I was previously in an iva which I have paid off through a full and final settlement in June 2012. I took my IVA out in June 2009, do I have to write to each creditor advising them of the start date and completion date as I just noticed on my credit report I've been marked as having defaulted payments each month post my iva start date....
The main creditor is ribs not sure how fast they are at updating systems(??
If you have received your completion certificate you could send a copy of this to your creditors to demonstrate the start and end date of your agreement. Write a letter requesting they remove all defaults after the start date of your IVA and give them 30 days to make the amendments...they will do it, but might take a couple of attempts.
Saying all of that your creditors would have been informed by your IP that it had ended and therefore they should not be continuing to default your record.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
