hello debtdummy, and good luck for 2007, you have taken the right steps and you will see greener grounds. 1- i don't know, but i know you can defend, and you need to make sure that you have presented a budget showing the financial distress that an attachement order can cause to you and you family. 2...

you can ask for the judgement to be set aside, you will need to know the claim number the judgement was given for, a good way to do that is to get your statutory credit file from CRAs (cheap £2 one ) the claim number should be on it. you fill a form at the court, there is a fee for that of about £35...

Thank you for your answer, neverending, Looks like a no, we can't do that if it make things more difficult, according to T&Cs of IVAs. So i have more questions! Will it be worth asking the creditors during IVA negociations (by IP to politely request that any unlawful bankcharges applied to the accou...

I am sorry that you had a bad time. You seem to be resenting me for not knowing about IVAs? No i haven't been throught what you have, but i am trying to help people that have, or may have too. I know a bit, but not enough to understand the legal implications of the charges claiming process, and i ca...

So i am asking you some advice about the consequences of reclaiming bank charges for some one who have a IVA because you are the expert and i don't have a clue about the IVA, and you think it is best to delete the thread?

thank you for the help.

hello all and well done for the good job, i may have met some of you in London in front of the OFT... I am uk admin on the Penaltycharges website, and we help people claiming their bank charges for free (self-helping website) we have come accross a few cases where people will have IVA and are asking...