I am "Post IVA" and I have successfully claimed back charges from 2 creditors (so far). The argument I used was this ... "If the IVA is in progress, I am advised that if the creditors include unfair charges in their claim then these should be reflected by a reduction in the size of the claim the ban...

Many thanks to everyone who's contributed to my question. One other point that occured to me: The creditors may argue that I should not receive a refund of the charges as I never actually paid them, actually I still owe them as part of the debt I entered and the creditor claimed in the IVA which, I ...

I started an IVA in 2005 and was lucky enough to be able to settle it early (in June 2008). Having read the posts on your website I have started the procedure of claiming back the unfair credit card charges (that were one of the reasons I had to go into an IVA in the first place). The charges were i...

I took out an IVA in May 2005 as a result of (among other things) excessive bank and credit card charges which I was unable to repay. I was lucky enough to be able to settle the IVA early (June 2008). My question is am I able to go back to the Bank and/or the Credit card companies and reclaim the ch...