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Claiming in a DMP/IVA (merged)
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I have had a Barclays account for circa 8 years and would like to take a look at reclaiming my charges.
Trouble is I'm in debt to them through defaulting on barclayloans (now in the hands of their recovery unit) for circa £16K. I'm on a DMP with the CCCS.
Can I still write and potentially request a reclaim? It would be great if I can put any payment from them towards my debts with them.
Thanks in advance.0 -
Yes, you can still claim.
If there is an outstanding debt with them and that debt is not covered by a separate contract, the bank or credit card company involved can and will offset any monies reclaimed against that debt.
I believe that loans would probably be under a separate contract. Therefore, they should pay any monies into your normal account. However, if they do "try it on" and pay it into the loan account, they are just saving you the bother of transferring it! (Don't tell them that, though!)
Please read the Reclaim Bank Charges Help thread for information and the Reclaimed Bank Charges Success Stories and Reclaimed Bank Charges Success Stories II threads for inspiration.
By the way, all due respect to you for your attitude towards putting your "winnings" towards your debt. I am afraid that I do have a low patience threshold when people moan that they cannot have a cheque to "blow" whilst leaving their debt the same!The acquisition of wealth is no longer the driving force in my life.0 -
Thanks for your comment SL - 'bout time I got my !!!! into gear and wrote to them in that case.
Thanks again.0 -
I have a dmp with the CCCS. I rang them to ask if it would be ok to claim charges from RBS. They were all for me trying. I am glad i did. The RBS have agreed to refund £2239.00. This will help to reduce the amount i owe them, which was my intention in the first place. I did'nt even have to go through the court process with them. What have you go to lose? This has given me the courage to carry on with claiming from others'.
As a courtesy let the CCCS know as the above poster has done. If you look back through this thread you'll find the answer Martin received from CCCS top man when he asked about reclaiming while in a DMP/IVA.0 -
ms newbie, i got the same letter as your husband. I must admit it took nearly 8 weeks to get an offer from them. Give them a ring on 0131 523 3245 they will let you know what stage they are with your claim. HOPE THIS HELPS, GOOD LUCK.0
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I'm on a DMP with CCCs and have been paying into this since last October. When I defaulted on my personal loan (£5,000) the bank decided to add more than £2,500 in bank charges!! At the time I was so exhausted and didn't really pursue the matter. However, I'm now really angry and was wondering if I can do something about it?
regards
LDebt 28/12/06 £26,467
£20 grocery challenge per week
Savings £400
£2 coins - £8.00
DMP £357 pcm (CCCs) commenced 1/10/06
DFD :think: proud to be dealing with my debts0 -
Sorry, meant to say I think they have closed the account since I defaulted so this is where i'm unsure about making a claim.
thanks
LDebt 28/12/06 £26,467
£20 grocery challenge per week
Savings £400
£2 coins - £8.00
DMP £357 pcm (CCCs) commenced 1/10/06
DFD :think: proud to be dealing with my debts0 -
I'm on a DMP with CCCs and have been paying into this since last October. When I defaulted on my personal loan (£5,000) the bank decided to add more than £2,500 in bank charges!! At the time I was so exhausted and didn't really pursue the matter. However, I'm now really angry and was wondering if I can do something about it?
regards
L
Yes you can claim these default charges back from the loan account, you can also claim from a closed account, good luck
KezMember & fundraiser for Meningitis Research Foundation0 -
Thanks Kez, that's great to know, I'll look into pursuing them back this week. Good luck to you too
LDebt 28/12/06 £26,467
£20 grocery challenge per week
Savings £400
£2 coins - £8.00
DMP £357 pcm (CCCs) commenced 1/10/06
DFD :think: proud to be dealing with my debts0 -
Hi Have recently had an offer of bank charges back and that Natwest intend to pay it straight into my acocunt. However, my acocunt is closed and id being dealt with as part of an IVA. Not sure what to do? Any advice?0
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