Ireland overhauls insolvency rules
New plans to deal with personal debt have been announced by the Irish government. A new state insolvency service has been set up to try to broker deals between debtors and lenders. That could force those in mortgage trouble to...
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Ireland overhauls insolvency rules
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Ireland overhauls insolvency rules
Ireland overhauls insolvency rules
This is a duplicate of the Blog Entry made on 19th April 2013 18:45.
New plans to deal with personal debt have been announced by the Irish government. A new state insolvency service has been set up to try to broker...
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Public Liability Insurance Problem
Hi, My Son in Law is a sole trader fitting in car equipment such as tracking systems. He holds public liability insurance which he thought would cover him in any event of a claim against him for damage to the cars that he works on. However recently he was working on a particular car with an electronic... -
Credit card debt
We have 3 credit cards, with a approx total of £8500 debt on them.
The main one is for £7400, the others are just over £200 and £800.
We also have 3 catalogue debts of £440,£887 & £1023.
We are paying just above the minimum payments each month.... -
Mortgage PPI from 2004
Hello!!!
After posting in another thread about possible PPI reclaim against HBOS & Lloyds TSB I got to thinking about I claim I attempted last year and thought I'd seek the expertise of you great people!!
We were mis-sold PPI on a mortgage back in June 2004. The amount... -
credit checks for a mortgage.
Hello, I am writing a question to help my daughter out.
My daughter in 2008 had a mortgage with partner , they had a baby and he walked. A lot of emotion and he came back and she lived with me. The mortgage payments were kept up. 2009 they decided to get rid of the house, neither of them...Last edited by Susiebling365; 3 January 2013, 10:05. -
if we sold and downsized ...
would we get another mortgage with our really bad credit history?
Is it possible as this makes sense in our situation we have a huge 4 bed 2 bath house with 2 people living in it , we could sell this and buy a 2 bed house and it would be cheaper for us and the mortgage would be back on... -
FSA fines former mortgage group directors for “serious” failings
FSA fines former mortgage group directors for “serious” failings
This is a duplicate of the Blog Entry made on 12th December 2012 18:34.
Three former directors of mortgage broker Black and White Group (B&W) have been fined by the regulator for failures related to... -
PDLs A WARNING
Just a note because this doesn't seem to have been made very obvious.
I have 'tested' the PDL market
and would like to WARN that, if you take out a PDL, have 'difficulty' paying it off ( or even if you don't ) you will be snowed under by offers from, apparently, different PDLs....
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Coming back to "life" after more than 6 years AWOL
Has anyone done this ?
For long after the 6 year minimum, you've kept your head down, under radar, moved a few times perhaps and have had zero contact with the credit card people.
You know a few went to CCJ but those are way past 6 years as well and strangely, some never bothered...Last edited by River Phoenix; 30 November 2012, 23:07. -
grayt72 PPI reclaim
Has anyone managed to get any money back from Endeavour? I had a loan out with them a while ago which was paid off a year later. However the PPI ran upto nearly £5k in total, so I want to try and get it back
I believe I should be contacting HFC now as they own/bought out Endeavour... -
CC Debt_before bankruptcy
Hello,
I have a UE Diary already here http://forums.all-about-debt.co.uk/s...ead.php?t=7342
But It's looking wobbly. Want to try a different approach if its possible, as I'm contemplating BR.
I AM in serious Financial difficulties as I'm Unemployed. Living with my long Term...Last edited by gregco; 12 November 2012, 14:44. -
Chased for mortgage and secured loan shortfall after repossession
Ok, Hi to all, I am going to keep this brief, back in Dec 2010 me and my wife had our house Repossessed by Platform home lending, They sold it I think April 2011 with a shortfall of £35466.78 including charges and fees. Also we had a secured loan on the house with GE money and they are chasing us for...Last edited by ShedAnd; 13 December 2012, 01:16. -
Some people want everything for nothing
Just thought id rant about a client of ours.
Wants to buy a house for £380k, wants a mortgage soley in his wife's name.
His wife currently shows an income of £300 per month as a part time M&S employee, and a owner of a residential care home, bought only a few months...Last edited by SXGuy; 22 October 2012, 11:53. -
Is there a statutory duty to produce proper accounts on a loan?
This may sound like an idiot question but I do have a good reason for asking.
Under what law is there a duty to produce accurate accounts for a loan? accounts that are not only right but are comprehensible to the borrower? I have read the Consumer Credit Act 1974 (under which I have...