I basically got credit report from each of the three credit ref agencies and checked all the default dates should be the start date of your IVA so they drop off at the same time. Any discrepancies then need to send a letter to the credit company concerned asking them to amend it with a copy of your ...

Thanks, I have sent the standard letter to Santander and awaiting response but Experian have worried me saying they will not action anything as there is no default to amend and this will stay on my file. Anyone else had experience with this?

Hi, I started my IVA 10/02/2010 and finished in 2013 via a full and final settlement. I am trying to clear my credit files as all defaults should drop off within 28 days of 10/02/2016. I checked my credit files and I have a Santander loan that was included in my IVA that has been marked as delinquen...

Hi, i completed my IVA with a full and final payment (certificate dated 05/03/2013) Iva originally start date was 10/02/2010. I am trying to clear up my credit files but not sure what i am looking at. Should all of the satisfied dates be when the IVA started as they are currently showing about 6 mon...

Thanks, can my IP refuse to put an offer to my creditors as they will not benefit as much?

Hi, I am currently in a 60 month IVA, have paid two years of £283 monthly instalments and then had maternity leave so have not paid for 6 months. I am looking at going back to work part time 3 days a week as i have family who can do the childcare for the3ese 3 days only otherwise with costs etc not...