Hi I would ring your IVA company quickly and explain everything , I honestly don't know where you stand, but you need to be upfront and honest with your company. Were you in a joint IVA ? If so they will probably need to know her forwarding address. I hope someone will be on in the morning to advise...

hi guys been a while so I thought I would update you . I finished my IVA in Aug 2015 and have many up's and Downs. My credit file I left for 7 years before I checked it and started to correct it. That took ages as I had to chase and chase one company to correct there details on there. I have been re...

well I've finished my IVA cleaned up my credit file all ready to buy a new car... and believe it or not i'm to scared to go for credit checks or take out finance on one.
What has this IVA done to me ,years ago it wouldn't have bothered me.
well lets hope I will never get into debt again

Im with co op and have there main account, I've had it all the way through my IVA without any problems.
You don't have to change bank accounts if you don't want to hun

hi hun,
unfortunately the guys are right your 6 year anniversary is 2017.
im fighting defaults at the moment and its no fun at all. be patient and check 2 months after the finish date of your IVA next year

Heidi

Great news, ive sent all my info off to the PRA group but they are giving us a bit of a run around threatening to put IVA back on my account even thou been out of IVA for over a year so 7 years since start. Like you said the guys on here are a god send and they are here with us through thick and thi...

thanks guys,
you did make me laugh.
im off nights tomorrow so will send what they ask but gonna also read your file tonight as well to see what else i can do.
Thankyou for all your help

Thanks guys well pra company have phoned me but they are refusing to reset the default date to the start of my IVA. instead they want to lable my file saying IVA . Ive got to send them a photocopy of my completion certificate and also a copy of the credit report showing what they put. What happens n...

Hi scooby yes i kept everything, but this PRA group have bought one of my Debts and not told me or my IVA company as they have no dealing with them either. it could be one of 2 debts so im going to have to give them both of my old reference numbers to see if they match anything they have. Im so plea...

well just an update, IVA company dont have any record of them. PRA group also contacted me and they cant find my account either so now i have asked them to lok deeper into it,
So my credit file is tarnished by 1 default.

what is the chance of me getting a car loan with this on my file.

Hi scooby i am also having trouble with my credit file. i was defaulted after my start date and it will stay on my file till 2019. Problem is i contacted my IVA company and they have been really helpful, but one of my creditors sold on the account and no one knows who they now represent. So im stuck...

Thanks kallis.
I have e mailed them and my old IVA company so hopefully i will get some luck.
i have googled them but dont give a list of who they represent, so probably one of my debts was sold on

well finally checked experian and yep there is a default on there dated 2013, started iva in 2009.This is with PRA group LTD. so now i need to find out who they are and representing as no reference number on there.
need a good letter for them if anyone has any suggestions

thanks Foggy, im useless at these things lol. ordered it now it will take few days as apparently they send a special key to home then log in with it.
Lets hope its clear as all other reports only show my mortgage.
fingers crossed as been 7 years since commencing iva

It costs £14.99 with experian to get my credit report am i looking at it wrong