Debt Management
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is it possible to get a mortgage when on a debt management programme? |
is it possible to get a mortgage when i am on a debt management programme and if it is, is it possible to incorporate my debts in to my mortgage? i have been told to look in to a debt consolidation mortgage, is this something that is worth doing and how will it effect me and my credit rating ( which at the moment is very poor).
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Debt management credit counseling - who offers it? |
I am looking to find a credit counseling service to talk to me about Debt Management. Who's good? Anyone had experience of Debt Management?
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Hi anyone heard of a comp called THE DEBT SUPPORT COMPANY, I keep getting emails from them? |
A woman called Nikki emails & she says she can reduce my monthly payments down to £200 from £450, it sounds a bit too good to be true, also the take a managment fee, does this sound legit?
I'm very confused as i have been reading a lot of info & i think i am now getting all mixed up,
This is based on a debt managment program not an IVA,
Please help if you can,
Thanks
T
xx
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Can I sign a new rental agreement when I have 2 defaults on my credit report? |
Can I sign a new rental agreement for a house if I have 2 defaults on my credit report. I am also under debt management at the moment.
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A Second charge on the home does it affect sale and credit rating |
I have an unpaid solicitor's bill due to divorce and can't pay it until I sell my home. I have been awarded no maintenance or child maintenance and have barely enough money to feed the children. They are charging me 2% a month on the debt of approx £63,000 and they are saying they will sue me for that amount or I can pay £14,000 straight away and they take a charge on my family home.
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How can we save our jointly owned house? |
My husband has recently started a debt management plan for his business which is £80000 in debt. None of the debts are secured and I have nothing to do with the business. 18 months ago I added his name to my mortgage as we have been together for 11 years. I was told by the debt management company if I had not done this they could not have laid a claim to the house.
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Do you know anything about a company called debt free helpline? |
They talk a good talk but are a fee paying debt management agency and while they haven't knocked fee companies like CCS and payplan, they do say these companies are overburdened with clients. Any reviews/helps would be useful. Thanks
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Am I personally liable for a bank overdraft for a dissolved limited company? |
My limited company has now dissolved - but am I still personally liable for the outstanding overdraft on the business account?
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Free debt management - who offers free debt management? |
I know that some debt management companies charge. Who offers free debt management?
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my bank has just told me i can't have a debit card. |
My bank has just told me i am ineligable for a debit card until my account is in credit for 3 months. Is this correct ? even though my overdraft limit hasn't been reached. They mistakenly put a bankruptcy notice against me and then retracted it stating mistaken identity but my problems still continue.
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How can I break a contract for a commercial lease to stop increasing my debt?? |
Because of the financial crisis, I am unable to keep paying my monthly rental installments for my self employee business. The contract will still run for another two years.
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Debt management programs. Are they the same as a Debt Management Plan? |
Are debt management programs the same as a debt management plan? I watched Channel 4 news and they talked about programmes not plans.
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i am currently paying my debts |
so far i am not in any arrears but its at the stage where i cant afford to make the repayments and then live. i have child support to pay as well. do i have to be in arrears to get an iva
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No Job Lots of Direct Debits to repay |
Ive just been dismissed from my last employer and struggling to find new work, i have £700 in direct debits that go out each month, What happens if i cant pay these... ?? i have no assests other than the car which i am still paying for on hp.
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What advice can you give me about challenging my loan/card agreements under C.C.A. 1974? |
There are many companies advertising their services to instruct solicitors to challenge the legality of such agreements signed before 1 April 2007. The cost is very much lower than an IVA or bankruptcy and there is a lot less pressure on the debtor. The Citizens Advice Bureau cannot advise on the legalities of this, so the debtor is only able to achieve this via one of the companies.
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how can i get my creditor to stop charging me interest on my debt |
i got into financial difficulties after splitting with my partner i contacted citizens advice who negotiated with my creditors to reduce my repayments to a more manageable size however one creditor is still charging me excessive amounts of interest and two and a half years on my debt has hardly diminished can you advise how i can try to get my interest charges down it is a personal loan with aa
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do gregory pennington help in getting a loan to buy a car ? im in a repayment plan with them |
i am a driving instructor and a need another car i have approx £2000 to £2500 deposit i need to borrow another £4000
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Is it really worth paying back my debt? |
I am currently in about £10,000 of debt and am working as a temp for an agency since losing my permanent job. The debt is starting to get on top of me and I am paying around £350 of debt each month and also have rent and other bills to pay. I just cant see how I am ever going to get anywhere with it and the stress of not having any money to allow myself to live is starting to take its toll.
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Can I create a DMP without it effecting my husbands credit? |
I want to set up a DMP. My husband and I do not have any credit cards together, so I was wondering if I were to do this would it effect his credit at all? I am not submitting anything with his name on it.
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Will my business be affected if I try sort out my personal £50 of debt by sending offers? |
I am a one of three directors of a Limited company and I personally owe £45 to 4 credit cards and a loan. I am struggling to pay these and I am going to write to hopefully freeze the interest and offer pro-rota payments. I know this will affect my credit score which is no problem but I need to know whether my work would find out and also I use the same Bank fro both business and home.
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why can i not sell my house!!! |
i have secured and unsecured loan on my flat as well as mortgage. i had problems and at the moment i just pay mortgage and secured loan.
for unsecured loan i sign the agreement with debt collecting company for 20 pound per month.
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i am worried that my salary of just over £30,000 pa will affect an iva |
i have a salary of just over £30,000.00 pa and am worried that setting up an iva may cost me more in repayments than i am presently paying. I have 4 credit cards, a store card, 4 mobile phone contracts, a car on hp, an overdraft and a loan. i am currently meeting all minimum payments, of roughly £1250 per month, and earn £2000 per month. will i lose my car and mobile contracts?
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Hello a quesition regarding bankruptcy |
Hello I am training as mortgage adviser and have started my cemap course. I was made bankrupt in 2006 june and am now very concerned that i can't work in this industry getting mortgages for people under the "fit and proper rule".
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Pay off debts before moving or not? |
My partner has unsecured debts and has fallen behind with payments. We both own our flats but are selling them both to move in together. Due to her credit score, she will not be applying jointly for the mortgage; this will be in my sole name. We want to keep her equity, rather than using it to clear her debts, because we need a good deposit. (There is very little equity in my property).
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My name is on the house but I don't pay the mortgage |
My name is on the house but the mortgage is in my mum's and partners name with me only contributing to living costs. I am worried that if I apply for an IVA then my creditors will make me auction the house to pay them. Is there anything that I can do?
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Debt Management Plan |
I have aprox 3ok of unsecured debt in my name only, will my wifes income have to be taken into account?
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debt management plan |
hi i am with the cccs on a plan with 2 creditors total £16500. however i have got overdrawn at my bank £1500 because i needed to replace my vehicle i rely on having a car for work and taking my daughter to and from school. can i add this debt to my debt management plan at all thankyou??
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How much to settle £12K of debt early? |
I have £12K of debt and currently in a DMP paying a fraction of the amount. If I were to come into some money, how likely is it that my creditors would accept a smaller amount as full and final payment to pay off the whole amount?
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cant get mortgage |
i have a house valued at £276000. and i owe £187000. i am currently on a bridging loan, and want to change it to mortgage. the bank wont give me a mortgage because i have a tenant living in the house, and they dont do investment mortgages anymore. i can afford to pay it, and have a good credit history. what options do i have?
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Hi i was in a debt management plan but now they have cancelled it. |
Hi i was in a debt management plan with the ccs and yesterday they cancelled it.
In february my lease run out of my rented house and i couldnt afford the rent increase so i had to move out.
One of my relatives used there savings so i could buy a shared ownership house for me and my son and them.
To get a mortgage i had to pay off 2 of my creditors using my relatives savings.
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Are we going to lose our home ? |
I have today found out that my husband owes more than £20,000 on credit cards and loans that I was totally unaware he had .Our home is owned outright with both of our names on the deeds so is it a safe bet we are going to lose it ?
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why is a debt collector looking for me? |
I have just moved home and have been going back to collect mail from my old house off the new tenants. When i went for mail the new tenants said there had been a debt collector looking for me.I have no outstanding debt. Why would they be looking for me?
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My Debts |
I have been in a debt management plan with my wife for a while now with payplan (3 Years) we owe approximately 40k still. These debts are all unsecured apart from one, The finance company at the time (Alliance & Leicester) took us to court for a charging order and this was granted that is the only debt we have in joint name.
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Hi i started a businuss three and a half years ago.I have a secured loan of £45000 . |
I have a secured loan of £45000 against my house from the bank.The business is a LTD business.I have other loans and credit cards amounting to £10,000 that i have built up over the last three years keeping the business afloat .I Am finding it very hard to keep up payments .I have been told there is a way of getting the credit card and loans electric ect wiped while still carrying on paying the ban
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ive been on a debt management since 2004 and i had 15k still on the plan now |
when i took dmp out i was advised i would be debt free in 5 years at first i went to a company called gemstone in 2004 with 15k debt then went onto a comapny called payplan to this day im still owing 9k, is this normal
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Will debt collection agencies contact my relatives? |
I've emigrated abroad recently and my partner was supposed to be the breadwinner - its his country we've moved back to! But he hasn't managed to get a job more that two days a week. Our debts in the UK are around £15k - with several different companies. At the moment I cant pay them back. I am concerned that debt collection companies will contact my relatives in an attempt to get money...
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debt management plans |
i am currently paying a feie for my debt management plan. I would like to transferr to a company that does not charge. Is this possible ?
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We have property abroad we cannot afford to pay mortgages on can they take our English home? |
We have investments abroad that have we cannot afford to pay mortgages on. We have properties here and my son and I have a joint mortgage with our wives. Even though we are unable to pay, we keep our mortgages here up to date, can the overseas debtors try and take our property here, or are they protected as they are mortgaged and effectively part owned by a British Bank?
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Divorced 6 years exhusband has been made bankrupt can they claim on my house in my sole name |
I have been divorced 6 years. Exhusband has remarried and run up debts to inland revenue. They have made him bankrupt and are now asking about my house. We made a settlement out of Court where he signed the house over to me we both worked full time and paid the mortgage jointly. The agreement was he had 50k out of the property to pay his credit cards and other debts.
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I'm on a DMP owing £48,000. I need a mortgage. Where can I get one? |
I'm splitting up with my husband. I have a house to sell which will give me a £20,000 deposit. The house I would like to buy is £100,000. I have been paying the mortgage on my current property so this would reduce my payments considerably.
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I am on a fee paying Debt Management Plan because I was confused and in a state at the time. |
I now feel I can deal with the debt myself and feel I have been ripped off. Would I be able to carry on paying the same amounts to my creditors or would this put me in more of a mess?