Help needed!!

Landys2018

Hi, brief history. I entered an IVA in September 2018 and haven’t checked anything to do with my credit report until recently. I was under the knowledge that any lenders in my IVA had to put the account into default which would stop my report showing any missed payments. All the lenders involved have done this except amigo loans. I had lots of trouble of trouble with them to begin with. I wrote to them in March 2021 and requested that they put my account into default from sep 2018 as they had to and to remove the missed payments. They’re response was that my account was in default (not according to my clearscore report) and that they didn’t need to report it on my credit file and the missed payments would stay on my account as I was in arrears. Since receiving this letter my payments history for April  is showing no missed payments, amigo hasn’t declared a missed payment for that month for the first time since 2018. Am I right in thinking they have to declare my account is in default to my credit file and that my file shouldn’t show any missed payments? All other lenders haven’t put down that I’ve missed payments. Hope this makes sense. 

sourcrates

I wouldn't worry too much about it as its not a negative thing, one less default in my opinion, has to be good.