post IVA pro-forma

mother_hen_2

I'm just trying to clear up the wrong info on credit files and wish to send a letter in to the debtors asking them to amend their dates/info they hold and I wondered if there was a 'template' on the forum somewhere I could use please?
thankyou

Anondebtadvisor

I found one mother hen but i am not sure admin will allow me to post it, may be they can confirm and if so i will post the link?

fermi

It should be mostly identical to the bankruptcy one, expect adjusted to state that the debts were included in an IVA, the default date must be no later than the IVA start date, and it must be marked in some way to show it is settled/satisfied with the satisfaction date being the completion date of the IVA.

mother_hen_2

Anondebtadvisor wrote: »

I found one mother hen but i am not sure admin will allow me to post it, may be they can confirm and if so i will post the link?

Oh, my that's a shame you can't post the link - wonder why not we are only 'sharing information links'?
Thankyou though, for your kind reply (and wishing to help).

fermi

Dear Sirs

Re: Account Number xxxxxxxxxxx

After consultation with both the Information Commissioner and the Credit Reference Agencies, I am writing directly to you to request that you formally update my credit files in accordance with the Data Protection Act.

I enter an Individual Voluntary Arrangement (IVA) on <Date of your IVA start> which was completed on <Date of Completion>, and <name of creditor> was included within the IVA. For your convenience I have attached confirmation of the IVA and it's completion.

Currently the information that you have recorded against my name with the Credit Reference Agencies is factually incorrect, and despite several written requests to your customer services , as yet your company has failed to correct the entries as required.

• It is required that you default the account, and that the default entry must be no later than <Date of your IVA start>, in accordance with the Data Protection Act.

• It is also required that you mark the account in some way as to indicate that it is settled or satisfied, in accordance with the Data Protection Act.

The Information Commissioner has indicated that I should allow you 28 calendar days from the date you receive this letter to comply, during this time you are requested either to update the Credit Reference Files correctly (of all three Credit Reference Agencies) or notify me in writing the reasons that you refuse to.

After the 28 days have elapsed the Information Commissioner has requested that I inform them if your company fails to update the records so that they may take any necessary enforcement action against your company.

Please note that if this account falls within the remit of the FOS, I will also be submitting a separate complaint to them regarding this matter if the Credit Reference Files are not correctly updated.

Yours faithfully



Fred Bloggs

Enc:

Supportingdocs

mother_hen_2

Thankyou Fermi I've just seen your reply (not sure how I missed it before)