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Author Archives: Dave Morrison
Discover A Formula For A Full And Final Debt Settlement Presentation To The Creditors
If the number of loans and the monthly repayments are getting hard to handle, then an offer to settle the debt by making a part payment to the creditor can help. Offering to pay a lump sum, which is less than the balance owing, in return for the remaining portion being written off is called a full and final debt settlement offer. Usually the offer is a percentage of the total balance owing to the creditor. Continue reading
Posted in Debt
Tagged Business, Debt, Debt consolidation, debt help, debt settlement, Finance, Money, settle my debt
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Reasons To Think Of The Plan Of Getting Out Of Debt With A Scottish Trust Deed
There are times when you might feel the crushing effects of debt repayment. In today’s topsy turvy financial environment of increasing interest rates and reducing income levels coupled by rising inflation debt repayment is more often than not nightmarish. Increasing debt levels have been known to drive people to distraction. The good news is that help is here now since getting out of debt with a Scottish trust deed became operational. Continue reading
Posted in Debt
Tagged Debt, debt help, debt help scotland, Finance, Money, Personal Finance, protected trust deed, protected trust deeds, scottish trust deed, scottish trust deeds, trust deed, trust deed scotland, trust deeds
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Could PPI claims help you pay off your debt?
Payment Protection Insurance is one of the most profitable products offered by lenders. Most people think the banks make the majority of their money from the interest charged on credit cards and loans but it may come as a surprise that these are not among the top earners. When it comes to insurance, for every 100 charged by a lender there is only a 15% chance a customer will ever make a claim against them, and even if they do most lenders wriggle out of ever paying up due to exclusions in the small print which prevent consumers from qualifying to reclaim their PPI. Continue reading
Posted in Debt
Tagged Debt, insurance, mis selling, Money, payment protection insurance, ppi, ppi claim, reclaim ppi
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Some Details About The Scottish Trust Deed Debt Solution
The Scottish Trust Deed debt solution offers Scottish borrowers a more appealing alternative to sequestration, the process of bankruptcy. There is unavoidable damage to the credit rating. But, 6 years after entering into this arrangement, the credit report will no longer show it. Continue reading
The affect of a Scottish Protected Trust Deed on your credit rating
Determining How Does A Scottish Protected Trust Deed Affect Your Credit Rating is very important before to know if you are considering such an agreement. A Scottish trust deed repayment agreement made between an individual and their creditors. Continue reading
Scottish Trust Deeds – A debt solution for Scottish residents
Most people have never actually heard of a Scottish Trust Deed before. When people hear the phrase ‘Trust Deed’ they usually associate it with the property industry, which it is, but not in the sense of a debt solution. A Scottish Trust Deed is actually a government approved scheme to help Scottish residents get out of debt. Scotland has seen a surge in people suffering with debt problems, as well as England and the rest of the world, mainly due to the recession which was brought on by the banks. High flying bankers are sat at the top laughing while the government drives in more money for yet another bailout and it’s the people at the bottom, the taxpayer, who have to pick up the bill. Unfortunately we will never get rid of debt, it will be with us for decades and the likelihood is our grandchildren will have to pick up some of the bill. Anyway, I’m steering from the topic now… Continue reading
Posted in Debt
Tagged Business, Business and Finance, Debt, Debt consolidation, Debt relief, Finance
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A Fast Synopsis Of Winding Up Petitions And Corporate Insolvency
Winding Up Petitions and Corporate Insolvency is a dramatic way to reclaim an unpaid debt. A vendor can use this method when it cannot recoup an outstanding debt from a company. The usual debt collection venues have to be exhausted. If payment is still not forthcoming, the vendor can petition the court to wind up and liquidate the business. Continue reading
Posted in Debt
Tagged Business, corporate, Debt, Finance, insolvency, Money, winding up petition
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Debt Arrangement Scheme – Main Details
This financial tool was created by the Scottish Government in two thousand and two to help those with overwhelming debts. It is a program called the debt arrangement scheme. For those who owe money to multiple creditors, this program provides financial education, while giving them the opportunity to avoid bankruptcy. It is available to all who live in Scotland. Continue reading
Posted in Debt
Tagged Business, Cash, Debt, debt arrangement scheme, Finance, Money, money adviser
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You Could Have A Case To File For PPI Reclaims
If you have paid for an optional insurance that you did not want and did not know you were paying for, you may be able to submit PPI reclaims. Many problems concerning this loan repayment insurance have appeared. Some of them involve unscrupulous lenders who are trying to increase commissions by deceiving customers. Continue reading
Understanding How Does A Scottish Protected Trust Deed Affect Your Credit Rating
Determining How Does A Scottish Protected Trust Deed Affect Your Credit Rating is very important before to know if you are considering such an agreement. A Scottish trust deed repayment agreement made between an individual and their creditors. Continue reading
Posted in Debt
Tagged Debt, debt help, debt help scotland, Finance, Money, Personal Finance, protected trust deed, protected trust deeds, scottish trust deed, scottish trust deeds, trust deed, trust deed scotland, trust deeds
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Can Writing Off Debt With An Unenforceable Credit Agreement Hurt Your Credit?
Writing off debt with an unenforceable credit agreement is possible because many loan documents do not comply with the provisions of the Consumer Credit Act of 1994. An agreement that is not properly drafted can be declared invalid – which means that you will not have to repay the amount of the loan. Continue reading