can you claim a 'card recovery fee' of £50!!! ?

I have paid back more than 28%, but that is the creditor's cut AFTER fees. My contributions equal over 50% of the original debt. Yes, I have done well out of it, as you point out. But....If i'd reclaimed all my charges before the IVA (or never been charged them in the first place!), my original debt would have been say 20% lower, so I would have had to have paid 28% of a lower amount to get myself debt-free. I reckon that would have saved me around £5K on what i have paid back. As for being discharged from my IVA early, that doesn't happen. They run for 5 years unless you come to a full and final arrangement (or they fail) Thankfully i have generous parents who lent me £11K to get it all finished with!

I didn't pay back 100%. In fact it was about 28% after fees All of the banks i would be claiming against were bound by the IVA But.... as the IVA is now finished. I don't owe anything to anyone. All the debts are fully 100% satisfied. Some of that debt, will be the chrages i would reclaim. If i had paid the debts in the normal contractual way, claiming the charges after the event would be the usual situation. However, my debts are paid in full (all be it by a legal IVA agreement) so claiming the charges back is only fair. What is also only fair, would be for the banks only to give me 28% of my charges back......i think

I didn't pay back 100%. In fact it was about 28% after fees All of the banks i would be claiming against were bound by the IVA But.... as the IVA is now finished. I don't owe anything to anyone. All the debts are fully 100% satisfied. Some of that debt, will be the chrages i would reclaim. If i had paid the debts in the normal contractual way, claiming the charges after the event would be the usual situation. However, my debts are paid in full (all be it by a legal IVA agreement) so claiming the charges back is only fair. What is also only fair, would be for the banks only to give me 28% of my charges back......i think

Hi everyone, Hope you can help! I started an IVA in May 2004. I have recently completed the IVA by way of a full and final settlement 2 years 7 months early. Can i claim back any bank charges from the last 6 years? Even though some (or all) of these would have been included in the IVA? If I did claim them back (and won) would they be mine to keep? Looking forwrad to your answers

Just to clarify something from a previous message in this thread...... What can you potentially claim back on a secured loan under £25k? We had a £20K secured loan taken out in Dec 04 which we redeemed early (after one year) via a remortgage. We paid back well over the original £20K borrowed. Also got a less complicated ERC of £2K+, we paid on a Scottish Widdows mortgage which we'll be chasing them for once we've finished with Barclays!! Dan