www.iva.co.uk

I have asked this before but cannot find the naswers. as I understand it the defaults fall off your creidt record automtaically after 6 years?

Or you can send the completetion letter and cert yourself to speed it up?

Defaults should drop off automatically, they don't with equifax though, its like 2 weeks later after the 6 years. Call credit appear on the ball and delete within a couple of weeks before the 6 years.

Experian I was told 6 years and a day, still there though, checking again tomorrow.

Sending your completion report to the agencies ensures they mark it as completed so that when the 6 years is up it is deleted too. They wont delete the IVA record until they get confirmation the IVA is completed, even if it has been 6 years.

So I have to send the completeion certificate to the agencies Equifax and Experian, are there any others?

Callcredit is the third

Your IP should let the agencies know but you will need to check to see if any defaults are on there after the date of IVA acceptance. If they are then you need to contact the data controllers for those creditors and tell then to remove the defaults.

Who would the data controllers be?

I believe, and I could be wrong here, that you just address your letters to the data controller at whichever creditor is still defaulting you.

I'm sure TheMatrix will be along to advise - he's pretty good with this sort of thing.

So I contact these agencies they can tell me who still has a default on me then I send the data controlelrs the certificates and the credit agencies as well?

And are there any template letters I canuse anywhere?

You need to send for a copy of your credit record from Experian, Equifax and Call Credit - should cost you a couple of quid a time to see if you have any defaults that shouldn't be there.

You then write to the data controllers and enclose a copy of your completion letter. You don't need to send one to the CRA.

The insolvency service should let the agencies know, after the IP informs them that the IVA has been completed.

List of data controllers, and their addresses, can be found on the ico.gov.uk website.

My internet is playing up at the moment, keeps going down and when it comes back up everything is slow and sometimes does not load up the pages, otherwise I'd find the URLs for you but there are some template letters on the forums here somewhere, Not in this section though.

Sorry to be an idiot but I cannot find that lsit on the ICO website.

So a procedure could be jsut to clairfy

1 Get the credit records from the 3 agencies check for defaults

2 Send copies of the completetion certificate to the Data Controllers for the Creditor

First - get your credit record and see what they say.

Once you get that then come back to us.

Agreed, your first step is to get hold of the 3 credit reports from Equifax, Experian and Call Credit. Without them you wont know what needs correcting, if anything.

http://www.iva.co.uk/forum/topic.asp?TOPIC_ID=31985

ICO Register is here: http://www.ico.gov.uk/ESDWebPages/search.asp

As mrs torch and i are in a joint iva, when the time comes, do we have to get a credit report each(ie 2x£2)