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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
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| | | | | | | Credit Reference Agencies Experian, Equifax, CallCredit etc | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
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To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
26th July 2008, 12:07
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#1 (permalink)
| | Basic Account Customer |  An IVA, defaults, all unlawful ??? Help please..
Hi everyone,
My story is that my wife and I entered into a full and final settlement IVA, whereby we settled around £30k of debt with £12.5k of family borrowed money which we are still paying back on an interest free and emotional basis! As you can imaging a pride swallowing experience!
- The original debt was made up of various credit cards namely, Capital One, Barclaycard, Egg, Halifax Credit Card, and two Halifax overdrafts among other things, but the above seem to be the only ones showing on the CRA files as ‘settled’ but all defaulted! And of course the IVA. In hindsight I would have had ‘no defaults’ built into the settlement.
- I am 95% sure that every one of these would have ‘unlawful’ charges added to the accounts which finally ended up in the IVA and then Defaulted.
a) Is a Subject Access Request request to each company the best way to establish if I have a case on ‘unfair charges'?
b) Is it better to just write to all three CRA and demand they substantiate there records and prove under no doubt that the information they hold is correct, or correct it. Let them do the work.
c) If it dose transpire that all the defaulted accounts were built up of unfair charges can I then claim therefore that not only are all the defaults to be removed but also our IVA was unlawful and should be removed as it was based on charges that were unlawful??
d) If the above is correct how is it best to go about this. And also whilst I think about it, claim some serious compensation. 
Any help or guidance on this would be greatly received. 
Many Thanks.
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28th July 2008, 23:50
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#2 (permalink)
| | Platinum Account Customer
I am in: West Midlands
Posts: 2,013
| Re: An IVA, defaults, all unlawful ??? Help please..
Bump | |
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30th July 2008, 08:55
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#4 (permalink)
| | Platinum Account Customer
I am in: West Midlands
Posts: 2,013
| Re: An IVA, defaults, all unlawful ??? Help please..
BRING
UP
MY
POST
Bump will move a post to the top of the list, preventing it disappearing, and enable a person with experience to answer, this link explains the reasoning and process. http://www.consumeractiongroup.co.uk...ml#post1323268
Andy | |
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2nd August 2008, 08:19
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#6 (permalink)
| | Site Team
I am in: Middle Earth! (But have been to other places)
Posts: 11,360
| Re: An IVA, defaults, all unlawful ??? Help please..
Thread moved to CRA forum where you may get more response. | |
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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