Perhaps they've just update early KAYKAY? Let's hope so.
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
I recently recd my credit reports from the big 3. My application was made by post giving my former name/address, my current name/address.
1) The first report came back with just my current name and address and my present bank details. Nothing else, not even the IVA. Had to resubmit an application.
2) The second one had a reference to the IVA. My current name, address and bank details correct. My previous name correct but incorrect address/default dates.
3) Personal details correct, IVA mentioned, some of the default dates are also incorrect. Also a link made to Santander Cards.
Have no connection at all to Santander apart from using their ATM to get cash.
Had to enter into correspondence with the big 3.
Who is responsible for the data held by these agencies?
You should write to the creditors who have defaulted you after the date of IVA acceptance and get them to remove those defaults - enclose a copy of your completion letter.
The IVA will remain on there for six years from the date of acceptance.
It's the creditors who are responsible for the data - they supply it to the CRA who just update your records.
What is the link to Santander - did it say?
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
@ Kazza ..no connection at all with the Banks mentioned.
@Kallis quote
Link Details
1. From Flat No (Previous address)
Most recent source of
Link: Santander Cards
To (current address)
Last confirmation date 1/12/06
Earliest Confirmation date : 30/04/2006
I am awaiting detailed information from the Csllcredit.
My IVA completion date on the certificate is May 7th...on the report Max Recovery is updated to 19/06, and reports balance satisfied, but Nat West is on updateded to 05/06, and doesn't report as balanced satisfied yet
Even though my IVA started on November 7th 2005, interestingly a couple of the default dates are in January, and one of the February 2006....not long after, but is this normal?
You need to write to them and tell them to remove the defaults although it might not be worth it now as they should drop off at the beginning of next year anyway.
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
kallis3 wrote:
You need to write to them and tell them to remove the defaults although it might not be worth it now as they should drop off at the beginning of next year anyway.
Is it MAX Recovery I need to write to, or Experian?
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
