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Found 4 results

  1. just looking for some info really I have recently started a das in march 2017 for a total 37k the thought of these debts still bother me all the time and I constantly think about them so looking to clear them asap really What I'm really wondering is can you make full and final settlement offers whilst on a das and what sort of percentages are likely to be accepted Also can you pay off some of the creditors to reduce the monthly payments of the das I think I can get a hold of around 50% of what I owe and keep reading about people paying off large debts for less that 50% of what they owe
  2. Hi all, I am in a bit of a mess financially and I am going to use this as a way to keep track of whats going on and to chart my progress as well as ask for help etc. I have 9 creditors (unsecured) and owe them a total of just slightly over £40k in total. I was managing to keep on top of everything but then i changed jobs and my salary dropped considerably and i was not able to keep up my payments although i am still okay with my priority debts. I recently applied for a D.A.S. through step-change which seems to be a pretty good answer to my current issues and means I will be debt free in a little over 5 years - paying in the region of £630 per month! I have been perusing these pages and I wonder if it would be worth while sending CCA requests to all 9 creditors to see if they are all enforceable. Can anyone advise if this would be a sensible approach as Step-change don't seem to do this as a matter of course. Any advice would be appreciated Thanks Woolfie
  3. I've just heard the news and wanted to pay respect to an old friend, but when it comes to it, I have no words to express my feelings right now. Goodbye, Martin, thanks for the memories. You ate my food, I drank your vodka, I owe you a scarf and you owe me some Ukrainian caviar... Life will be that little bit poorer without you.
  4. Hi I am trying to find a solution to my debts at the moment. I owe about 5,000 in total, all on unsecured debt. I have been in contact with an insolvency practitioner with a view to setting up a Debt Arrangement Scheme. However, as I am not working at the moment, I had to include a note from my husband basically stating that he was happy to contribute the monthly amount out of his wages. So far, so good. After I returned all the relevant paperwork, they called to say that having reviewed my circumstances they would advise me to go for a LILA sequestration due to my not working at the moment,but that I could still go ahead with the DAS if I wanted to. I decided to look into LILA upon their advice. After looking into it, it is not really a road I want to go down, it seems far too severe an option for a relatively low amount of debt. I contacted Stepchange today, and am waiting for a call back from an advisor (next week), as the person I spoke to wasn't trained in procedures in Scotland. They did say however that a DAS can't be set up if it is being paid out of my husband's income. Does anyone know if this is the case? I really don't want to go down the LILA route, especially as I hope to be working again in the foreseeable future, but if I can't set up a DAS I don't know if there is any other option. I haven't gone back to the insolvency practitioner I was dealing with as they charge a fee for setting up the DAS and I would rather the full amount go to my creditors. Any info would be appreciated.
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