Capital one tried to block my IVA before it began. I owed over £20,000 to all the other creditors combined, but only owed them (Cap-One) £200,.Obviously they tried to do what was best for them, offering me interest free instalments after they made it clear it wouldn't benefit them if my IVA goes ahead, for this huge sum of £200.
When you consider this was my credit limit with them (£200) and Capital One had given me TWELVE over limit fee's of £20 in the previous 18 months, it was only these fines that I owed if you think about it. They had already had their money back technically. They refused to take any of the fines off too.
Because I paid around 93% back, poor Capital One only managed to retrieve £186 - crashing my IVA would have been beneficial to the sum of £14.
They were also the only company out of six I owed money too that point blank refused to pay back my PPI.
Therapy session over
IVA complete March 2014 after 6 years.
