Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    jimglasgow Novitiate

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    Default debt management quiery

    hi, can anyone advise me i am in the process of joining a debt managementicon program i have paid half of the required money to them and was very happy with the way things were going untill the car finance company that i was dealing with said that they do not deal with dept managment company,s and if i do do continue to pay them they will reposses the car , but dont want to join if i have to pay both can anyone advise thanks


  2. #2
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    Default Re: debt management quiery

    bet the name begins with W and ends in E

    as for repossesion, look on your agreement, how far in are you and what are the time clauses before you part own it?

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
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  3. #3
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    jimglasgow Novitiate

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    Default Re: debt management quiery

    2 year into a 4 year deal,


  4. #4
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    Default Re: debt management quiery

    DON'T pay any money to a company for a debt managementicon plan. You can get one free from either CCCS or Payplan. That way all your money goes towards paying off your debt and not in to the profits of the company.
    Here are the links:
    CCCS - Free Debt Advice from the UK's Leading Debt Charity
    debt management Plans, Free Debt Management Company and IVAs | Debt Advice | Payplan

    Don't know how that will affect your car finance company. I know some companies will deal with these two, rather than companies that charge.

    Bank of Scotland account 1 - £2,666 WON
    Bank of Scotland account 2 - £2,500 on hold
    GE Capital charges -£30 won (hey, every little helps!)
    Barclays Partner Finance £425 charges - £225 offer accepted.

    Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling

  5. #5
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    jimglasgow Novitiate

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    Default Re: debt management quiery

    the company is debtline


  6. #6
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    Default Re: debt management quiery

    no i meant the co financing the car?
    i think you will find you have passed the repossion point if you have paid half.

    have you got the agreement and what does it say about repossession or your rights on the vehicle once certain payment months are passed?

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
    rather than hittting to be my friend - hit the star
    DX
    Siteteam

  7. #7
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    loobyloo85 Informative loobyloo85 Informative loobyloo85 Informative

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    Default Re: debt management quiery

    Hi

    Usually, if you have a car on finance, if the agreement is secured on the vehicle, you would need to maintain these payments. Therefore the payment toward this agreement would be included within your expenditure in the dmpicon.



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE