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???????????

nice and helpful then lol:lol: maybe it would be best to kick the advisor and go somewhere else??????

so what would you suggest? would they not have twigged when they did there first credit search?

hi i have a question if anybody is able to help i would be most grateful. Money owed to a major bank £24k this was year 2000 ccj was granted, now i have heard nothing since 2003, nothing on credit files or ccj register. i approached a mortgage advisor as i thought my credit wasnt to bad now but i told theml under no circumstances to go to this bank, left it in their hands, she phoned me back 4 hours later and said she had a offer in principle from this bank!!!!!!! now my question is will the bank know it is me? and has this opened up a can of worms. should i stop her from doing full application tommorow? will they still have my records 13 years later. alittle bit stressed now!! could kill mortage advisors why didnt they listen to me. thankyou sorry if this is wrong place.

ok thankyou sorry if i am dim! just worried. will keep updating if they continue to pursue me. thanks again

the only stuff on my credit file is my bank account i have now and my credit card. even the gone away records shows 0

there is nothing at all on my credit file with experian or call credit or equifax. no debts at all.

Update. Letter recieved today from drydensfairfax We acknowledge receipt of your letter dated xxxxx and we note all your comments. As a result of your letter we have contacted our client to clarify the current position and seek their further instructions.we will write to you further once they have responded. We confirm that in the meantime the matter is on hold. We trust this resolves any immediate concern. What happens next? There client on top of letter is max recovery but that wasnt who i owed money to it was a mainstream bank. Thankyou in advance im still worried.

thankyou. 1 quick question by just speaking to them on phone have i just started the 6 year clock again? i didnt admit debt just told them my address and d.o.b. im really worried now sorry for keep posting

im worried now!! i didnt admit debt on phone i said i didnt owe anyone any money.

letter typed and will send off tomorrow, am i right in thinking i do not sign letter at the bottom i have just but mrs xxxxxxxx