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Posted: Wed Feb 17, 2016 8:21 pm
by Tillergirl
My IVA put in place 23/12/2010 but I completed early 21/04/15 so I understand will have IVA on credit file until Dec 16. However when checking my credit report there is an 'active' CCJ on file. The CCJ was included in my IVA yet the judgement date is 09/05/2011. This means IVA will drop off Dec 2016 but CCJ only May 2017! Can I write and dispute the CCJ date as it was included in my IVA or do I have to wait until May 2017?
Posted: Thu Feb 18, 2016 4:59 am
by luluj
You can write now and challenge this with copies of your iva agreement showing their inclusion.
Its not unusual for creditors to continue adding default etc during an iva despite them not supposed to.
Posted: Thu Feb 18, 2016 9:14 am
by Lisa Thomas
I would wait until dec 2016 and then review your record again. If it doesn't drop off you can then send them another copy of your CC and remind them to update their records accordingly.
Posted: Thu Feb 18, 2016 10:54 am
by dand
as Lisa has hinted i'm sure they don't drop off until the 6th year has passed