www.iva.co.uk

Hi everyone, long time no post..

As the topic header says, I received my Completion Certificate last year. According to Noddle and Clearscore my long term debt is 0. I have now received a Creditor statement which states that I am still overdrawn. Is it just a simple matter of the IVA completion hasn't filtered down to that department, or should I write to them with a copy of my CC?

With regard to life in general, I have managed to save a few amounts that I was previously paying into the IVA, so I have a good contingency. I had a good measure of how far I've come last September, I was in south west London for a couple of days and was on a bus going through Wimbledon, and it occurred to me that the last time I was in that area (late 2008) I was over £25,000 in debt. So I think about that when I'm feeling a bit down about things - debt was so much at the forefront of things for so long, it still feels a bit odd that it isn't there any more.

Hi

Yes I'm afraid you might need to send the creditor a copy of your CC to get this fixed.

Remind them that any defaults should be backdated to the start of the IVA (and should therefore drop off once the 6 year anniversary has passed)

Such a nice feeling for you to be rid of all that debt!

I agree -- a copy of the CC wouldn't go amiss. It is probably a left hand / right hand mis-match !

Thank you Lisa and Foggy, like I said writing to them with a copy of the CC was my main thought, but I thought a second opinion wouldn't go amiss!

If the overdraft is not listed on your credit file I am not sure I would be that bothered anyway. It could be just a computer generated letter sent to you but if it relates to an old pre IVA overdraft not listed on your credit report then it can do you little damage. Sending them the completion statement may allow them to close your file but the main thing is your credit is back to normal.

I would ring customer service and ask them what the letter is about.
When I had a debt go back on to my credit file I rang the bank,talked to a very nice customer service lady and within 3 days it was removed.