Thankyou. There doesn't seem to be anything on there that shouldn't be other than still having my late husband as an associated name so I've emailed them about that. All is well

No, actually you've reminded me..thankyou.I meant to do that. *done! Ordered

I wanted a time limit. I knew someone who had an IVA and they were happy with how it was all going and what research I did attracted me to them. I also paid less monthly than on the debt plan which at the time was a major draw. I just wanted to be able to see a time when it was all over whilst having been responsible enough to pay back a decent portion of our debts. It's been finished a year next month and I think it was one of the best things I could've done..!

Sorry, I didn't see this as I started my own thread then was advised that as it was an IVA there was no point in trying. Just to answer you though, I can't remember ever being asked whether I wanted to continue or not, I was given a list of amounts one for each year of the iva. ..the iva payments increased slightly each year too, I think they did explain it at the time but grief really does addle the brain. .theres alot I don't remember about the first few years! To be honest, I think it was impossible for my (our) debt to rise any more than it was so I feel very lucky to have paid as little as I did and am not going to complain about not being able to reclaim as I thought Thankyou so much for being willing to help though, it's much appreciated.

Ok, thanks for your input. I have no problems taking responsibility for my (our) debts..they were definitely legit, I couldn't afford enough to even touch the overinflated interest etc so I ended up paying alot less than I would've on a never ending Debt management plan. Again, thankyou, the help is much appreciated.

Oh Poo...lol even if they shouldn't have been asking me for it? Ah well. At least I checked and didn't miss something I should have had, Thanks for reading and helping! Much appreciated

I opened a CAG email tonight which contained info about the Payplan cover my payments possibly being PPI. I called payplan in 2008 when my husband died suddenly. We had quite alot of debt that we'd already started repaying together on our own but unfortunately it was in my name. Payplan were great and put me on a debt management plan but I must've been paying the cover me payments fairly soon as when I eventually could cope with the thought of an IVA I got a letter changing the payments from debt management to IVA. I haven't any of the cover me info now, just a few letters and the amounts I'd be paying over the 6 years of the IVA. I only thought to keep the IVA info. I'm questioning paying this now as I can recognise that I wouldn't have been able to properly understand any implications at the time. .I remember struggling to handle the most basic money conversation at the time, I think I would've said yes to anything if it was advised due to my situation. What also bothers me is that the scheme was discontinued in 2014? Shouldn't I have been stopped from paying then? I have a letter in 2016 saying my cover was now cancelled due to the IVA ending. Lastly, at the end of my IVA I was asked to sign a form about any monies from PPI claims needing to be paid to creditors. During my IVA I was told I had to claim any PPI through a company they use and the money would be used to pay creditors. .this has been ongoing for years and is still ongoing. .nothing has ever really come from it, luckily I had reclaimed lloyds overdraft charges before any of this. I'm fairly sure sure the letter states specifically about the creditors and doesn't cover future claims so would I be right in thinking this is a non issue regarding a possible cover me claim? I've been advised already to send an SAR (?) which I'll do but any other reclaim help would be much appreciated..I know I've done it before but that was likely 10 years ago!! I feel much more intimidated this time round. Thankyou so much

Thankyou, I'll do it asap. I reclaimed from lloyds successfully many moons ago but my brain seems to have gone to mush.

Hi, I was with payplan til April 2016, for 6 years, and was paying this. I need to look out my information but I paid a set monthly amount that increased very slightly each year so I'm not sure if that counts as variable. What I do wonder though is if it was discontinued in 2014, why was I not told and was still paying for another two years! Would someone mind pointing me in the direction of a step by step reclaim please? I'll email them with the polite request first but if this is something I shouldn't have paid then I want it back! Thankyou

Well, It is time for an update. After taking a bit of advice and deciding to go down the small claims road, it being a quicker and more straight forward route, on the 14th Feb my husband very suddenly passed away. I took advice myself from the CAB on whether I could still proceed and it was decided to go to the employment tribunal for the wages and not bothering to claim for any other losses. They accepted my claim, my husbands employer just about got any responses in with hours to spare, even sending me a cheque for half the amount the day before the hearing. After sitting for 3 hours waiting for the case to be heard, the employers rep decided he couldn't wait any longer and managed to get the hearing postponed until July! So now my situation is this, I have a cheque for just over half the original amount offered as full and final settlement.The employer is arguing that my husband worked less days than claimed as the agency sent the invoice dated from the week after he started, i have no proof of exact days worked except the fact that the employer wrote him a cheque for an amount that corresponds with the claimed amount of days (and i have that cheque as it bounced and was returned to my husband) When he wrote the cheque,the amount has been worked out down to the pence.( and to be honest, if you're going to sack someone you don't write a cheque for a weeks more money than you need to do you.) I want to go through with the claim for the full amount as, apart from the money, I want to hear what the judges opinion is. Its quite obvious that this guy is taking the mickey.He also knows that my husband died and has not communicated with me once throughout the 12 weeks.He must also know how emotional it is to have this dragged out for so long. Does anyone know if I can accept this cheque as part payment only or shall I just return it and say I'd rather wait for the hearing? Would accepting it as part payment have any implications at the tribunal? The money does matter but like I said I want a judgement so that I know I've done all I can for my husband. Any advice will be welcome and I will also talk to the CAB again but am interested to hear your thoughts. Many thanks, Ladybette Advice today (mon 12th)suggests that I may have problems if I should accept the cheque even as part payment, so back it goes tomorrow!

Thanks everyone, I think its probably best to contact the CAB. I will update when I have news!

Thanks grizzleguts but I think maybe I wasn't clear enough, my husband got the job through an agency,but he wasn't working for the agency so they have no responsibility for his wages, pay slips etc. Thats all down to whoever hires him, Thanks for the input though, its much appreciated:)

Hi, Thanks for looking, I hope you can help, any I get will be gratefully received. I'll try not to ramble! My Husband started a new job at the beginning of Dec, working up to and including xmas eve and then went back to work on the 27th after having xmas and boxing days off (no other days off since he started). He was then told on the 27th that he was no longer required (no reason given, just 'not suitable') but would be paid for the month and was given a cheque which he immediately paid into the bank. He was employed as permanent although contracts had not yet been given, and had got the job through an agency (the agency says that there was a verbal agreement between them and him and this is binding) A few days into January we received the cheque back from the bank, it had been stopped. We checked with the bank and they confirmed that it was nothing to do with funds/ bank but actually had been stopped by the account holder/accountant/employer ( not sure who exactly). My husband tried to call but has not been able to speak directly to this guy, The agency has not had any luck either and we don't think its advisable to visit him in person! On advice from a friend and also a legal helpline, we have written to him giving him 28 days to pay before we start going down the small claims route. It is now almost the 28 days ( in a week or so) and we were hoping that anyone might advise on filling in the paperwork for the claim? I have only experience of small claims from reclaiming bank charges and all the POC's were given in a template, this is the bit I am worried about.. what on earth do we write? We want to claim for the original amount but also the claim costs and is it possible to claim for interest and also charges that we have incurred due to the money not clearing? That money was a months worth of bills that didn't get paid, including our rent, and we 've had at least £100 worth of charges because of all this. I know that the claims have to be worded just right and it scares me to death as I just have no clue what to put, whether I need to quote laws or acts or whatever! will the clerks at the court help us phrase things correctly? Surely we can't just go with blank forms and expect them to word it all? Now I'm rambling! sorry. Thanks in advance for any help

Thanks rory32, does that mean we now hold on til the 30 days are up and see what happens?

Ok, an update, Any advice will be much appreciated! I sent off the CCA request adding in a bit asking for the statement of account, included the £1 postal order and the 12+2 days are up today. However, my husband had a letter yesterday (dated a week ago) from the dca's pre litigation section saying that as they've had no response from hubby they may now pass this to a field agent and can he call them! They have signed for the CCA request, I've checked and have proof so maybe the letters have somehow crossed so I'm not worried (they signed for the CCA request a week before this other letter was sent) but what I'd like to know is: Do we phone them and query the letter? Or, are we now in a good position to offer a smaller settlement, say 10%? Am I right in thinking that the debt should be unenforcable for as long as they don't provide the agreement? We want to have the debt settled to get it off my husbands credit file but also as we don't want it hanging over our heads, plus there's always the chance that they could apply for a ccj in the future and that WILL be enforceable. Or, do we just ignore the letter and wait until the 30 days are up and then... what? Thanks for any advice! P.S thanks to n.p, it did help I'm just not comfortable without a proper 'end', plus I do feel that if he's borrowed the money, he should at least pay some of it back!

Thanks everyone, will update soon!

Thanks, Just what I needed to know. Am I right in thinking that I don't need to go the SAR route just yet? If I send the CCA request and ask for a statement of account first and see what they say/do as I have no details of the original creditor. Hubby is lovely but useless with money and we've have a bit of a head in the sand situation! Thanks again.

Hi Everyone, I've been living over on the bank reclaiming section and have now decided to tackle a debt of my husbands. He had a letter from a DCA quite a while ago, He has eventually acknowledged the debt and told them he can afford just a small payment each month.The debt originally was £1000 I think, now £1700. He has no copy of any agreement or demands sent to him except a letter yesterday offering to settle at 80%, we can't afford to do this though. We are happy to honour the debt but I want to know where we stand and exactly what we are paying, especially after reading that someone else was paying a little each month thinking that they were paying the debt but it just got bigger! I would like a copy of the original agreement and a breakdown of charges and/or interest since the beginning, I have found the template letter asking for the agreement within 12 days but how do i ask for the rest? Is that an SAR request? It isn't a bank and the letter doesn't seem to fit the situation. Can I just ask for these details on the end of the other letter and do I include a cheque for the £10 as well as the £1? I'd preferably like to stop the interest as well but this seems to be yet another letter! Any help will be thankfully received!

In the Mail on Sunday today there is an article saying that with this test case started "the financial services authority has agreed that the banks can suspend the handling of complaints until a result is acheived", and this could take months. Basically the artcle says that "complaints will now go no further until there is a ruling. Any cases due to go to the small claims court will no longer do so and you have to now wait for the ruling before you can go any further". Has anyone else seen this? And am I understanding this correctly? I've been very lucky as I have just got all of my fees back but there was a bit more that i was going to claim for and I have just sent off the prelim letter but now I guess I have to wait to finish off the claim!

I certainly will! Have been shopping already;) Thanks again for the advice.

Well Everyone, The money has appeared in my account so I have officially Won !! Could someone change my thread title or can I do that? Anyway, Thanks to anyone who personally advised me and Thanks to the site in general as I picked up so much info just by reading everyone elses advise. I'll be visiting the donation section shortly! Now I'm off to start a new claim so I'm sure there will be more questions soon.

Thanks! I''ll wait til I have my hands on the cash before I get too excited!

Oh good, thanks, Am going to send a letter accepting an unconditional offer that I found a link to, so not long to wait I hope!

Thankyou! Will Call [problem] on Monday. Will crossing things off not affect the settlement? Can they change their minds?

Well! Good News! I had a letter from [problem] today Which surprised me as I only had one the other day, Anyway, Its a long 2 page job with the first page marked "strictly without prejudice and confidential" and then it rabbits on giving me 5 points as to why Lloyds are defending my claim (its not a penalty and my claim is misconceived etc) At the bottom theres a paragraph about Lloyds discussing the legal basis for claims with the OFT and then what I read as them giving in because of legal costs so when I turn to page 2 they're suddenly offering ALL my money back + interest + costs! :o and I have questions though if someone legalish could advise please? Like alot of people, I have some terms and conditions to agree to. Most I'm happy to but there are one or too that I don't think I should have to. Can I just put a line through any and sign or will it affect the settlement? I assume full and final settlement of the claim means this claim only? My claim only went to april so theres a bit more I'd like to try and get off them up to july in a 2nd claim. also, they have listed what they are repaying me but then have got the toal wrong, do I just amend that in pen? And Finally (possibly!) I haven't had notice to Track yet (if thats what its called?) and so haven't paid the £100, Lambeth is a bit bogged down, Lloyds have included this in the amount though, I should check with the court? Any help gratefully received!! Thankyou