Starbug Debt & Hardship *** SETTLED ***

[shooter]

Re: Starbug Debt & Hardship

I suppose you could leave it out but abbey will almost certainly know just how much your balance on your Credt card is and Yes there is a likelyhood that they may put conditions such as paying it to you CC should they pay you.

Having said that, Have you had any charges on the credit card that could be reclaimed?

It may or may not be a barganing chip as credit card claims are still progrssing as normal and are not covered by the test case.

You are doing well now.
you have all the wonderful people on here behind you 100%

shooter x

[starbug]

Re: Starbug Debt & Hardship

abby?
Im with the Halifax.
And i dont actually have any credit cards now. Since the failed IVA i have not heard from the halifax about the money i owe and they havent closed my accounts. Just my credit card.

[shooter]

Re: Starbug Debt & Hardship

Sorry had a long day!!
I do know that you're with Halifax!
just cause you don't have any cards now doesn't matter, If you have had any in the last 6 years and have been charged late payment charges, over limit charges or returned payment charges you can claim them back.

[starbug]

Re: Starbug Debt & Hardship

Thank you all for your help.

I have sent off the letter today recorded delivery so now i just have to wait and see.
I did make a couple of changes. I added a bit about my gambling and i also enclosed all the proof they will need.
housing benefit letter
IVA letters
council tax letters
letter from my landlord seeking possession

I did not have letters to confirm i was on income support or disablity but i mentioned that they can see from my bank statements that this has been credited to my account if they care to look.

One problem being sorted, now for the others.

Question.
My situation for my housing was being seen to by a solicitor a couple of years back but because i missed a couple of calls/letters they closed my case i think.
This was all done with help from my support network but i do not have this now.
What can i do?

[Amethyst]

Re: Starbug Debt & Hardship

Could we start a new thread for you about your housing starbug? then the right people will look at it. If I make you one and link it to here you can put all the info on there

[Sapphire]

Re: Starbug Debt & Hardship

Hi Starbug

Just a quick question about your credit cards, did you pay Payment Protection Insurance on them ? If you did, would it be possible that it may cover your payments due to your illness. Just a thought.

[Emerald]

Re: Starbug Debt & Hardship

Starbugs are you sure this is an IVA you entered? Who is your IP? On benefits it would never have been suitable as you would have not have had any surplus income. Who arranged this for you?
If it was an IVA and not a DMP, then it will not be of much benefit to you reclaiming the charges as the IP wil lclaim them as a windfall and there will almost certainly be a clause in the IVA about this.
If it was an IVA, then contact your IP and see if they intend to use the Bankruptcy clause, this would mean that they will do it for you and you don't have to worry about fees or forms.

[starbug]

Re: Starbug Debt & Hardship

emarald,
Yes it was an IVA which has now failed so i do not think they can take the bank charges fro me. can they? Im ashamed to say that they did not know about me beihg on benefits. I couldnt see another way out and i felt trapped but i still wanted to pay some of the money back.
They didnt file for bankruoptcy because they didnt receive enough funds from me to do this so they didnt bother.

[Emerald]

Re: Starbug Debt & Hardship

They can use the right of offset to take your charges.
Have you discussed the failure and bankruptcy with your IP?
How did you manage to get an IP approved without revealing you were on benefits? What employment/income details did you give?

[Amethyst]

Re: Starbug Debt & Hardship

Hi Starbug

You know the Income Expenditure form you sent a scan of to Shooter - which organisation did you complete that for ? Was that the one halifax sent you ?

Also can you confirm the igures you gave for Income support and DLA...£136 is a very high rate of income support - is there anything else you have included in that figure ? i note you have put the DLA seperate.

Cheers

Ame
xx

[Emerald]

Re: Starbug Debt & Hardship

And SB, also is there any chance you could scan the IVA agreeement and let us see it?

[starbug]

Re: Starbug Debt & Hardship

the halifax did send me one but it was only basic, so i used the one shooter sent me.
the figures were right...why do you ask?

[Amethyst]

Re: Starbug Debt & Hardship

The Income support seems a bit high that all - I wondered if it was broken into different allowances. Standard IS is £60.50 and couples rate is something like £98. I'm not hot on the benefits system - actually they confused me completely at my 6 month review yesterday lol. So just wondered if there was like a London premium or something.

[starbug]

Re: Starbug Debt & Hardship

hey all

just a little update

I sent the forms off to the halifax on thursday and i received back all my documents on the sat, recorded delivery. Now i have to wait while they revue my claim. fingers crossed.

Amethyst, i think there may be another benefit in there but im not sure.

[shooter]

Re: Starbug Debt & Hardship

I think that because Starbug Receives DLA that he gets a disability premium with his IS this would possibly be why the IS seems so high

Shooter x