www.iva.co.uk

I finished my IVA last year and the 6th anniversary was 2 months ago. It has now been removed from the Insolvency Service Register and Equifax and Callcredit have arranged to remove it too. However, im having massive problems with Experian who say that they contacted Insolvency Service previously (whilst it was still on there!) now it has been removed they are saying it is up to the Insolvency service to contact them. I spoke to the Insolvency Service who said that this is typical of Experian and its up to Experian to recontact them and ask for confirmation. Experian have told me tonight that they have already asked them! I said that was 3 weeks ago and since then it has been removed. They were not listening to a word I said and said they cant remove it! Can anyone please give me any advice, because Experian are now driving me mad!

Hi

Tell Experian that you will lodge a complaint with the Information Commisioner unless they update your credit file correctly.
http://www.ico.gov.uk/

Regards

Helena sorry to hear about your problems with Experian I had different problems with Experian about removing assoications which were linked to me as the accounts are settled once I paid the £14.95 for an extra month as my free 30 days expired they fixed it within 10 days amazing. Hope you get sorted soon

Write them a stern letter or email threatening to report them to the ICO unless they update the factually incorrect information. Mark it for the complaints escalation team

This letter worked for me:

Your name and address

Date

Data Controller
EXPERIAN
LANDMARK HOUSE
EXPERIAN WAY
NG2 BUSINESS PARK
NOTTINGHAM
NG80 1ZZ

Dear Sir/Madam,

After consultations with both the Information Commissioner and the Insolvency Service, I am writing directly to you to request that you formally update my credit files in accordance with the Data Protection Act.

I entered into an Individual Voluntary Arrangement on XXXXXXXX and subsequently completed the arrangement on XXXXXXX. For your convenience I have attached a copy of my Certificate of Completion.

Currently the information that you have recorded against my name is factually incorrect. The IVA is not marked as Discharged/Completed.

In accordance with the Data Protection Act it is requested that you update the account to reflect the correct status.

The Information Commissioner has indicated that I should allow you 28 calendar days from the date you receive this letter to comply, during this time you are requested either to update the Credit Reference File correctly or notify me in writing the reasons that you refuse to.

I look forward to hearing from you.

Yours Faithfully,


XXXXXXX

Mattyboy i shall be seeking your advice soon i think once my IVA completes. Perhaps Andy will allow you to have a template page as the advice re clearing up your credit files etc has been very impressive.

I believe the matrix already has one.

Orchid5, always happy to help. I have much experience of dealing with CRAs they can be frustrating to work with but of you know what you want and know your rights they never argue.