Court order really confused

[louiseh]

Since IVA acceptance I've been sorting out old paperwork. I had an isa account last year, only £1.01 in it, so I thought I'd just close in down. Phoned Alliance and leciseter, they can't close the account because there's a court order on it! Now I'm really confused, they weren't one of my creditors, and the account is savings only. I couldn't even withdraw the £1. Does this mean every account I have savings, whatever have court orders on them. I also had old abbey account agin only £10 in it but I was able to withdraw that. Not sure whats going on, a bit worried.

[MelanieGiles]

Did you have any debts with Alliance & Leicester? If so, they are probably exercising set-off against your ISA account, but I am not sure that this is legal.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[louiseh]

I have a secured loan with them, never missed a payement. It isn't part if my IVA as it's secured. To close the account they told me I'd have to go to court, obviously I'm not going to bother for the sake of £1.01 plus pennies interest, but how can they apply for a court order without me knowing. They may know of IVA as they are included in my proposal as a secured debt but I don't see how this court order came about. Is it worth contacting experian to see if any credit is listed, incase someone stole my ID to get a credit card in my name pre IVA.

[MelanieGiles]

It's not a bad idea if you feel exposed on this point.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[louiseh]

What happens if I just ignore this. Will the court order stay indefinately or be removed after completion of my IVA or secured loan?

[louiseh]

Have contacted alliance and leicester again, they can't give me any information, only that they have had a letter from the court blocking the account. They can't tell me which court to contact or anything. As I have had no letter from any court who do I contact? Would the court administering my IVA know about this? Could this be related to tax, isa account being tax exempt? This is just great...I have a court order against my account that no one knows anything about... I thought things were running too smoothly!

[MelanieGiles]

It is extremely unlikely that any Court will have written to your ISA provider. Ask A&L to explain in more detail or send you a copy of the letter.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk