Settled on my account

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Ta Dah

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Post by Ta Dah » Wed Nov 30, 2016 10:35 am
From my previous questions, I have now sorted Santander and they said that the default was adjusted and removed from my credit file yesterday, so thats the stray default sorted.

Next is my arrear on my file.

My BOS preference account was one of my creditors in my IVA. They didnt register a default and the account was registering OK from Nov 2010 (my IVA started in sept 2010) all the way to December 2014. After Dec 2014 that is when the missed payments started kicking in all the way to Jul 2015 when a "settled" was put on the account.

Can anything be done with this?

Thanks
 
 

Michael Peoples

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Post by Michael Peoples » Wed Nov 30, 2016 11:11 am
I believe that you can request a backdated default to the date of the IVA and this would then fall off. Someone else may be able to answer better.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
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If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

Ta Dah

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Post by Ta Dah » Wed Nov 30, 2016 11:16 am
Would this be different if they had sold the debt on to say for example Max Recovery? Is there a way of find out if they did this?
 
 

Michael Peoples

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Post by Michael Peoples » Wed Nov 30, 2016 11:27 am
If the debt was sold to Max it would be on the final report but I doubt if they could remove a default put on by HBOS. I am not sure but no doubt someone here will have gone through this before and can point you in the right direction.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

Foggy

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Post by Foggy » Wed Nov 30, 2016 11:35 am
Best bet would be to run it by the CRA.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

Ta Dah

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Post by Ta Dah » Wed Nov 30, 2016 11:42 am
Thanks for the help. Will do some digging.
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