Thankyou Andy. It has now been 6 years since IVA started so IVA should drop of credit file this month. IVA started 2008 i was just concerned as the default dadatos 2012 so in affect will affect credit until 2018 which to me sounds unfair. letter posted will keep everyone updated.

Ok thanks. Does this sound ok. dear Jakob on checking my credit files I notice lloyds banking group asset finance have a default registered against myself dated 30.08.2012 as you will be aware this particular debt was included in the IVA I entered and completed. It is my understanding the default date should be no later than when the IVA started. Please address this matter with urgency I look forward to your reply yours me

Thankyou for that I will keep you posted on outcome. Do you think I can ask for some form of compensation??

The company was Lloyds banking group asset finance. It's really annoying!! Having been through the IVA for 5 years and now it's dropped of file thought we could build up credit file again. To me this looks deliberate as to mess up file for further 4 years.

The debt was included in IVA, we checked all 3 Equifax experian and noodle. It is on all 3. I can't find who to complain to. Can I name the company on here?

Who should I contact? Can I make a complaint to anyone?

Hello I hope someone can help me. My partner entered an IVA 6 years ago paid everything that was asked and got completion certificate. The IVA started Oct 2008 Wanting to check their credit file we notice one of the companies listed in IVA has put a default date of 2012. my question is can they do this? I thought it would come under the IVA or defaulted back in 2008!? thankyou for reading and helping if you can.

Well 3 points or prison time:jaw: i got soap if u need some......... bloody cameras nasty things luckily they all turned off in my area:lol:

Yea you dont want to get to 9! Easy way......... dont speed or jump red lights:-D or if u do dont get caught.

Hi you will get 3 points £60 fine, if you have not done it before then you might get the chance to go to one of there driver awareness courses then you wont get points and fine. Hope this helps.

I didnt want to say yes incase they ask loads of questions. Do u think i should come clean when they send all they send all the forms for me to fill in?

Thankyou. Finally i decided not to go with the bank.instead i went with my building society. Experian score off 779 wasnt confident. Well passed the credit check i think and process has began. But i have a question. I told them i have never owned house so im first time buyer. Now i had a house repossessed approx 11/12 years ago will they be able to detect this? Will they no iv had a house b4? And can they find out about the repo? My credit file is clear. Many thanks again

hi dx so do you think i should continue with application or ot

i really dont want 24k rearing his head again

they knew where i was from 2000-2003. from 2003 they wouldnt know as wasnt on electorol register, surname has always stayed same. the debt was 24k the court ordered me to pay £20 a month but i wasnt in the right frame of mind to pay anything back then. they didnt even chase me when they knew where i was. i know they have probably sold the debt on many times but its the records they keep im worried about. if they do the full application and it goes to there underwriters will they twig???????????