Thanks again Foggy!

Great, thanks for the clarification, think I'm all done then!

Great, thanks Martin, I was confused!

Hi, I am trying to clear my credit file after an IVA completion and am getting confused with default dates. My IVA started June 2011 and completed May 2013. I have sent my completion certificate and all the creditors have updated the overall account details. They are each showing as satisfied with a...

Do individual default month dates matter if overall default date is correct?

Sorry, one other thing. I have just noticed that all the accounts show a default date of June 2011, which is correct and may mean there is no problem. However, in the Noddle report I am using, it also lists every month the account has been running with a status, so there are default marks against ea...

Also the account end dates are showing as 22/5/13, should these also be 2011 (the start date)?

Hi, I'm trying to clean up my credit file after an IVA and having trouble with some creditors. I started my IVA on 27/06/2011 and settled it early on 22/05/2013. I have had a completion certificate, been removed from the insolvency register, written to all creditors and had all accounts marked as se...

Thanks Foggy.

Great, thank you. I'm a bit confused as one lender specifically said they wouldn't remove defaults before the end date and this was in line with data protection but I will keep arguing!

Hi, I've recently completed an IVA with early settlement. It was started in June 2011 and completed in May 2013. My credit files have been updated but are still showing defaults up to May 2013 and a couple to July. I have written to all the providers. Should these defaults be there or should they re...

Thanks very much. Yes I've had my completion certificate, the register has updated and most of my creditors have updated to satisfied or partly satisfied on my credit report. However I'm still having trouble convincing them to remove the defaults after the start date, and Coventry Building Society h...

Hi, I have completed my IVA with a full and final payment, all processed in May. I had thought from information online that once the IVA was successfully completed, all defaults listed after the date my IVA STARTED should be removed. As this was June 2011 I should therefore have no defaults listed f...

Hi, I am currently almost one year into a new IVA and am wondering about my options after it is completed, when I want to buy a new house. I currently have a mortgage and my provider has said that I cannot re-mortgage or move house until 6 years after the IVA is completed, i.e. 10 years from now. I ...

Hi, I am a director of my own company (along with two other people) and as such most of my income comes from our company dividends. I am considering an IVA, but does anyone know what the implications are in this situation? I would rather avoid anyone else finding out about an IVA if I did get one, b...