completed IVA can I still claim back>?

skiwil

Hello

I have succsfully completed an IVA earlier this year and all monies have been paid out etc etc and I am no longer iin debt.

My question is can I still claim back my bacnk charges?

I have written to all of my lenders and in total im owed about £3000 from it.

The IVA was a legal agreement between myself and the creditors which has now been completed.

I have had a letter back from mint saying that they will refund me £29 against my account becuase I owed them money..

My point is that once the IVA was legally agreed and completed i no longer owe them money and should be able to re-claim this money..

I understand if I was in my IVA then it would be classed as a windfall.. but the IVA is complete and legally i owe no one anything.. so surely im withing my rights to re-claim this money?!??
Am I barking up the wrong tree here, or do I tell mint to jump and give me my full allowance back to me.

thanks in advance for all your help.

natweststaffmember

skiwil wrote: »

Hello

I have succsfully completed an IVA earlier this year and all monies have been paid out etc etc and I am no longer iin debt.

My question is can I still claim back my bacnk charges?

I have written to all of my lenders and in total im owed about £3000 from it.

The IVA was a legal agreement between myself and the creditors which has now been completed.

I have had a letter back from mint saying that they will refund me £29 against my account becuase I owed them money..

My point is that once the IVA was legally agreed and completed i no longer owe them money and should be able to re-claim this money..

I understand if I was in my IVA then it would be classed as a windfall.. but the IVA is complete and legally i owe no one anything.. so surely im withing my rights to re-claim this money?!??
Am I barking up the wrong tree here, or do I tell mint to jump and give me my full allowance back to me.

thanks in advance for all your help.

Was all monies paid off? What I mean is that were they paid in full or was a settlement of the accounts offered and then taken so you didn't pay off 100% of the total monies owed?

skiwil

natweststaffmember wrote: »

Was all monies paid off? What I mean is that were they paid in full or was a settlement of the accounts offered and then taken so you didn't pay off 100% of the total monies owed?

It was a full and final settlement of all monies owed. worked out at about 60p per £1

natweststaffmember

skiwil wrote: »

It was a full and final settlement of all monies owed. worked out at about 60p per £1

If you go back for the charges then they have the right to offset any monies owed against what was settled as they would have written an amount off.