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Posted: Sat Mar 28, 2015 9:44 am
by Daniel.w
I completed my IVA nearly 2 years ago but NatWest keep sending me letters to tell me that my loan account is in arrears. I have phoned them multiple times but the letters keep coming.
Please can someone advise me what I should do. My wife panics every time the letters arrive and it is really starting to cause her stress.
I am also concerned this will effect my credit file. I am now 100% debt free and need to make sure my file reflects this.
Posted: Sat Mar 28, 2015 10:12 am
by Foggy
First of all make sure everything is clear of the IVA. Check you are off the insolvency register then get a copy of your report from each of the three credit reference agencies.
If the default is still there you need to send them a copy of the proposal and certificate of completion and ask them to remove it and amend their records.
Have a look here:
http://debtcamel.co.uk/credit-file-after-bankruptcy/
Posted: Sun Mar 29, 2015 11:28 pm
by Gina.gu
I have had nat west send me many of these recently that 3 years after my full and final. I Ignored them as they were not on my credit file. Then they sold the debt to a company which I got annoyed about so I phoned that company and told them it's on an old iva. The letters have stopped now
Posted: Sun Mar 29, 2015 11:35 pm
by Gina.gu
no default should be registering after your iva so you may need to check and get them removed
Posted: Sun Mar 29, 2015 11:37 pm
by longslog101
So long as the debt was covered by the IVA A written warning to them advising the debt was subject to an IVA that has now completed - if they contact you again you will be taking legal action against them as they are breaking the law should do it.
Has anyone ever sued a former creditor for harassment or similar ? Would be a peachy kind of response, I think I might do it if they hassle me !
Posted: Sun Mar 29, 2015 11:51 pm
by Gina.gu
Longslog you can complain to the ombudsman and ask for compensation for distress . I've done it x3 and won as they refused to change my defaults . Once I've had to pay up as I needed the default off quickly ,but still challenged it and won .
Posted: Mon Mar 30, 2015 12:47 pm
by Lisa Thomas
Hi Daniel - send them a copy of your IVA completion certificate/s and ask them to update their records accordingly. You can also check the IVA register her to make sure you are no longer shown on it:
https://www.insolvencydirect.bis.gov.uk/eiir/
Posted: Mon Mar 30, 2015 1:52 pm
by longslog101
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Gina.gu
Longslog you can complain to the ombudsman and ask for compensation for distress . I've done it x3 and won as they refused to change my defaults . Once I've had to pay up as I needed the default off quickly ,but still challenged it and won .
Nice one gina
we fight fire with fire ![:D]