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Ta Dah
- Posts: 46
- Joined: Wed Feb 04, 2015 12:41 pm
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I have been checking my file on check my file and my credit score shows
1 case of arrears
1 defaulted account
1 arrangement
The default is Santander that I am currently sorting out
The arrears was from a preference account with Bank of Scotland. This was included in my IVA but says closed 29/07/15. No default just a history of 6 missed payments.
The arrangement is with Barclays. It is to do with my Mortgage account. I called them to say I would be paying xxx amount off a month, but as this is linked to my mortgage it either gets paid off once the house is sold or I pay it off. Its like an overdraft so to say.
Like I said, I am trying to sort out Santander, but what can be done with the Bank of Scotland and can anything be done about the arrangement?
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ginger323232
- Posts: 544
- Joined: Thu Jan 10, 2013 12:31 pm
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When did you IVA start ? Has it finished? do you have the certificate?
All you defaults will remain on file for at least six years - from the start date of your IVA
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Ta Dah
- Posts: 46
- Joined: Wed Feb 04, 2015 12:41 pm
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IVA finished in May this year and I have my certificate. Original IVA started in sept 2010 so would have ended in sept 2015, but we had a 6 month extension, so everything should have dropped off in september this year
Last edited by
Ta Dah on Tue Nov 22, 2016 7:50 pm, edited 1 time in total.
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ginger323232
- Posts: 544
- Joined: Thu Jan 10, 2013 12:31 pm
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You may have to write to each company - requesting they remove defaults to the start of your IVA. You need to write to the Data Contoller - the address you will find on the ICO website
The mortgage defaults will be diffrent and they may have to run a full 6 years before they drop off - the fact you mentioned about this being payed when the house is sold - Is there a Charging order against the house???? - if so this will remain
Last edited by
ginger323232 on Tue Nov 22, 2016 8:42 pm, edited 1 time in total.
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Ta Dah
- Posts: 46
- Joined: Wed Feb 04, 2015 12:41 pm
- Location:
Every default I had has dropped off except Santander. They added the default a year after the start of the iva. They have admitted the error and said they will rectify it, but looks like they have issued a partly settled but still leaving the default on the account.
There is no kind of order on the house, just a regular mortgage and an account linked to the mortgage that in effect is an overdraft facility should you need it. It is this account that has the arrangement off to pay the overdraft off by paying of so much a month.
Im not too fussed about the overdraft thing, just the santander default and the partially settled thing.
Last edited by
Ta Dah on Tue Nov 22, 2016 9:25 pm, edited 1 time in total.
