If all else fails you can force the credit file agencies to have the entry corrected as you have the Court evidence and the entry is therefore providing incorrect information and is in breach of the Data Protection Act and the data storing industry protocols. I've forced them to actually remove entr...

Thanks Kelly I had a few with Max Recovery and they have marked the debts as satisfied on receipt of the completion certificate. Just seems really weird that - what should be a non existant debt- can be sold on more that 6 months after completion. Does anyone have a working route to Max Recovery/Eve...

Hi everybody - My IVA completed at the beginning of Feb 2012. Today I got a letter to say one of the debts transfers to Max Recovery as of 23/08/12 and a letter will be sent to my supervisor. The final dividends have been paid, I have my completion certificate and my name is no longer on the Iinsolv...

15th according to Equifax

Be very careful about including redundancy. It might have to last a fair time while you look for work. After four years and with the PPI money there might be enough in the pot to make a f&f with the money to date on the basis you're unlikely to get a job in the near future Discuss with your IP it's ...

Hi Funny gas people told me the same after years of paying service cover. I argued that they should have dealt with the deterioration before it got so bad. Took a lot of standing my ground but they gave in and gave me a new boiler for nothing. I only paid for installation and a full flush of the sys...

Congratulations.
Just a tip ask the closure team if they can send you a full electronic copy. It'll make sending to companies easier
Check the Insolvency Register as you probably drop off in the next few days

Even funnier I found out that years ago I had signed up with Experian and my ID and password still work. Info looked the same but wanted £14.99 amonth to give memy report. Guess there just tighter on the £2 report. I've sent a page print and a sarcastic note to ask why one but not the other. Passes ...

If its still on your credit file it will show the Court and the reference number. If its not showing its past the six year point and is no longer in the public domain

Hi
If its still showing on your credit files it'll have the Court and the Court Reference number - track it through that . It should drop off at the six year after judgement date regardless of whether its marked satisfied or not.

Funny Experian took the £2 before saying they didn't recognise me. Thought that was just mean and a bit naughty. Suppose I'll never know why. Wonder if I pay for one of their super duper expensive services they'll find me or once again will they take the money and then say I don't match. Btw working...

Oh well the wrong card theory out the window for me then The only one I've been able to access is Equifax the others refuse to recognise me Been here for 8 years on the electoral roll and have loads of bad credit Including Court action LOL Not that fussed until the IVA drops off but weird. Dies that...

TheMatrix
Thanks for that answer.I was stumped as to why I couldn't get set up.

Hi Vixster While I do say don't pick the scab getting the default dates sorted isnt picking neither is getting your IVA off your records. Six years from the start thats the law. Let the credit agencies do the work.They make money from storing the correct information. Raise a despute - copy the certi...

Hi Crazyjoe90 I appreciate you want the IVA over with but please bear in mind your pension pot may have to last you a very long time. As Melanie says seek independent advise before using it. Once it's gone it's gone. Most of us are too old to make it up again. Consider all the options before you mak...