Is and IVA Worth Considering? I recently came across the News Letter by The Bankruptcy Association. It was interesting to read the following passage about IVA’s: “I have noticed in particular that most debt collection companies and agents are quick … Continue reading →
A new study from the University of Bristol, in partnership with the Money Advice Trust and the Money and Mental Health Policy Institute, outlines the experiences of nearly 1,600 UK debt advisers when supporting people in vulnerable situations. Nearly three-quarters … Continue reading →
You could be paying your estate agent thousands of pounds to help you sell your property, so it’s worth asking a few questions before you think about signing on the dotted line. What’s Your Commission? The commission is the percentage … Continue reading →
Unfortunately, repossession is a reality that many home owners are faced with every day in the UK, but there are certain steps you can take before it gets to this stage in a bid to keep possession of your home. … Continue reading →
If you’re thinking of renting out a property to tenants there are lot of things to take into account. Your responsibilities as a landlord may be difficult to keep to if you live far away or have difficulties with mobility … Continue reading →
If you’re having trouble keeping up with debt unsecured debts of over £5000 then a Trust Deed is one of three main solutions that could help you. The other two options are a Debt Arrangement Scheme or a Sequestration but … Continue reading →
When a loved one dies, emotions can run high for a long time afterwards. Although you may have already had a lovely service and burial for your loved one, most of the hard work occurs after he or she has … Continue reading →
Bankruptcy Association Closure Today as I opened up my mail, I thought that I would be reading a “newsletter” from the Bankruptcy Association. Unfortunately, it contains the following sad news: “Dear Member I have recently discovered that I have terminal … Continue reading →
When you go bankrupt there are certain figures that the insolvency service would use to calculate your monthly disposable income. Obviously, some outgoings such as mortgage, rent or council tax will vary depending on where you are. Here is a … Continue reading →
Renting out a Spare Room OK, this may not be everybody’s cup of tea, but renting out a spare room can generate a lot of needed income. By letting out one of your rooms you could be generating yourself about … Continue reading →
Legality of Liability Orders Sadly I am not a solicitor (or maybe that is a good thing?), but each time that I have to deal with a liability order, I really do have to question the true legality of it. … Continue reading →
Buchanan Clark & Wells Agree Full & Final Settlement This debt was actually settled with Buchanan Clark & Wells who were collecting on behalf of Barclays Bank. This is certainly a fantastic start to the New Year for one person! … Continue reading →
Aktiv Kapital Settlement Offer Here is a letter (Click on Letter to Enlarge) that someone recently received from Aktiv Kapital offering a £940 discount off their debt of £6.268. On the face of it, this would seem like a very … Continue reading →
Since the financial crash, many people have been struggling to make ends meet and live within their means. Credit cards and loans can often be tempting when there is an important bill to pay or even when you want a … Continue reading →
Full & Final Settlement Offer Here is a letter recently received from 1st Credit: “1st CreditP.O. Box 278ReigateRH2 7WBTel: 01737 235202Fax: 01737 887697 1st Credit Ref: NUMBER “Special Low Discount Opportunity” YOU PAY HALFWE PAY HALF Mr NAMEBLACK HORSE LIMITED … Continue reading →
