www.iva.co.uk

hi can anybody help my bank account has been charged £25 for a payment i now nothing abount are they allowed to do this if this acount is an overdraft account and on my iva

You may find that this is just a charge that the bank has put on. I would either speak to them yourelf to find out, or speak to your IP. If the account is covered by your IVA, they shouln't be doing this.

[:)] thanks for your reply they have put charges on the 1 st october for £180 for returned direct debts that were before my iva started but since that there has been a payment that on my statement says pay in the payment type for £25 on thne 9th october for some compasny called gops offshr ive neaver heard of this company . i started my iva on the 8th of september and riped my card up then . im just worried it could be identi fraud .this account is on my iva so the bank should not of autherised the payment will ring my ip tommorow

thanks again[:D]

Hi
Well it will all be included in your IVA.
Your IP will be able to alert the bank
Regards

just a update i rang my post app teanm today ,they have said thats is nothing todo with them and that i will have to ring the bank to sort out were the payment has come from and who the company is ,i rang thebankcustomers serivce who have given me the off shore phone number to find out about the transaction , will ring them tommorow as they close at 5pm

i have now found out about the payment it seems to be for there credit card payment its just that the first person i spoke to did not regonise there own bank sort codes i have now informed my ip as they should not of taken this out as all my accounts with them are encluded in the iva

I take that you mean it was your monthly payment for your credit card?

It will be included,but if you still have this account open, then cancel any direct debits that are on there to pay credit cards so that it doesn't happen again.

these are not direct debts payments,its because its the same bank as my credit cards so they take it out themselves when i dont make a paymentds .have now sent copys of there letters and statements to my post app team. informed my bank re the overdraft account that im on an iva so hopfully they wont let them take any more payments i hoping anyway. i also hoping that my post apps team will sort out the credit cards by makesure they have all the details of the iva

Right, I'm with it now I think.

These payments should not have been taken out of the bank. It's rather like my HSBC loan, they used to do the same thing.

The bank should have been informed of your IVA, as should the credit card people. Your IP needs to speak to them and tell them of this. Don't worry about the payments as they will be covered by your IVA.