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Found 11 results

  1. Looking for some advice. I defaulted on a black horse personal loan on 2012 (not hire purchase) which was taken out for a car in 2009. This was included in my sequestration. The car was not repossessed as the value of the car was too little. Black horse have confirmed that the account is closed but that I still have a balance. 5 years later I would like to sell the car but when carrying out a HPI check the balance is showing. Do I have the right to sell this car?
  2. Hi, I'm seeking some advice regarding some Council Tax arrears I have with Highland Council. I was sequestrated on 20th May 2015 and discharged a year later. I was on the understanding that all debts leading upto & including my sequestration date was included within the sequestration. However, Highland Council have informed me that it's their policy to use the 'Date of First Order' as the date for any arrears, instead of my actual sequestration date. Here's Highland councils response to my enquiry: "Dear Mr frunko, Thank you for email dated 07.04.2017.
  3. Currently resident in Scotland but seriously thinking of moving to England or Wales six months prior to going belly up. My intention is to be unemployed from start of deed until discharge a year later. However as I understand it in Scotland even if you have a "nil contribution" IPA set at point of sequestration it remains live for a further three years after discharge - ie if after discharge you start earning above the threshold payments will have to be made for a further three years until the four year duration of the IPA has expired. Conversely in England and Wales if no IPA i
  4. I've been reading with great interest all morning, having had my first call from Cabot today - I missed it, but would have ignored it anyway. Just in the past week or so I received a letter from them re: a CITI card debt, which claimed that I had been informed previously of a transfer of the CITI card to someone else (cannot remember who - don't have the details to hand)... been reading all the info on the ongoing stuff with Cabot here, and I've been in similar positions with various other cards - I ran up massive debts on cards when some customers of mine went out
  5. Good morning all...hoping for some guidance on this one.My wife and I both have large debts as a result of stupidity,lack of future planning and wanting what we could not afford...none of the debts are secured and all are either bank overdrafts,loans and credit cards and we rent our home. We have over the last 4/5 years chipped away at these and reduced them by around 50% overall either by challenging in court or agreeing reduced settlements however we have now reached the point where we cannot realistically see an end to the spiral.We are considering sequestration however my question is this.
  6. Afternoon After three hard years I am about to end my sequestration in April of this year. I'm wondering whether there is any advice from those who have come through the process on what I should be doing now and how to go about re-building my credit rating. Many Thanks D
  7. Hi everyone, I was wondering if someone knowledgeable in the field could offer some advice Scott and co have recently sent me a letter stating that due to the length of time I have owed and the size of the debt they will apply for sequestration. No specific dates. I emailed them (as previous experience has put me off phoning) and firstly asked them to break the debt down. They let me know there is some from 2008-2009, some from 2009- 2010 and some from 2010-2011. The total amount due is £3400 I then emailed back asking if they would accept repayment in
  8. Hi.. I am new here. I really hope somebody could help me. I entered sequestration 3 years ago. And this February is my final month to pay contribution towards my sequestration, which is £200 per month. And my IP has advised me that I will be released from my sequestration afterwards. Unfortunately, to my surprise, I just received an email yesterday from my IP saying that they decided to take my car which is worth £1550, or I have to pay the same amount if I want to keep the car. What make me really confuse here is, at the beginning of my sequestration, I owned BMW which was wort
  9. Hi there, First post so be gentle on me! I'm at the moment currently trying to sort out my girlfriends debt for her. Over the last year shes got her self into a right mess with payday loans which i'm currently helping her with making arrangements etc.. but shes also got a back dated council tax bill of approx 4000 to deal with. To be honest shes been ignoring it and hoping that it would go away - but shes now received a letter from Alax M Adamson that they will be recommending to the council to start bankruptcy proceedings and to stop this action that shes to call and make some sor
  10. hi there im new and a bit confused any help would be greatly appreciated a few years ago i got into a bit of difficulty with my debts welcome/barclaycard/littlewoods/vodphone i took out a pdl without realiseing the consequences and it snowballed to the point i could no longer manage so i entered into a protected trust deed after appox nine months my situation changed and i found myself having to move house i defaulted on my ptd and havnt paid anything in approx two yrs i also have since again fallen into pdl debt which ive kindo of bumped i want to get everything sorted
  11. My council (Edinburgh) is applying to sequestrate me for council tax I don't owe. The disputed sum is big but I have more capital than its value. I have been making a repeated appeal annually, clearly on grounds of error of calculation. By law, anyone charged council tax has an absolute automatic right to do that, and the grounds may be anything the appellant perceives as an error of calculation. This is explicit in all the public information on council tax appeals and in the Local Government Finance Act 1992. It is a matter of simple exact statue law that has so shades
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