Thanks for that Foggy, very useful link! As my default dates prior to my IVA and the settlement was added once I completed my IVA, I can assume they must remove it now from my records. I did read on the Equifax website that credit agreements stay on your file as follows: 'Six years from the date the...

Hi, I completed my IVA successfully in August 2011 & my completion certificate came through in December 2011. So I began the Credit Report clean up process. I had to write to quite a number of creditors asking them to update records etc so it was all correctly recorded and would be removed 6 years f...

I have the same problem with Equifax. Under Notice of Correction it states the following: 'IVA DATED 15/08/2006 WAS REMOVED FROM THE INSOLVENCY SERVICE RECORDS ON 12/12/2011. ADDED BY IVABKYLD ON 12/12/2011' And it is shown as registered by me! Nothing appears on Experian, just Equifax. Want to get ...

Hi Kazzy, I am in a similar position, I made my last payment in August 2011 and a month later I got a letter from my IP saying that due to HMRC Vat refunds there would now be a delay in completing my agreement. I emailed them to get further info and they just said their hands were tied as it is all ...

Hi all, I have just read an interesting article on this situation where some IP's are closing IVA agreements as usual and some are not and the possible reasoning behind this. I found an article where they state the following: "There are also unsolved legal questions. For instance, who gets the refun...

Hi, Many thanks for all your responses!! Greatly appreciated. It does seem very unfair that some are completing despite this new issue with VAT Refunds, whereas other IP's are choosing not to complete. It is especially frustrating when I am told by my IP that 'their hands are tied' and given the imp...

Hi, I made my final IVA payment in August 2011 and was happily awaiting my completion notice etc, but instead my IP sent me a letter regarding a delay due to a new issue of 'HMRC VAT refunds'. I chased them up a month ago via email and they stated the following, 'As far as the completion of your IVA...