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About blind-as-a-bat

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  1. Glad your amused Wintry, but not as amused as me,i shall leave it there;)
  2. With all due respect (and as we seem to have a mutual acquaintance, I do mean that) no you missed where I was coming from entirely. The only line in my post that was important was the last one. I can post anything I like, and it can not be verified, the same can be said of anyone posting on any forum. So whether your question is valid, or not, is academic, as the answer is irrelevant without any form of confirmation. I trust you see the logic in that statement? But that said, I do agree with you concerns to a point, but I have the luxury of seeing this from a desp
  3. Dam, I know I should leave this be, but can not break the (bad:p) habit of a lifetime. I won’t use the obvious puns. From your posts you seem very knowledgeable of matters regarding the intermediaries ‘handbook’, not conclusive, but could indicate you are in the debt advice sector. But I can not ignore the possibility you are an authorised intermediary, or connected too a company that is an authorised competent authoritie, this causes me a slight problem, as that sector has both free and profit making firms in it. There is also something else i can not ignore. As
  4. ............ but in some IVA agreemants if you cannot free up the equity expected, the IVA may last longer. Depends if the IP needs to make the 'if' 'or' offer to get the creditors agreemant. If you have no equity, after all secured debts, then the property in nearly all cases, or to be more accurate any future equity in the property, can be bought back from the official reciever for £1 plus legal fees (£250-460). So Bankruptcy may be an option, without loseing your home, but they may take into consideration the cost of the mortgage against cost of local rentals, so it is not ju
  5. and if they did, the debtors would be asking why they have, whats the catch? Fun this game;) Just a shame thats what it has ended up as, a sick game
  6. Ok, after swapping a few PM's with James, and as a sign of good faith, I will retract part of the above post. The app is not ready to do what it claims, I still maintain that fact, but I see the potential, and I can see this ‘idea’ filling a ‘void’, but to present it as it is now still makes it dangerous. I Suggest it is, for now, presented as a ‘work in progress’ which to be fair is what James has hinted at from the start, but it is not a solution yet, it still has a long way to go. I am sorry this post is a bit vague, but what has been discussed is not for me to disclos
  7. Have you included some measures to make sure the user does not exceed the CFS? if not, your wasting your time, it will never be recognised by creditors, but more to the point, you wasting the time, and creating more stress for those that use it. But also, have you built in some safeguards to protect the user from under estimating there realistic financial needs? I already know the answer, and you know I do James This app IS dangerous, and pointless, as it does not contain the safeguards needed to give it credibility nor protect the user. Bank fodder, if this is of no benef
  8. Oh, and yes, i know where this is going, after the ruling at the end of last year, already figured that one out ;-)
  9. Finaly got a reason to dust this of and update, and trust me, this is the iceing on the cake:rolleyes: Well, Brian must not have fancied it, but it looks like Moorcroft have lost the plot, after sending this in March last year I got another one of these yesterday. Just when you thought they could not make themselves look any dafter, they do
  10. Or in HTML on my site, a link has been posted on another thread on CAG somewhere;) Have sent you a PM, im up to my neck in it too, so was a bit rushed, hope it makes some sense
  11. first question - Why does it link to third parties, and who do you link too? To prepare an offer to creditors, you must first prepare a budget that allows for your reasonable domestic needs, then deivide whats left between your creditors fairly, the question is, as it is a fact people in debt lose focus on the true cost of living, how does your software make sure the user is being realistic? And what are those figures based on?
  12. The Common financial statement (CFS) trigger figures are a totally different set of figures, and are used for the preparation of offers of reduced payment or DMP’s by the likes of CAB, CCCS etc. The figures are agreed to be the amount required to live on by most major banks and creditors, and should be accepted without question when a SOA or I&E is prepared using them. The trigger figures are not available to the general public, and are somewhat of a guarded secret, three guesses why that is. In reality, they mean very little, and don’t get accepted, nor stop the harassment as mu
  13. Must admit the thought crossed my mind more than once babybear while converting that spread sheet to html, but you can not realy look at it like that. The trouble with those figures are they are just a national average of what people spend for a given household unit, and include the use of credit, so are not that good a guide. Every OR's office will adjust them, up or down, for regional variations, but most importantly, what your allowed is not set in stone. Just a shame some OR examiners and potential BR's don’t realise that and treat that chart as the Holy Grail. The bott
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