We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Defaulted IVA 10 years ago still on credit report
Options
Hi all, new to this forum.
I entered into an IVA which I defaulted on. The court date for which was back in 2006. I've been slowly re-building my credit and have requested an equifax report. The IVA is still listed under court information as a public record. I thought this should have been removed after 6 years? No other companies I owned money to are listed. Can anyone help please? Thanks in advance
I entered into an IVA which I defaulted on. The court date for which was back in 2006. I've been slowly re-building my credit and have requested an equifax report. The IVA is still listed under court information as a public record. I thought this should have been removed after 6 years? No other companies I owned money to are listed. Can anyone help please? Thanks in advance
0
Comments
-
Yes it should of been removed.
Follow the steps for disputing the entry with the credit reference agency's.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Is the iVA still on here?
https://www.gov.uk/search-bankruptcy-insolvency-register
If so, then you will need to get the IVA company to go through the official channels to notify the court etc and get the IVA formally recorded as terminated as per the correct date.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Thank you - I'll check via the link and take it from there. I spoke to equifax yesterday and they said without certificate of completion it would remain there indefinitely0
-
Slightly incorrect, as you will never have a completion certificate as you didn't complete it, but just splitting hairs there really. A termination notice should do it, or a call from the IP or his staff may be good enough.0
-
Thanks for this. That was the response from equifax. So does this mean I need to contact my IVA practitioner? I believe they have ceased trading which may make things difficult. Would they provide notice of termination and would this mean I could request my credit file to be updated accordingly? Thanks0
-
You could ask insolvency service, they maybe able to help (I assume they have access to register info after it drops off from site)
Fermi asked about the register earlier, are you still on there ?0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards