I was just making a monthly check on my credit file just to make sure all ok (all debts and IVA are due to drop off between October and December)
We did a full and final in 2007 and I worked hard to tidy up the file making sure all credit card debts were marked as partial settlements and the accounts were closed with zero outstanding balances and no more defaults were written to the file after the settlement date
Now I've just seen that Marlin Financial Services have bought my HSBC debt, reopened the account and are now defaulting me every month and saying that I have an active oustanding balance of £6277 (which was the amount written off)
It still says it's due to drop off the file in November, but will that happen now they are happily defaulting it every month and it's listed as an open account
Hi. There is every chance that they purchased this debt as part of a job lot and don't realise it was included in an IVA.
Over on the beatmydebt website is a useful template letter which can be modified to suit. Go to this page and the link is about half way down the right hand side under the "Chat Now" button:
