No, you need do nothing. I believe the debts should simply disappear 6 years after the default date, but certainly the default will disappear, so that is fine. The settled date does not matter. font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by stewpots...

OK, Yes I've had mixed success. With Cahoot I had a default about 2.5 months after my IVA start date, but they were very good, I just made a phone call to them, and they removed it pretty quickly, even phoned a week later to confirm. Can't fault them. MINT was my next worst one, being some 37 days a...

I recently wrote to MBNA, something like the standard letter above, just asking for the date to be changed, and including the following paragraph: (I note that debt is marked as satisfied because it was sold on, but the date still needs to be corrected.) MBNA responded within a week but wrote that t...

If you have any creditors you can't find on your Experian credit report (e.g. because only listed on the others), the ICO website may help to find the address: http://www.ico.org.uk/esdwebpages/search

By the way, two more things that are confusing when trying to sort through everything: (1) Often the reference when a loan is sold on seems to not end in quite the same last four characters, they're shifted by 1 place, so e.g. something ending in 4650 might become something ending 650 1 (i.e. a digi...

I'm also adding the following paragraph to people like MAX Recovery etc who have bought debts from others. (If you hold any accounts in my name which I have omitted to mention, or for which I have quoted incorrect details, then I ask that you take the following request to apply to any other accounts...

Hi, I said a while ago I'd post the letter I'm sending to my creditors. Actually took me a while to sort out - probably 5 hours, even though just 5 creditors, because it took a while to get everything straight, so I'm also going to post some what I hope are helpful tips. Your Experian credit report ...

I really need to get on with sending the rest of my letters to creditors... Well, I hear that quite often the account is only defaulted some time after the IVA begins, either a month or two as in my case, or years in some cases - perhaps it happens when accounts are reviewed or sold on. Such a small...

Well, no idea why as I'd have thought even if they were marked as settled they'd still show up for 6 years from default, but they're not there, so nothing to do! Regarding the entry in the notice of correction, this is something Equifax do (they did it in my case too). This will remain on the credit...

How many creditors did you have? Are any of the debts showing up (perhaps marked as satisfied?) Only think I can think is maybe they've been efficient about marking the debts as settled but unusual to have all the creditors behave so efficiently I'd have thought. I assume your IVA is showing up as e...

I was exactly the same, worried about the length of time before I would be "safe" when the IVA was agreed. Maxed out on loans and also had an overdraft. I opened a new bank account (with HSBC actually) and had my salary paid into that. When I started talking to people about an IVA at least I had a p...

Well, I searched for myself on the register a week or two after completion certificate - to see whether it was updated - and I had simply disappeared! I thought it was supposed to be on for 3 months after completion, but it was only about 2 weeks later that I had disappeared from it completely. font...

Oh, I've remembered something else I was wondering about. So for Cahoot they've moved the default back to the correct date, and also added the partially satisfied entry, which is dated at the end of the IVA. Does this mean that the default drops off but the "partially satisfied" remains - I assume i...

Hi, First thing, I guess if you're on the 30 day free trial you're going to have to cancel those before the 30 days are up otherwise they'll renew them at £10 a month each or thereabouts. Some of these sort of things you need to phone up to cancel, but personally I've always gone for the £2 statutor...

Thanks for that. Sounds like it's worth sending letters to everyone then, thanks for that. font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by TheMatrix It drops off either way whether the default is satisfied, partially satisfied or outstanding. For my ...