Hi Rachel.01 I am sorry to hear about your situation. This is not acceptable. I would employ a good solicitor and take Experian to court and sue them for loss of future earnings and legal costs. They are reporting incorrect information and as such you would come under the protection offered by the D...

I done a Full & Final back in June 2007. My name was taken of the insolvency register two months later. All debts are marked satisfied. CCJ fell off my credit report file in March of this year. Defaults have just started to drop off. My credit score is still crap! in fact, around 465 out of 1000! Ye...

Hi Foggy

Many thanks for the tips and information. I will keep an eye on the situation and if necessary send out letters to my former creditors towards the end of June.

My IVA was accepted on June 15th 2007. Most of the default dates are reported on or before this date. However, some banks will continue reporting until 31st August 2013 !!! In particular the Cooperative Bank intend to continue reporting until 31st March 2014 !!! In both instances, the period is well...

Hi Kevin If you have written to your creditors asking for the debts to marked as satisfied and they are ignoring your letters then you are well within your rights to report them to the Information Commissioner. Write to these creditors again and tell them that if they do not respond within say two w...

Hi dots my IVA was approved mid June. Remortgage was complete early July. Got a fixed rate of 6.6% for 3 years. Not bad considering I had 4 defaults and a CCJ tacked against me! I hate Amex as a creditor because they caused me all sorts of crap. They instigated the CCJ and tried to get a charging or...

Hi Melanie thanks for the reply. I will keep an eye on the register. I knew Andy would chip in after making a comment like that! Bristol is looking good for me. Many thanks to other forum members for their kind support since early May this year. After one failed IVA proposal with SYNERGI and payment...

Hi Melanie Yes it was very fast and efficient. To be honest I was thinking along the lines of 6 months or so. How long will my details remain on the insolvency register? Anyway, if I am an old sweat then Andy must be a very old sweat! I must admit the Bristol venue looks tempting. I would like to me...

Hi Everyone just a short posting to let you all know that today I received my Certificate of Due Completion for my Full and Final IVA. I would like to thank Melanie, Sarah and Tina at the IVA Advice Bureau. They were excellent in every way. I now feel that closure on the matter has finally arrived. ...

Hi Everyone and thanks for the replies.

RedDevil

Hi Dave that was very interesting reading. Melanie and co have done it again. Good luck with the F&F. OBTW the drinks are on you![:D][:D]

Regards

RedDevil

Well done helen.p and good luck for the future.

Regards RedDevil [8D]

If you do a Full and Final IVA how long does your name remain on the register? [?]

Thanks RedDevil

Hi kykel

By the sound of it your debts are fairly old. Stay in Turkey for another three years and your creditors in the UK will most likely have written them off.

Best of luck

RedDevil

Hi hara If your IVA has been accepted by your creditors and the problem creditor is included in your list then no further legal action will take place. Your IP should take care of that for you. I have a CCJ against me thanks to Synergi and their poor advice but when Melanie took on my case she stopp...