Just found this on moneysavings expert , has anybody tried doing this??????:?

hello Has Berwick Filed An Appeal Yet???

But have numerous smaller creditors (credit cards) where i intend keeping claims to less than 500 pounds even if there is more than £500 worth of charges . can anyone tell me if this is a good idea as i dont want everything goingto the creditors when they helped cause this in the first place .

Hi Lorry Spoke to my IVA PROVIDER yesterday and they hae told me it is classed as a windfall , check the details in your proposal as it states how much a windfall is , mine says anything over £500 is a windfall .if it is over this then ALL 100% of it goes to the IVA . bad news i know for me as my claim is for over £10000 AND IT ALL GOES TO THE IVAand doesnt reduce the term of the iva or monthly payment , just means more for the creditors will give more info later

Thanks I Will Also Keep In Touch If Anyone Gives Me More Info

IS THERE ANYONE ELSE HERE WHO IS CLAIMING BACK THERE BANK CHARGES WHILE BEING IN AN IVA . I WOULD LIKE TO KNOW HOW THEY ARE GETTING ON . PLEASE REPLY THANKS

thank you very much i will speak to them

HI EVERYONE i HAVE BEEN READING VARIOUS THREADS FOR A COUPLE OF WEEKS NOW , AND HAVE RECEIVED ALL MY STATEMENTS FROM HALIFAX/BANK OF SCOTLAND . THE CHARGES TOTAL AROUND £10000 , PROBLEM IS I AM NOW IN AN IVA AND WOULD LIKE TO KNOW HOW THIS AFFECTS ME, CAN I HAVE THE CHARGES BACK WILL IT ALL GO TO THE IVA WILL I RECEIVE SOME OF THE CHARGES IF I WIN THE BANK IS INCLUDED IN MY IVA TO THE SUM OF ABOUT £4000 SO IM ASSUMING THIS WOULD BE TAKEN FROM ANY CLAIM I GET. THESE CHARGES ARE ONE OF THE REASONS I AM IN AN IVA AS OVER THREE MONTHS I WAS HIT WITH £2500 BANK CHARGES WHICH SNOWBALLED FROM THERE . I WOULD APPRECIATE IT IF SOMEONE COULD GIVE ME SOME ADVICE.

Thank You

HI EVERYONE i HAVE BEEN READING VARIOUS THREADS FOR A COUPLE OF WEEKS NOW , AND HAVE RECEIVED ALL MY STATEMENTS FROM HALIFAX/BANK OF SCOTLAND . THE CHARGES TOTAL AROUND £10000 , PROBLEM IS I AM NOW IN AN IVA AND WOULD LIKE TO KNOW HOW THIS AFFECTS ME, CAN I HAVE THE CHARGES BACK WILL IT ALL GO TO THE IVA WILL I RECEIVE SOME OF THE CHARGES IF I WIN THE BANK IS INCLUDED IN MY IVA TO THE SUM OF ABOUT £4000 SO IM ASSUMING THIS WOULD BE TAKEN FROM ANY CLAIM I GET. THESE CHARGES ARE ONE OF THE REASONS I AM IN AN IVA AS OVER THREE MONTHS I WAS HIT WITH £2500 BANK CHARGES WHICH SNOWBALLED FROM THERE . I WOULD APPRECIATE IT IF SOMEONE COULD GIVE ME SOME ADVICE.

HI EVERYONE i HAVE BEEN READING VARIOUS THREADS FOR A COUPLE OF WEEKS NOW , AND HAVE RECEIVED ALL MY STATEMENTS FROM HALIFAX/BANK OF SCOTLAND . THE CHARGES TOTAL AROUND £10000 , PROBLEM IS I AM NOW IN AN IVA AND WOULD LIKE TO KNOW HOW THIS AFFECTS ME, CAN I HAVE THE CHARGES BACK WILL IT ALL GO TO THE IVA WILL I RECEIVE SOME OF THE CHARGES IF I WIN THE BANK IS INCLUDED IN MY IVA TO THE SUM OF ABOUT £4000 SO IM ASSUMING THIS WOULD BE TAKEN FROM ANY CLAIM I GET. THESE CHARGES ARE ONE OF THE REASONS I AM IN AN IVA AS OVER THREE MONTHS I WAS HIT WITH £2500 BANK CHARGES WHICH SNOWBALLED FROM THERE . I WOULD APPRECIATE IT IF SOMEONE COULD GIVE ME SOME ADVICE.

HI EVERYONE i HAVE BEEN READING VARIOUS THREADS FOR A COUPLE OF WEEKS NOW , AND HAVE RECEIVED ALL MY STATEMENTS FROM HALIFAX/BANK OF SCOTLAND . THE CHARGES TOTAL AROUND £10000 , PROBLEM IS I AM NOW IN AN IVA AND WOULD LIKE TO KNOW HOW THIS AFFECTS ME, CAN I HAVE THE CHARGES BACK WILL IT ALL GO TO THE IVA WILL I RECEIVE SOME OF THE CHARGES IF I WIN THE BANK IS INCLUDED IN MY IVA TO THE SUM OF ABOUT £4000 SO IM ASSUMING THIS WOULD BE TAKEN FROM ANY CLAIM I GET. THESE CHARGES ARE ONE OF THE REASONS I AM IN AN IVA AS OVER THREE MONTHS I WAS HIT WITH £2500 BANK CHARGES WHICH SNOWBALLED FROM THERE . I WOULD APPRECIATE IT IF SOMEONE COULD GIVE ME SOME ADVICE.