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Hi Everybody,

 

Certificate of Completion received March 2014 but dated 04/02/2014,

 

a little bit annoyed as we agreed a full and final settlement figure in January 2013 (our final year)

 

and paid the amount in full in February 2013.

 

Which really annoyed me but one assumes goes with the territory???

 

would like some advice regarding cleaning up my credit record,

 

 

have only applied to Equifax at the moment and

have a couple of queries regarding a couple of entries,

 

 

if one of you kindly moderators could point me in the right direction

I would be extremely grateful.

Kindest Regards

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hi

what are your queries re the entries?


IMO

:-):rant:

 

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Have moved your thread to the correct forum for more exposure.. you need do nothing, it is purely administrative.

 

however, if you could give us a bit more information then I am sure we will be able to advise :)


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Oops.. my apologies.. I moved it to the wrong one..


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you very much Ford and citizenB!

 

Okay firstly as mentioned, IVA completed, only obtained my £2.00 Equifax standard report as a starting point, on inspection found the following:-

 

Financial Associate!...... Entered here was a name (Polish) who I'd never heard of? Anyway emailed Equifax and this association was removed!

 

Linked Address.............Was also a name and address in here with a "current payment history" for Virginmedia that I had never heard of? To be fair as above emailed and removed!

 

Court Details............... Type: Voluntary Arrangement. Court Date: 22/09/2008. Date Satisfied: 22/09/2009. Amount: £0

 

Assuming the above is my IVA, am I hopefully correct in assuming that I can expect this to (fall off) my record as of yesterday 22/09/2014??

 

Table 1: Credit Searches

 

Date Search Reason Company Search Type

14/08/2013 Credit Search O2 Opt Out

 

Table 2: Other Search

 

Date Search Reason Company

 

05/12/2013 Insurance Quotation Eui Limited T/a Admiral

 

08/07/2014 Consumer Enquiry Equifax

 

25/11/2013 Trace Enquiry Robinson Way Limited

 

24/12/2013 Trace Enquiry Robinson Way Limited

 

08/07/2014 Authentication Check Equifax Consumer Direct

 

Is there anything I can do regarding these searches? Particularly upset with the Robinson Way ones, as they began chasing me for money nearly 12 months after paying the IVA off in full, albeit certificate of completion not received until Feb 2014!

 

Many thanks...

Edited by pushcaddy

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seems now then, just the IVA, and searches on cra?

 

this is the ICO brief guide to defaults, further info available on their site.

http://www.scoronline.co.uk/files/sc...ment_final.pdf

 

re searches, i think 'soft' searches (eg table 2) are usually not 'visible' to third parties looking in re credit.

 

re robbers way demands, can consider making a formal complaint to them about that. were you always paying/up to date as per the iva? if so, they shldnt have been chasing for money.

 

hopefully others will look in to advise


IMO

:-):rant:

 

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Thanks for the reply Ford, love the "robbers way" :lol: .

 

The IVA was never defaulted on at any time, I had to start fielding phone calls from them through Dec/Jan and Feb..... they only stopped contacting me after I sent them a copy of the Certificate of Completion which of course I didn't receive until March.

 

Thanks for the scoreonline link I will have a read shortly, think I just wanted someone else to confirm that my understanding of the IVA date and its imminent disappearance from my cra was correct.

 

Thanks again.....

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hi

according to that link, any default shld not exceed date of an IVA. so, it may coincide re the 6 yrs. but, not sure if the iva wld go from the satisfaction date.

have asked dx to look in for you.


IMO

:-):rant:

 

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if a debt is defaulted

it VANISHES on the defaults 6th birthday

regardless.

 

 

dx


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opps missed a bit

 

 

the debts should have been defaulted when the iva was taken out

 

 

who was the IVA with?

 

 

dx


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Thanks Ford,

 

Hiya dx, this is the only "court" listing on the cra :- Court Details............... Type: Voluntary Arrangement. Court Date: 22/09/2008. Date Satisfied: 22/09/2009. Amount: £0

 

I understood that the 6 years was linked to the "judgement" date which I assumed rightly or wrongly would be the "court" date listed?

 

The IVA was taken with Grant Thornton and to be fair I thought they were excellent throughout the IVA, until funnily enough I paid it off in Feb 2013 at which point I certainly got the impression they had lost interest in me!:violin:

 

Thank you guys....

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then that will go this month I think

a ccj vanishes when it was taken out

not when settled

so I expect the IVA to be the same.

 

 

are any of the debts under the IVA showing still?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks dx,

That's obviously what I'm hoping. The only listing on the credit report under "court" is the one as listed above and that is a cut and paste of the actual listing, is that unusual?

 

Tx

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wouldn't know

never seen an IVA listing.

 

 

so the debts themselves that were under the IVA do not show?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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job done then.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Sorry for jumping in, I also have an IVA with GT started in Feb 2011 and i noticed you did an early settlement? Can i ask what percentage you paid from the outstanding balance? It may held in my discussions. Also how did you go about the process. Sorry for all the questions.Congratulations as well..DGS

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Sorry for jumping in, I also have an IVA with GT started in Feb 2011 and i noticed you did an early settlement? Can i ask what percentage you paid from the outstanding balance? It may held in my discussions. Also how did you go about the process. Sorry for all the questions.Congratulations as well..DGS

you need to start a new thread

 

 

of your own.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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