Defaults Showing After IVA completion

VIAMHO

I entered into an IVA in Apr 18 and competed in Apr 23, My certificate of completion is dates June 23. I have applied for a mortgage and it has been rejected. On checking my credit file 2 of the creditors that were included in the plan are showing as in  default until June 23. I was under the impression that the default should not show after the start of the insolvency. Does anyone have any advice on this and how I can get them removed?

sammyjammy

The date of the default should not be later than the date you entered the IVA< so Apr 18 which would mean it should now be off your record.  Its likely the IVA thats causing the issue unless you've gone to a specialist lender.

VIAMHO

thank you, do you know who I should contact to get it rectified, should it be the creditor or just the credit refence agencies? 

sammyjammy

contact the creditor