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Debt Action Group > Formal Solutions: Bankruptcy, Administration Orders and IVAs

Formal Solutions: Bankruptcy, Administration Orders and IVAs Advice on some of the formal debt management solutions


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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. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. 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

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Old 5th January 2007, 19:56   #1 (permalink)
thepcsaysno
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2006
Posts: 5
thepcsaysno Novitiate
Default reclaiming bank charges with iva

Hi all, is it possible to claim unfair bank charges if you have an IVA. We are seriousl looking down this route as Northern rock want to put a 3rd charge on our house from an unsecured loan we defaulted on as the interest rate went from 6% to 12.09% & there is no way we can afford another £90 a month having just come off the phone the lady then tells me that the call was recorded there was no previous mention of this whatsoever. Even there solictors give conflicting advice.
Regards
Andy
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Old 5th January 2007, 20:52   #2 (permalink)
MARTIN3030
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Default Re: reclaiming bank charges with iva

As I recall we have had a few claimants on the site who have had IVAs.
To be honest I have not personally had any dealings with any of them.
I think our mod Alanfromderby knows about this tho,unfortubnately he is not online at present.
For a quicker response I will move your post to Baliff and debt as I am sure that you will get an informed response from there.
__________________
Halifax ; First and easiest of the lot.
Royal Bank Scot; 1 done 1 stayed
Telewest Broadband.......Won ..after 2 bounced cheques and them running out of time.
Barclays Business;.1 won Round 2 limitation hearing.DEC 08
Citi Cards.Stayed;Stay lifted -hearing FEB09
Default removals;Rbs stayed
Virgin media; Judgement by default.
Vanquis;Looking for the hidden charges !
Swinton Insurance-LBA sent.

Please read up on posting.If in doubt-leave it out.


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Advice offered by MARTIN3030 is without predjudice and is for your judgement as to whether to take it.
You should seek the assistance or hire of a solicitor or other paid professional if in doubt ie; Cobbett Ltd.
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Old 5th January 2007, 21:20   #3 (permalink)
bottomburp
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Watch out, there are Claims Touts about!

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Join Date: Mar 2006
Posts: 714
bottomburp Highly informativebottomburp Highly informativebottomburp Highly informativebottomburp Highly informativebottomburp Highly informativebottomburp Highly informativebottomburp Highly informativebottomburp Highly informative
Default Re: Can I claim with my IVA ?

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Last edited by bottomburp; 19th January 2008 at 12:57.
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Old 5th January 2007, 23:33   #4 (permalink)
MARTIN3030
Site Team
 
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Default Re: Can I claim with my IVA ?

Well done bottomburp
__________________
Halifax ; First and easiest of the lot.
Royal Bank Scot; 1 done 1 stayed
Telewest Broadband.......Won ..after 2 bounced cheques and them running out of time.
Barclays Business;.1 won Round 2 limitation hearing.DEC 08
Citi Cards.Stayed;Stay lifted -hearing FEB09
Default removals;Rbs stayed
Virgin media; Judgement by default.
Vanquis;Looking for the hidden charges !
Swinton Insurance-LBA sent.

Please read up on posting.If in doubt-leave it out.


DONATIONS HELP US TO HELP YOU
However large or small all go to ensuring that the site can continue in its fight for consumers.You can make a donation by paypal here;http://www.consumeractiongroup.c o.uk/donate.html





Advice offered by MARTIN3030 is without predjudice and is for your judgement as to whether to take it.
You should seek the assistance or hire of a solicitor or other paid professional if in doubt ie; Cobbett Ltd.
MARTIN3030 is offline  
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