need some advice here. NW have refused to repay £1599.82 that they
nicked from my claim that they repaid in full (see previous). they say that
because this debt occured before my IVA was in place they are entitled to
deduct it from my charges refund. can they do this? it's my contention
that i wouldn't have had a debt with them if they hadn't charged me circa
£3000 in the first place. they are also complicating matters by saying half
of any refund should be payable to my ex-wife who was joint account
holder. they will write to her at my address!! should i accept this money
and then pursue them for the rest, 28 days was up on june 14th and i
have had no correspondence from NW or court so i could get default
judgement immediately??