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Dealing with Debt / Lowell County Court
« Last post by CharlesShinc on Sep 12, 2019, 05:39:54 PM »
A friends recently asked me to go to the court house with her to file some paperwork. Has anyone had any experiences good or bad with checking a firearm at the court house?
Dealing with Debt / Ex housemate ran up debt in my name
« Last post by CharlesShinc on Sep 05, 2019, 04:15:23 PM »
According to my reading of the FDCPA:

§ 807.  False or misleading representations  15 USC 1692e:

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

That means that a debt collector that gives you a false name not his/her real name would be in violation of § 807.

Dealing with Debt / Letter Solicitor about ground rent debt
« Last post by sunforever on Aug 18, 2019, 04:13:42 PM »

I have missed a payment for my ground rent and maintenance fees. I own the actual flat. The debt is about two months old, and now I have a letter from their Solicitor stating if not paid in full in 7 days it will go to court. Plus they will add further charges.

The amount at the moment is about £800. I have emailed the Solicitor, and asked will it be okay to pay £200 on the 5th September, and the remaining balance two weeks later. I work full time. I sent the email last night so still awaiting to hear from them. What will happen now if they say no, and it goes to court but by then I have the money to pay it. What would the court fees be?

I also have other debts that are set up and being dealt with but with me owning my property I cannot go bankrupt. The debts are about twenty thousand.

Thank You

Is there any eligibility criteria & limitations for debt amount to apply for debt management plan?[/font][/size]
Dealing with Debt / Joint IVA
« Last post by Moses007 on Aug 16, 2019, 11:48:48 AM »

I have just settled an Iva one of the debts was Halifax overdraft, this was a joint account with my husband who was not in the Iva
He has been paying Moorcroft £20 per month we are both being asked to pay the same overall balance
Now that I have settled the Iva surely the debt should be now be finished, if both of us are paying they would get approx double the original debt
Any advice appreciated
by considering a good credit score to be anywhere between 881 and 960, with fair or average between 721 and 880. Try to get the details of your re-payed amount & close your debts smoothly. All the best.
Bankruptcy / Re: Will you definitely lose your home if you declare bankruptcy?
« Last post by Moses007 on Aug 09, 2019, 11:04:01 AM »
Even if you won't lose your home as a part of Bankruptcy, your home may be at risk if you're behind on your mortgage payments. If you go bankrupt, you may end up losing your home.
Dealing with Debt / Does an IVA stop bailiffs?
« Last post by Moses007 on Aug 06, 2019, 12:57:52 PM »
Heard that IVA is a legal agreement, can we waive off different kinds of debts in a safe and private way, and handle our finances thereon in a much better way.[/font][/size]How an IVA can help us to stop bailiffs?
Bankruptcy / Re: PPI Refund
« Last post by HeadCandy on Aug 01, 2019, 06:54:02 PM »

Hello All

Please help. Having gone quiet The Claims Guys have written to me and said that they need to see the letter from Nationwide where they have stated that they gave the PPI money to the Insolvency Service. If I don't do this they are going to charge me for the work undertaken.

Please - any suggestions?

Thank you
Bankruptcy / My partner has savings
« Last post by Ratty on Jul 13, 2019, 12:44:35 PM »
I went bankrupt earlier this year.

I have recently submitted the financial questionnaires to the Insolvency Service.  My partner worked for my business so has lost her income although does not have any personal debts save the mortgage.

I have another job but at a far lower salary and at present there is a significant gap between household income and expenditure which the IS has queried.  My partner got bits and pieces of money over the last few months from different sources including some redundancy but not a regular wage.

She owns the house which is fine.  She also has a small amount of savings and has been dipping into this to make ends meet and it has gone down a lot quite quickly.

My question is that when working out whether to impose an income payment agreement if the IS will take into account her savings when calculating her share of the household income or whether they literally just look at income coming into the household; i.e. wages?

Thanks in advance for any tips
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