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Popular Content

Showing content with the highest reputation on 27/07/12 in all areas

  1. D'you know what I think, it proclaims to the world how great we are! and such a tiny country awwwwesom!!
    1 point
  2. A Debt Arrangement Scheme is not Debt Managemnent although it is often called a Debt Payment Programme. The system was introduced by the Scottish Parliament as an alternative to Debt Management and Trust Deeds. As I mentioned earlier it can be set up through agencies such as CAB entirely free of charge. The diference is that unlike DMP you are legally protected from any enforcement action from creditors so long as you abide by the terms your assets including property is also protected. In addition you do not pay monthly fees as you will be in DMP, you make monthly installments to a payment dis
    1 point
  3. You can remind them that they have breached OFT Guidance 2011 section 3.7 (b) ''Pressuring dedtors to raise funds by selling property or by taking on further borrowing (including extending existing borrowing). I can put together a letter for you if needed to cover all the points.
    1 point
  4. Hi OAH, If you can only afford £1 per month then why not. Can you demonstrate this? Might be worth it for your own peace of mind. You don't have to do an I&E and they can't demand it but at least you'd have demonstrated your position. When I was in a similar position went through my finances and completed an I&E to see what was left, firstly deducting ALL priority payments - mortgage, council tax, work and travel, utilities, food, clothing, etc etc. C/cards are not priority. Then the balance is divided pro rata amongst the 'non' priorities such as c
    1 point
  5. I think you'd have a hard slog trying to convince a judge that the loan was unenforceable. I believe that English T&Cs are normally accepted in Scotland. So many judges just want to know if you borrowed the money, and if the answer is yes, they'll say you have to pay it back. You appear to have contradicted yourself about what you are paying, as I've highlighted in red and bold. I find it quite amazing that any solicitor would advise underpaying a mortgage, which is obviously a priority debt.
    1 point
  6. ignore DCA's have NO legal powers to do nowt bar fleece you. dx
    0 points
  7. MonthlyToAPR.xls It's the purchase rate you should use
    0 points
  8. If you have not made any payment or acknowledged the debt in writing for a clear period of 6 years (5 in Scotland) then the debt is Statutory Barred and you don't have to worry about repaying anything. In the CAG library (top left in green) is a letter template to send the DCA regarding a Stat Barred debt.
    0 points
  9. Hi welcome to CAG, Doorstep collectors have absolutely no authority to enter your home or discusss your finances you can oder them to leave and not return. I suggest writting to ScottCall as follows: The Compliance Manager ScottCall Ref: xxxxxxxxxxx Dear Sir or Madam, I refer to the visit to my property by one of your operatives today, please take note I withdraw all permissions implied or explicit for any employees of Scotcall to visit my property at any time. Please be advised I will only deal with fnancial matters in writting, no e-mails or telphon
    0 points
  10. Carry on as normal with the PPI claim and enclose a copy of their letter. Ask them how they can possibly reject a claim before it has been lodged as they would not have been aware of your reasons for the mis-sale. Tell them that you want this investigate properly in accordance with the regulator's rules.
    0 points
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