I started an IVA in 2006 and completed it with full and final settlement in July 2010. I received my certificate of completion from my IP dated November 2010. I have a few questions.
1. It is now 4 months since the date of my completion certificate, yet my name is still on the insolvency register. I used the "report error" button to contact on my insolvency register report to tell them the above. Do I need to do anything else and how long before it gets taken off now I have contacted them?
2.Yesterday I was invited by my bank to apply to upgrade my bank account from the very basic account I had during the IVA. The application was declined. Presumably, because I am still on the insolvency register?
3. How do I get a credit report without paying a fat fee and further damaging my score by doing so and should I wait until my name is off the insolvency register before I do?
4. How long will it be before the IVA drops off my record altogether?
Get in touch with your IP company to make sure that they have informed the Insolvency Service that you have completed. It is down to them to do that.
I've answered about the credit record on your other thread and your IVA will drop off in 2012.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Agree with Kallis - But on previous threads it is also with remembering that you Banks also hold information about you - so even if the Credit report shows nothing, the Banks own records may show diffrent.
"key documents and information" must be kept until 5 years after the business relationship ends" (Money laundering regulations 1993,2003,2007)
You will not damage your score by asking for your own credit report. The cheapest way to get hold of your credit report is to request a copy under Section 7 of the Data Protection Act effectivly writing to the 3 CRA's enclosing a payment for £2 and asking for it.
The insolvency register and your credit file are two seperate entities, you should get your credit file now and get any inaccurate information amended. There are templates on this site, I put together a while back I will be using myself for this purpose.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
inaiva wrote:
You will not damage your score by asking for your own credit report. The cheapest way to get hold of your credit report is to request a copy under Section 7 of the Data Protection Act effectivly writing to the 3 CRA's enclosing a payment for £2 and asking for it.
This can be done online too [:)]
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Your details appear on the register for 3 months after they have been informed of satisfactory completion - so if your IP has only informed them on the day you received your certificate of completion then it will be a further 3 months before it is removed.
Your IVA stays on your credit record for 6 years from the day it started.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Hi May - the register is a mess. My address hasn't been updated since I moved Feb last year. Not that I care...but it does explain why I've escaped the ambulance chasers!! I would care if I was in your position. So start making a fuss...it's the squeaky wheel that gets the oil! x
First port of call will be the IP to make sure that they have contacted the Insolvency Service to remove the record.
It's about time the IS got their act together.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
and you can get it back electronically as well to save on the mountain of paper they will ultimately send you 
