www.iva.co.uk

Hi

Is anyone able to advise when my IVA will drop off my credit file please?

I started an joint IVA in July 2009 and had F&F accepted in April 2012. Completion certificate was dated July 2013. My credit file is stating I have an IVA record that is 90 months old.

Secondly, my husband has a CCJ registered against from one of the debtors included in the F&F, Santander. It is still showing as an amount outstanding and was registered 2 days before F&F was accepted in April 2012. Incidentally they were one of the creditors who did not vote. I have written to the court to ask that the entry is satisfied and they advised I need to speak to Santander. I have written to Santander at the end of November but not heard back. I'm sure they have to respond within 8 weeks to be compliant with FOS regulations so will chase in early February. Can anyone advise if we are entitled to have this entry removed or has any advice on dealings with Santander complaints?


Many Thanks

Carrie

IVA should drop[ off in 6 years if completed --- is it still showing on the Insolvency Register ? If so send them a copy of the completion certificate.

CCJ should never have been issued -- ask your IP to sort this out.

Hi Foggy

Thanks for that. Is that 6 years from when completion certificate is dated or 6 years from the start of IVA?

Carrie

6 years from the start of the IVA (as long as it is completed).. have a read here:

http://www.iva.co.uk/what-does-an-iva-d ... dit-record

Thanks Foggy

I had a similar issue with Yorkshire bank. Your best bet is to call them directly rather than waiting for an email response. I called about 4 times and persued it and it was resolved and removed within about 3 weeks of my initial phone call