thanks lateralus anyone?

bump. anyone have any advice to add, or should I throw in the towel?

I dont understand what you mean at all. Is there anyone here who has (or knows of someone) actually made a successful claim while being in a IVA? Thanks

I dont understand what you mean really. I had two bank accounts, a personal loan and a hsbc credit card total. I owed around £7000 (inc. of the loan) which I am paying back through the IVA. The total amount I am paying back to all creditors in the IVA is around £17000. I was claiming back £1200 in unfair charges incurred mostly on my current account (about £50 on my hsbc credit card). So is it advisable to still proceed with my claim?

just received this from the swines: so... what now? they didnt make me a part offer just outright refused. Also there was no money 'charged off' I am paying that back through my IVA. In a nutshell IS it advisable for me to proceed with my claim? thanks

Me too. None of the links work. can someone email me a copy if they have a completed version saved? (england, excel simple) Thanks

I read something about overdraft interest in the FAQs, but its too confusing and i cant be bothered. I'll fill in the spreadsheet and get the initial letter sent off

Thanks Kelley. Do I not need to include any interest? I thought there was one type of interest I needed to include with the initial request??!!!???

Well, I now have all the statements - they turned up out of the blue VERY late. I am sending off the initial request tomorrow - they owe me £1350! I am slightly concerned as i am in an IVA with HSBC as one of my ex-creditors, i hope they dont try to make me go bankrupt! Do I need to send copies of all the statements with the charges highlighted with this initial request? Thanks

i've recently received a letter from a company called Stop The Worry claiming that the majority of IVA's are not suitable and that 'you could be from your IVA in as little 4 months' Was wondering if anyone has had any dealings with this company, or knew anything about it? Thanks

Is it better for me to declare myself or make my creditors do it? I am having trouble seeking advice, the citizens advice isn't very useful as you can't make appointments, any where else I can turn to? thanks

My IVA (which i wish i never did in the first place) has failed because i cant keep up the monthly payments. I dont really know what to do, will I have to go bankrupt? or is there another solution? Also what are the implications of bankruptcy, i dont own a house and i have no assets. I am working at the moment but only on a temporary contract, i am hoping to start my career this year. Advice appreciated

I was going to call them to see if the other statements possiblly got lost in the post - dont you think its a good idea? Surely they are still in breach of the Freedom of Information Act, as they agreed to send the statements without charge? regardless, i will send another letter and PO, special delivery setting out what you said above. beware anyone else they return the fee to....

Thanks Jon, Yes I should of took your original advice, I didnt think they would be that devious. It goes completely against the spirit of the freedom of information act - disgraceful behaviour from HSBC to be honest. I am now determined to make another request and I will be calling Ian Shepherd who signed the letter to ask him to explain these actions. Julian

any advice on how I should proceed in regards to the above? thanks