www.iva.co.uk

Hi,

I'm trying to clean up my credit file after an IVA and having trouble with some creditors. I started my IVA on 27/06/2011 and settled it early on 22/05/2013. I have had a completion certificate, been removed from the insolvency register, written to all creditors and had all accounts marked as settled.

However, despite also writing to the relevant data controllers, all my accounts are showing an end date of 22/5/13 with default dates showing right up to the same date, and even 2 months later in 2 cases.

I understand from this forum and elsewhere (including the ICO's guidance) that I should only have default dates up to the START date of my IVA. Yet despite my best efforts not one of my creditors has changed this. Coventry Building Society even wrote back specifically to say they would not change the account as I requested and that this was in line with data protection guidelines.

I have written to the ICO but understand no action is taken in specific cases, they just note it for themselves.

I don't need credit now but would like to ensure my file is completely clean 6 years from the IVA start date, which is what I thought would happen.

My questions are:
1. Despite the dates on my files, will all the default dates disappear 6 years from the IVA start date ie. June '17? I would be okay with that.
2. If not (and they will instead remain until May '19 based on the current default dates), what else can I do?

Thanks in advance!

Jon

Also the account end dates are showing as 22/5/13, should these also be 2011 (the start date)?

Sorry, one other thing. I have just noticed that all the accounts show a default date of June 2011, which is correct and may mean there is no problem.

However, in the Noddle report I am using, it also lists every month the account has been running with a status, so there are default marks against each month up to May 2013. But if the default date in the account summary is correct, do these dates/statuses actually matter?

I think your a bit confused, an account can only be defaulted once, the status will show this same status each time it's updated until it's settled or after 6 years. The default markers after the first one aren't new defaults

The end date should be just after your IVA completes,the status after that should change to satisfied or partially satisfied(means it was satisfied by an IVA or bankruptcy)

The start date should be on or before your IVA start date.

The defaults will drop off 6 years from the start date( so by July/August 2017)

Martin

Great, thanks Martin, I was confused!