www.iva.co.uk

Hi, wonder if anyone can advise please.
Iva agreed April 2009, last payment April 2015, completion certificate received May 2015 , checking credit files today there are a couple of accounts showing defaults up to May 2015. Am I right that we should request these are now removed as nothing can have a default date after date iva agreed, and as we are nearly 7 years from start date, everything should have dropped off by now?
Really irritating thing is that these are only for a few hundred pounds but are stopping us from getting a mainstream bank account!
Thanks in advance for any help

P x

Hi That's correct - creditors can sometimes erroneously register defaults after the start of your IVA, which is incorrect. Contact them and get them to update their records accordingly by sending them your CC.

This quick video I made might be of help.

https://www.youtube.com/watch?v=PV4RzUY4BRM

I think you can also check your rating for free at Noddle and Clearscore.