Claiming in a DMP/IVA (merged)

LATHMEISTER_2

many thanks for your answers ???????????????????????????????????????

Chopsie67

Hello All,

I am in the process of claiming £860.00 from LTSB whom i no longer bank with and have sent the 3rd letter giving them 14 days before court action as per this website etc.

Doe's anybody have any advice to give me because as I am in Debt Management with a few companies including LTSB and will be debt free in 2008.

If LTSB do pay out any monies would it be paid to me or will it go elsewhere?

I am willing to take it to court to fight it.

Help and advice needed.

Thanks...... Lisa

bectoria_2

Have a look through this thread, there are many people on DMPs that have successfully claimed there charges back with no effect on their DMP.

Most companies will pay the amount claimed off your outstanding balance, although I have found if you ask them to send a cheque instead they do and the money can then be spread between all creditors.

everclear1973_2

Hi,as my previous post,i'm only slightly concerned because our mortgage is with abbey as well,if we got the money back that would pay back the abbey account and have some left over.I just want someone to give some advice that abbey can't then get funny about the mortgage after claiming our bank charges back,please!

everclear1973_2

Anyone?

Edinburghlass_2

Provided your mortgage account is in good order it should be okay as it is a different agreement from your current account.

wendy_woo_6

hi can any one help we have gone through a debt mangerment progam with our credit cards.

can you let me know if i can claim back my charges and what charges can i claim an who the money would go to.

picklelily

Hi,

I have just recently got my charges back from Nationwide thanks to this brilliant website so I am now ready to claim back charges from my account with Lloyds TSB!! My problem is this account was closed back in 2005 due to us doing an IVA. We had an overdraft on this account and we went over it and got endless charges. This account was then taken into our IVA. My question is can I still claim for my bank charges although the account is closed? Also as we are in an IVA can we still claim and if so would the money go straight to the IVA?

TIA,

Jackie.

kneebs

I AM CURRENTLY JUST UNDER A YEAR INTO A FIVE YEAR IVA, I NO LONGER HAVE MY BANK ACCOUNT WITH NATWEST OR EGG BUT I WISH TO CLAIM BACK THE BANK CHARGES.....
IS THIS POSSIBLE???
I DONT WANT TO START SENDING LETTERS OUT ECT IF THERE IS NO POINT. THANKS VERY MUCH..
ALSO IVE HEARD THAT ALL CLAIMS MUST BE IN BY THE END OF THIS MONTH IS THAT TRUE?? PLEASE HELP ME.
KNEEBS

Edinburghlass_2

As the above posts you can claim while in an IVA/DMP but it is likely any monies reclaimed will be put towards any debt or closed accounts but this will of course reduce the debt you owe.