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Unknown 2012 Loan + Registered 2020 Default from IFA Finance Designated Activity Company registered 2020 on my TransUnion Credit File


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Hi,

Bit of a strange one this....

I entered into an IVA in March 2018 and its was satisfied in 2023 and removed from my credit files this month. 

Both Experian and Equifax reports are fine as I sent a lot of debtors to get updated default dates to match start of the IVA.  

Today I have checked my credit file for TransUnion and there is a default on there, registered in 2020 and updated as settle in 2022.

the name of the company is IFA Finance Designated Activity Company

- it states its a fixed term deferred payment loan.

Date of default 2020 when I was actually in my IVA.

All my debts were included in the IVA and I have definitely not received any letters about this alleged account or I would have panicked and rang the IVA practitioner.

I have googled IFA Finance but cannot find anything concrete about this company at all.

Can anyone help or advise, it shouldn't be on my credit file.

Thank you.

Joanne

 

 

 

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you did an IVA in scotland??????

  • ifa Finance Designated Activity Company has 1 shareholder. This Irish company shares its Eircode with at least 12 other companies. Mr McMahon is a Company Director of Ifa Finance Designated Activity Company since 2019 and a listed Director of 2 other companies.
  •  
were they you IVA provider? looks like it
 
something funky here going on.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The IVA was in England with StepChange.

i have no idea what this default as I’ve never checked TU before it’s not on the others. It’s literally been added and settled whilst my IVA was active.

 

where do I even start ?

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  • dx100uk changed the title to Default appeared on TransUnion report during my IVA

well they are an Irish company so what have you to do with ireland?

is this a D in the calendar section or a registered defaulted date in the summary.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I

IFA FINANCE DESIGNATED ACTIVITY COMPANYACTIVE

Financial services


Incorporated:

2017-01-10

Company type-
Investor:

1 Investors
View all investors »

Registration Number

IE596118

SIC Classification:

Financial intermediation not elsewhere classified (64999)

Security and commodity contracts dealing activities (66120)

Activities auxiliary to financial intermediation n.e.c. (66190)

Industry:

Financial services
Security brokers
Finance & Insurance
Insurance Agencies & Brokerages
Commodity trade
Retail
Brokers
Other Financial Services
Securities Brokerages

Description:

Based at TALENT GARDEN BUILDING, Ireland, IFA FINANCE DESIGNATED ACTIVITY COMPANY is a None company that is listed as Active. The company has 3 employees. IFA FINANCE DESIGNATED ACTIVITY COMPANY began trading on 10 January 2017 and their registration number is IE596118. IFA FINANCE DESIGNATED ACTIVITY COMPANY’s main business enterprise is F. IFA FINANCE DESIGNATED ACTIVITY COMPANY’s latest confirmation statements were submitted on 2020-12-31 and state that there are 100.0 directors.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Its showing D's in all the months then a Default date February 2020 and a settled date May 2022. 

Never dealt with an Irish company that I have ever been aware of either...plus all my debts were included in the IVA which started in 2018 surely I would have been getting letters if I had missed something.

Thank you for providing that address info, is there anything specific I need to request from them,

Ive had another look and the date showing as started was 2012!

Defaulted 2020.

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probably bogus

go on the TU site and dispute it with them their data is wrong.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to Unknown 2012 Loan + Registered 2020 Default from IFA Finance Designated Activity Company registered 2020 on my TransUnion Credit File

thread title updated

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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