVA period..
(6yrs 11 months since the IVA commenced)
Thanks
Mike

Notice of correction? My IVA was completed 11 months ago. As advised here on the forum, I sent copies of the completion certificate with letter. to the main credit ref agencys, whilst it has taken Experian a long to remove it from the file the others did so straight away ... or so I thought! Recentl...

Many thanks Melanie, the debt is correctly listed on the IVA, but as Alliance & Leicester (which it was at the time) who were taken over by Santander during our IVA, will forward the letters on to the IP. Have noticed other posts with ''Santander'' issues - so yes most irritating they are ! Thanks a...

We thought it was over !? Our joint IVA was completed September this year after 5 plus tough years and we duly received our completion certificates thinking that was it. We have now received letters & loan account details from Santander stating we are still in arrears. A payment is shown as having b...

We were with Debtmaters originaly, they set the IVA up, and were great, but sadly ceased IVA work and passed the IVA managment on. In our case to Payplan. We found them very difficult to deal with, mainly I think because we seemed to only go a few months then a new CO took over, I have lost count of...

Thanks Melanie They refused to see me once before saying there was no need! Also as I have now learned - get everthing in writing! So many things in the early days were done on the phone & denied ! I am now into year 5 and would like to ensure closure at the end of it. **** By the way wish I had fou...

Thanks Pandy No, no change in income for almost 2 years, although I had a 10% pay cut for 6 months off it ! For previous reviews have always listed houshold costs in total then split 50/50 - never been an issue until review last year (yr4) I just think they are trying to extract as much as possible ...

Thanks Lem, The overall payment has gone up in total- which is subject to another dispute! Like you I understood once the costs had been deducted the balance was the repayment. However they have reduced my wifes payment which now leaves her a positive surplus. Have also just thought, in year 2 & 3 I...

Thanks Andy,
Would you know if there are any rules or procedures for the way the level of repayments are calculated?
There seem to be lots of rules or allowances for expenses, but once they are deducted from the income, how is it decided what should be repaid from the balance?
Many thanks

Hi, I am new to this forum so not sure if I should put this as a new topic. Regarding getting up to date debt statements - I had this problem with Debtmatters - I gave them all the current statements, details etc in person during the IVA application - they said it was going to be about a month in pr...

Thanks Kazza & Mel. I have a better chance of a meeting with Santa Claus than my IP! it has taken almost a year to get to this point! They also inflated the gross amount of my IVA by over 40k ! - that took 2 years to sort out! I was looking for some independant advice before going and knocking on th...

My wife & I each have an IVA, a small propotion being for joint debts(which was the only reason my wife had to be involved) originaly we both paid the same amount every month. Following a review last year (the new IP company) increased my payments from £800 to over £1300 and reduced my wifes payme...