Claiming in a DMP/IVA (merged)

tasti26

please help me!! iv just entered into an iva and my old bank account was closed as part of it, but they kept charging me over and over again and this played a huge part in me getting into this mess in the first place, they even took charges when there wasnt enough money in my account causing more charges! can i get this back??

Debtboy_3

First time post here guys, please be gentle!

I have been paying back £206 a month to payplan for nearly 3 years now, i have paid back £6688 to date with £12188 still to pay.

If i move forward to claim back charges i will not be including my current bank account, as this is the account i set up when i started my payplan because i owed my previous bank money.

I still recieve credit card statements from the various creditors i defaulted with, so would i need to enclose a £10 cheque for each of the creditors i send a letter to?

The majority of creditors i pay each month have frozen interest on the accounts invloved, halifax which is owed £5000 offered me a reduced settlement figure of £2020 last month, as GREAT as that offer was i simply dont have the means to pay such a sum at once.

If i ask for bank charges to be reclaimed are most creditors likley to offer me reduced sums on the amounts i owe them or offer the charges back, deducting them from my current debts?

kopowl

I wonder if anybody can help me.

My wife and I have gone through last year with getting an IVA setup as we were in a proper mess.

I am looking at reclaiming charges (£1800) from Yorkshire Bank. I have 4 accounts with them, 2 are solely in my name and the other 2 are joint bank accounts with my wife.

I am unable to open another bank account with somebody else due to the IVA. If I claim the bank charges and win from the account that is in my name will Yorkshire Bank close all my accounts even the joint account, do they have the power to do that??

Any help would be great before I proceed with the claim

num1cabby

hi ,, could anyone help please ,,,, i was thinking about reclaiming all the late payment charges to my credit cards ,,, but the accounts are now closed as i have taken out an iva ,,, can i still claim the charges back ?? ,,,, thanks

pauline.mitchell_2

Hi,
I had an account with First Direct and fell into arrears and spent a year on a debt management plan. Then I paid them off. They made me pay all back, I think they knocked 33 pounds off. That was a year ago. Can I claim back all my unlawful bank charges from them, eventhough the a/c is now closed and I was on the debt management plan. This is my first post. Please advise. Thank you in advance.
Pauline.

deedee2665

yes you can claim on closed accounts and even if it was with a debt managment plan

System

Anyone got any experience of this?

Defaulted on an MBNA credit card last year and they've since assigned the debt to a third party.

Can I still recover the charges?

(apologies if this has been asked loads of times before, first time on this board )

Rooman

Hi,

New to all this. I just wanted to know if I could reclaim my charges on accounts (bank & credit) that have been closed for 2 or more years. I had to do an IVA so the accounts were forced closures. At the time 3 1/2 years ago I incurred many charges.

Can anyone shed light on this for me??

Thanks.

PS. At the end of IVA all the accounts were showed as Settled. Does that reflect on my reclaim?

Miss_Neo

Hiya.

Check the DMP/IVA link.
x

pauline.mitchell_2

Thanks for that.