I am hoping that you can give me some information about my credit file.
I was under an IVA arrangement for a number of years. This completed a while ago and I received a certificate of satisfaction in December 2014. I was hoping that I could now rebuild my credit file but it seems that a company named PCO have decided to register the default NOW, even though the date of the default was 04/10/2009.
Now I have searched around a bit and it seems the have a habit of doing this and are a bit of a pain getting to remove it. What I am hoping is that, as the default date is 04/10/2009 then on 04/10/15, which is 6 years after the default date, this just 'disappears'.
Can you please confirm that this is true and that it will be gone on 04/10/15? Can you also let me know if there is anyway I can remove it?