Hi. I successfully reclaimed £3k from Abbey and no longer bank with them. Go to Yahoo and type in unfair bank charges, the option that comes up with Govan Law in the title is the site that I used as they have all of the standard letters that you will need to send to your bank. Def worth doing!!!

Hi. I know this forum is supposed to be for IVAs but I have looked at DMP forums and they do not seem to be as helpful as this one and this one also seems to cover a range of topics. I am wondering if anyone has any feedback on the following DMP companies...Payplan - CCCs - Briom & Keely? ( I have r...

I successfully claimed back £3k from Abbey for charges over the last 6 yrs and I don't bank with them anymore. Unfortunately this didn't make m rich and 85% of it paid of the remining overdraft I had with them despite the account being closed. I also got £500 back from MBNA so yes it can be done but...

Thanks Kerri. Would Thomas Charles refer me somewhere? how did you find myvesta? Thanks.

Ok thanks. One more thing, from the time that a DMP is discussed and agreed how long does it take to put it in place?

Hi. I have not yet managed to speak to the lady who apparently has been assigned as my debt advisor from Thomas Charles and am waiting for her call back. I am not good wth patience so am left wondering and have more questions... How long does it take to put a DMP in place? also,I have read alot on t...

Ok thanks for that. I am feeling quite nervous about phoning Thomas Charles, don't know why. I think I just find it takes alot of energy to talk about my finances!!

Hi. I am just about to speak to Thomas Charles but want to have a some idea of what I want, so just wondering do all debts have to be included in a DMP like an IVA or can I select what is included? Thanks

Thanks Andy. How do I get creditors to stop interest or is that where the third party comes in. I am speaking to Thomas Charles tomorrow and hope they will be able to get things moving? I probably have about £500 disposable income each month. Based on the details I have given would you say that a DM...

Hi Melanie. Firtsly, I would like to apologise for the never ending questions that I seem to have at the moment, and all I am sure you have answered before. Ok. I have read about Informal debt repayment plans, IVAs, Bankruptcy, and still have many questions but the one now on my mind is - if I can g...

Hi. Sorry I DON'T MEAN BLACKLISTED I MEAN 'BANKRUPT'!!! Thanks.

So if I was to compare being blacklisted and an IVA, with both you cannot get credit (which would not be expected and understandable), Blackilisted is for 3 years and after you can rebuild you credit, IVA is for 5 yrs. Both show up on your credit file. Blacklisted you would not touch your house in a...

The property is jointly owned although we are not on the best of terms and have not been for some time. The present value of the property is approx £270,000, I think we owe £236,000, we do not have any loans secured on the property.

Ok. I definately do not see bankruptcy as an option and do not even want to contemplate that. I think an IVA is suitable for me it is just the equity release that is going to cause problems. I have just posted another Q (sorry have alot in my head to be answered) if the amount that I owe in total is...

Hi. If in an IVA does everyone who has a mortgage HAVE to get equity release in the last 4th or 5th year? If I owe creditor a total of £30k by the 4th or 5th year I would hope that not loads would still have to be paid so would I still be expected to try and release equity? Thx.