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Wintry last won the day on December 1 2014

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  1. Hi Well now the dust has settled so to speak the changes are set to come in tomorrow https://www.gov.uk/government/news/more-help-for-people-with-personal-problem-debt Rumour has it that another press release will be unveiled by the I/S to accompany the changes set to come into force tomorrow Good stuff it would seem, but interesting whatever the future may hold W
  2. Hi Interesting https://www.gov.uk/government/news/undrawn-pension-entitlements-summary-of-guidance-for-insolvency-practitioners-and-debt-advisors W
  3. Hi ford Hope you are well Interesting reads A lot seems to be happening - The FCA link below is another very interesting 'document' and potentially relevant on self help IMO http://www.fca.org.uk/static/documents/occasional-papers/occasional-paper-8.pdf W
  4. Hi Financial Conduct Authority (FCA) 'Occasional paper' on vulnerability - recent document & worth a read IMO http://www.fca.org.uk/static/documents/occasional-papers/occasional-paper-8.pdf W
  5. Hi BornThisWay Cheers for the reply Yes, I agree and know what you are saying The bit on social landlords I mentioned was a touch concerning (this usually refers to Almo's, councils & housing associations caught my eye and basically / sadly confirms my own experiences of late) The MoJ figures do not show what types of landlords were behind the evictions, which were up by 11% on the previous year, but its data for repossession claims show that social landlords made more attempts to recover properties than private landlords. W
  6. Hi Citizen I had not seen them, a good link that I will use elsewhere now I have seen it It wont hurt having them on this thread with the direct relevance to Self Help DMPs:) Maybe I am wrong but I have not seen them on many other sites relating to DMPs, I cant think why:) W
  7. Hi A couple of very useful links to the FCA Handbook on Arrears Default & Recovery - Debt Advice / Debt Management Plans / Providers (Arrears default & recovery) http://fshandbook.info/FS/html/handbook/CONC/7 Debt Advice / Debt Management Plans http://fshandbook.info/FS/html/handbook/CONC/8 Very useful information and ammunition if need be... especially if you are running your own debt management plan or thinking of doing so (It is getting easier:) Always worth remembering that creditors should treat you the same if you self manage or go with a provider and they should now also treat you fairly (TCF) W
  8. Hi Rented home evictions hit record levels in 2014 according to this Guardian article - amongst other issue its worth noting the sections regarding 'social landlords' http://www.theguardian.com/money/2015/feb/12/evictions-rented-homes-record-levels-2014 My opinions as per usual W
  9. Hi BlondieGirl Information below from Citizens Advice CABmoney on self administering your own debt management plan (including changing from a provider) https://nedcab.cabmoney.org.uk/dmp.asp http://cabmoney.org.uk/ Administering your own DMP is becoming much easier and accessible for those who wish and feel confident enough to manage their own plans or have little other choice Creditors should treat you the same if you self-manage or go with a provider with the FCA treating customers fairly initiative (TCF) now coming into play also http://www.fca.org.uk/static/documents/consumer-credit-being-regulated-guide.pdf Hope this helps some Best Wishes W
  10. Hi Recent development on this issue, however things are still uncertain so to speak, tricky area at present http://www.ashfords.co.uk/the-high-court-refuses-to-follow-raithatha-v-williamson/ W
  11. Hi Treating Customers Fairly (TCF) from the FCA is going to have an impact and should make managing your own DMP much easier Its a hot topic and has the industry & sector in a bit of a twizz Good news for the customer / consumer but perhaps a real test for the debt industry, both free, fee charging and the so called 'not for profit' sector http://www.fca.org.uk/static/documents/consumer-credit-being-regulated-guide.pdf You see it will be easier to self manage, but hey! what's wrong with that:) My view as always W
  12. Hi Might be worth a read (for those who have not done so already) http://www.fca.org.uk/static/documents/consumer-credit-being-regulated-guide.pdf The above is causing quite a stir! Treating customers fairly (TCF) My views W
  13. Hi ford True The FCA do appear to have put the cat amongst the pigeons however if listening around the circuit is anything to go by. Something does appear to be happening this time, its quite unreal to be honest, I have not quite seen or heard anything like it. This certainly has potential implications on a wide scale As always however, we shall have to wait and see W
  14. Hi This is the FCA - Treating Customers fairly (TCF) info that appears to be the hot topic on the debt advice / collections & finance scene http://www.fca.org.uk/firms/being-regulated/meeting-your-obligations/fair-treatment-of-customers It would appear that things are being taken very seriously indeed Good news all round (almost) If all is as it seems then it has to make managing your own debts easier and why not? You will no doubt hear more on this as we go along, that's for sure Very interesting & fascinating times ahead W
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