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IVA completion and credit file
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kiwi1
Posts: 11 Forumite
I'm hoping someone here can advise... neither Step Change nor the ICO have so far been able to help.
I took out an IVA in 2010, and completed it in 2016. My credit file is now clear except for one debt for £10 with T Mobile. T Mobile did agree to participate in the IVA agreement. The original T Mobile default predates the IVA.
T Mobile argue that because the debt wasn't repaid until IVA completion in 2016, that they did not close the account until 2016, and therefore will not stop reporting the default to the credit agencies until 2022. I also cannot get any account with TMobile/EE etc...
I spoke to Step Change who confirmed the default should no longer show on my credit file after 2016, but they were unable to point me to any definitive information I could share with the ICO.
The ICO investigated and decided that as EE said the debt had not been settled until 2016, that they had acted lawfully, and in accordance with their own policy to keep the default on my credit file for a further 6 years.
Does anyone have any advice on how to sort this out? I have asked the ICO to reexamine the case, but if anyone can point me to the right bit of the insolvency act so I can prove the default should be removed after 6 years, that would be v v helpful...
I took out an IVA in 2010, and completed it in 2016. My credit file is now clear except for one debt for £10 with T Mobile. T Mobile did agree to participate in the IVA agreement. The original T Mobile default predates the IVA.
T Mobile argue that because the debt wasn't repaid until IVA completion in 2016, that they did not close the account until 2016, and therefore will not stop reporting the default to the credit agencies until 2022. I also cannot get any account with TMobile/EE etc...
I spoke to Step Change who confirmed the default should no longer show on my credit file after 2016, but they were unable to point me to any definitive information I could share with the ICO.
The ICO investigated and decided that as EE said the debt had not been settled until 2016, that they had acted lawfully, and in accordance with their own policy to keep the default on my credit file for a further 6 years.
Does anyone have any advice on how to sort this out? I have asked the ICO to reexamine the case, but if anyone can point me to the right bit of the insolvency act so I can prove the default should be removed after 6 years, that would be v v helpful...
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Comments
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It will come off your file 6 years from the date when the account first defaulted.
What is the account marked as on your file? Settled or satisfied?0 -
Take a look at the DebtCamel Article - Improving your credit score after an IVA.I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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Willing2Learn wrote: »Take a look at the DebtCamel Article - Improving your credit score after an IVA.
Ignore any references on improving your score/rating...0 -
that is incorrect information they have given you. default should be removed 6 years after 1st default, not the last default.
They cannot be 'renewed' or continued as this would involve the company that records the information entering an incorrect default date.
contact the CRA and dispute it with them0
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