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    • Hi Bankfodder i have worked out the interest at 8% on 50% of the payments i have made, but for ease i worked out the 8% from the end of each financial year.  these are as follows Actual Charge for 2 properties divided by 2   annual interest on amount owed (8%) daily interest number of days funds are owed total interest £114.40   £9.15 £0.03 3651.00 £91.54 £302.20   £24.18 £0.07 3286.00 £217.65 £265.51   £21.24 £0.06 2921.00 £169.98 £215.26   £17.22 £0.05 2555.00 £120.54 £229.52   £18.36 £0.05 2190.00 £110.17 £248.09   £19.85 £0.05 1825.00 £99.23 £264.23   £21.14 £0.06 1460.00 £84.55 £256.48   £20.52 £0.06 1094.00 £61.50 £315.19   £25.21 £0.07 729.00 £50.36 £264.41   £21.15 £0.06 364.00 £21.09 £226.84   £18.15 £0.05 -1.00 -£0.05 £2,702.09         £1,026.57   Total 50% of charged usage plus interest at 8% for each year owed   £3,728.66      
    • its means you gotta await the court hearing listed then you might get a vote to enrol on a scheme whereby you might get 'something' back. bottom line is they've gone bust the liquidators see little assets to shareout. and want to spread them as thinly as possible.   same as what happened with the CPP PPI debacle. £100's in you get pennies out.
    • Hi,   Sorry, I was working off my mobile  but managed to do it (now attached).   Just wondered what next ?  Is this a standard response from them ?   Thanks   Katie ICL - Practice Statement Letter.pdf
    • 30% PPI is really high are you sure that's the PPI 3454.15 charged from the 1st statement or if from elsewhere without interest added?
    • Sorry for the delay getting back to you but had a very long day at the hospital with Drs and community mental health team sorting out the discharge today and care plan.   My son is in receipt of DLA higher rate personal care and lower rate of mobility. He does not have a blue badge.   The bailiff arrived my sons flat and my other son who stays at the property answered the door and explained that he was in the psychiatric hospital. He panicked as did not know what to do as bailiff was threatening to take the car and was insisting on payment even though he was told that he was in hospital was unwell and a vulnerable adult. Because he was so frightened by the bailiff he gave him his dads number who in turn gave him mine. The bailiff actually told me that he had spoken to his dad and that is how he obtained my telephone number.    I can also say that that I am certain that the notices you have mentioned would have been posted through the letterbox but the ill son would not have opened them. The reason being, which came to light today is that he was not aware that any fine was issued and this is because the other son was the offender in the first place and he was hiding the letters !    The plot thickens 🙁. In fact after today’s meetings my son is being placed on the adult safeguarding register as other things have come to light.    I will I’ll send my contact details via the email address you have mentioned, along with my sons details. All I have is email receipt of payment and reference number regarding this from Marston Holdings ltd which I will send to you as well.   Very kind regards and much very grateful for your time.
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Hi there,


I am currently in a 5 year IVA and completed 3 years so far


Appox 30% of IVA was payday loans and I am now seeing many ads from no win/no fee companies claiming that they can get back not only roll over interest but more compensation too?



Please can you advise if this is a good thing and also if its possible to do this while an iva is active?



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Nope. You can do it yourself without using ambulance chasers who want 30% of the reclaim. And if the reclaim isn't a good amount they'll tell you there's nothing to claim? Also did you go into the Iva without actually checking the debts first?


Sending Sars, cca requests etc.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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Thanks for the reply.

Yes I contacted PP and they guided me through the process but I was anxious at the time to get a deal in place so did not check items you mention.

Is it too late to do that?

I did mange to get some ppi back but that was offset against iva balance


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cancel or default on you IVA


read this guide




and also get CCA requests off to all the other debts inc in the IVA..


sorry you've probably been sc@mmed by everyone inc the IVa provider


tell us more of the story and about your other debts in the IvA



please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.



Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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