Hi Kallis, thanks for replyong. I have done this but not had a reply as yet, my previous threats of complaining seemed to do nothing other than get them to say it is not theirs anymore. Experian have had a reply with them implying I should deal with them directly, but they don't seem to be a proper ...

As my 6th year has passed, all my Defaults have dropped off apart from this which has appeared with the incorrect date. I have asked them (by email) they aknowledged it and asked for further details and then have gone quiet, and experian to amend it a couple of weeks ago, but not heard anything back...

Afer reading he article by Foggy about what to do about your credit record, mostly they are showing accurate data about the start of the IVA. When writing about an inaccurate default which does not align to the start of the IVA, what is the process when they have gone into administration? I assume t...

Have you checked your credit rating to see if your IVA is down as having completed? When is your six years up as it will remain on there until then. Be wary of making too many credit applications - always best to do a soft search first which won't show up on your credit file. Not yet as I just got ...

Just a quick one as not sure what the best course of action would be. As I have only just received confirmation that my IVA is Complete. All through my IVA I have struggled with my car as it is 11-12 years old, and it is just about running, but I do need to replace it. I applied for finance as I can...

Congrats on getting to the end! I made my last payment with Payplan in March. They only asked for last payslip and was pretty non eventful (was expecting more). Already received a notification on my credit file that it’s complete. Good luck for the future, it’s only been two months but the extra mo...

Ah I see, so they are likely to removed anyway - I may just have a look just to see, and they again after the 6th year just to see if there is much I need to do.

Cheers for the input, really appreciated.

Interesting read, so am I to write and correct things which have defaulted after the start of my IVA now or do people wait till the 6 year point to see if they become removed? I am keen to make sure things are clean as soon as I can after 6 months as it may open up extra employment opportunities wit...

With June being 5 years I have just made my final payment to PayPlan. I would like to thank Foggy, Breezy and everyone who has offered advise and considerations over the years as this has helped me stay with the process. Just waiting to see if I will need to do anything further for my Completion cer...

What reasons could they have to extend it as long as you are making your payments? I do not suffer from depression but I buried my head in the start and pretty much made poor decisions and did not do enough research, but I suppose it is a natural response to a situation that is fearful to push it aw...

Cheers Breezy, the default has not yet appear on my credit report as of yet, as they implied after the end of the month, but I have emailed them informing them that If it appears after my IVA date then I will be taking up a complaint with the ICO to perhaps get ahead of it. I have other defaults aft...

Just had a latter today about a Default that would be appearing against me. A bit surprising really considering I am 4 years and 2 months into my IVA, but presumably this should be back dated to when my IVA started? It is via a Debt collection agency so presumably they have just taken on the debt.

Cheers Foggy that is a really informative read and pretty much answers all of my queries. I want to start saving for a mortgage and to Build my credit, so I will be pro-active from the end as quite often pursuing things leads to quicker action. Do you happen to know if Payplan are often quick to iss...

Does the IVA stay on a year after completion? I would be looking to write and clear my credit reports (I assume this would be to each individual organisation), but I was thinking it may be easier to wait for a lot to drop off. Most of my defaults seemed to happen after the IVA, but a couple were bef...

I have submitted my payslips and am unable to understand my new amount. The current total monthly net income shown in your budget is £1,519.46 If this increases by 10% or less, you won't need to make an additional payment into your IVA So, your net income could increase to a maximum of £1,671.41 If ...