My IVA started in February 2010 and finished in July 2012 with a F&F payment. I received the completion certificate in July 2013.
As it is now 6 years since the IVA started, I was expecting the debts to have come off my credit report. However having looked at it, my bank overdraft still shows as an Active account, with the balance as at the IVA date, and I have 4 defaulted accounts with various balances. Other accounts I had in the IVA do not show at all.
Am I right in thinking that the updated date for all of these should be the start date of the IVA (some show this date as February 2016) and that they should now not appear on the credit report?
And finally, what do I need to do to amend it.
Paid F&F in July 2012 and received CC in July 2013
Yes, they should all be dated back to the start of the IVA. You need to contact those creditors and send a copy of your completion letter and tell them to remove those defaults.
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
It does take sometimes a month or two after the 6th anniversary for the creditors to update your record. If it were me I would wait until the end of March at least to see which creditors automatically update your record and then contact those that don't.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Thank you all. For some reason my email account thought these were spam messages and so I hadn't had the notifications. I will get on with notifying the creditors.
Is it normal for an overdraft included within the IVA to be still included within Active Accounts? I can understand the credit cards and loans still being shown but they are at least shown within closed accounts.
Paid F&F in July 2012 and received CC in July 2013
I shouldn't be showing on active accounts if included in your IVA.
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
