Climing Credit Card Charges Even If Been In An IVA?

crazyfox8379

Hi can anyone help? I was previously in an IVA and offered a cash some to settle early and this was accepted and have now since been cleared so can anyone tell me if i can still claim unfair Credit Card charges from before my IVA started?

natweststaffmember

crazyfox8379 wrote: »

Hi can anyone help? I was previously in an IVA and offered a cash some to settle early and this was accepted and have now since been cleared so can anyone tell me if i can still claim unfair Credit Card charges from before my IVA started?

If they have settled the accounts and any amounts were written off then they could offset them against the debts owed. Honestly if the amount is lower than the amount written off then leave it be,

crazyfox8379

would it make any difference if the credit card company had sold the dept to a recovery agency?

natweststaffmember

None whatsoever.

crazyfox8379

I have found out that you can legally claim no matter if you were in an IVA or not.

crazyfox8379

Found out today that there is nothing stopping you from claiming back caharges from loans and credit cards that were part of an IVA and all funds will be paid directly to yourself, claim forms going out in the post pronto!!

natweststaffmember

crazyfox8379 wrote: »

I have found out that you can legally claim no matter if you were in an IVA or not.

Who from?.................

natweststaffmember

crazyfox8379 wrote: »

Found out today that there is nothing stopping you from claiming back caharges from loans and credit cards that were part of an IVA and all funds will be paid directly to yourself, claim forms going out in the post pronto!!

From whom?
I would say that the credit card company have every right to offset any reclaim against monies written off. You cannot simply change history and have the benefit of it(I hope that makes sense).

the_insider

Where have you got this information from? I find it hard to believe that the bank's will give you money if you're in an IVA, they may refund charges to reduce the balance, but this is to minimise their loss, not to benefit you.

natweststaffmember

the_insider wrote: »

Where have you got this information from? I find it hard to believe that the bank's will give you money if you're in an IVA, they may refund charges to reduce the balance, but this is to minimise their loss, not to benefit you.

The only benefit WOULD be if the amount of the charges are higher than the amount written off as a result of the IVA. Otherwise there is no point to pursuing it imho.

davidgmmafan

I would agree with natweststaff memeber and believe the courts and FOS etc would have little truck with people trying the above. I think this would be relaiming going too fas and I'm totally against the banks.