I have spoken to the Financial Ombudsman who are working with me to get my accounts updated following the completion of my IVA in January. Before I contacted them I sent out the standard letter that is here in the forum about updating the default date to the beginning of the IVA. It goes like this.
"The dates showing on my credit file history for this account are incorrect and a breach of the Information Commissioner’s Office guidelines and the Data Protection Act 1998. There should be a default date not later than the start date of my IVA which is the 21 March 2014."
The Ombudsman representative is saying that it is OK if my account history shows a status of settled and the history shows default up to, but no longer than 6 years after the IVA started.
March 2020. I think I had misunderstood this and it is dawning on me that the defaults will show in history from the start of the IVA until 6 years is up. Is this correct?
