IVA complete - Outstanding Default?

callumbarney · 12 January 2010 at 8:15PM

Hi,

I'm new to this forum but desperately need advice. I entered into an IVA in Aug 2003 and completed in Oct 2008 however there is a default against my name from March 2005? I'm sure I entered all debts into the IVA however have not kept all paperwork as because as far as I was concerned I had completed IVA successfully. Some accounts I know changed account numbers due to the fact that they had been given to various credit collection agencies. The one registered against me is for a company called Robinson Way and they have said it's for a Marshall Ward account?

Can I get this removed? I need to as I can't cope with this against me for any longer. My partner and I have a 3yr old and one on the way and need to get this sorted as it feels like it's going to affect my life forever! Can't understand why this is on my record and was updated in Feb last year? I have been on the electoral role for all the time and have never received a default or any letters about this account since entering into my IVA? We also obtained a mortgage in July 2009 - how with a default against my name?

Please can anyone help as I can't wait till March next year for this to finally drop off after the 6year period date from March 2005 (supposed default date).

fiveyearplan · 12 January 2010 at 8:17PM

Welcome and congratulations for completing your IVA!

Start with the credit reference clean up sticky on the front page of this forum.

fermi · 12 January 2010 at 8:18PM

Here: Credit Reference File Clean Up Post IVA

callumbarney · 12 January 2010 at 8:26PM

I have looked at that but I'm not sure it would help if the account was not part of the IVA? Not really sure as I'm not really aware of the full details of the account they are talking about etc. I know one creditor did change account numbers part way which was a nightmare. How do I quote to them if it was not part of the IVA? Especially as and IVA you do pay some money and bankruptcy you don't however it is for the same period? Confused?????

InnerPeace · 12 January 2010 at 8:36PM

I think I'd go back the Supervisor and speak to them about it.

fermi · 12 January 2010 at 8:56PM

callumbarney wrote: »

I have looked at that but I'm not sure it would help if the account was not part of the IVA? Not really sure as I'm not really aware of the full details of the account they are talking about etc.

I see...............

In that case I agree with InnerPeace.

Contact the supervisor to find out if this account is one that was in your proposal, and what the status would now be.

Once that is clear, you can go from there.

IVA complete - Outstanding Default?

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