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72k in debt....I feel sick
Comments
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do the 'prescribed terms' of a cca have to state:
i) a credit limit or amount of credit
ii) the rate of interest
iii) a repayment schedule
?
because this document doesn't appear to have this information on it."happiness is...positive cashflow!":j0 -
It must contain what I posted earlier, if they don't have the information most creditors / DCAs wil send you what they believe to be acceptable.
However, they must conply with what legislation states, if theyf ail to do so they enter default, and any action taken by them can be viewed as illegal.Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
sorry i think our posts crossed there... could i PM the financial and related conditions to you as it doesn't contain any personal info? it would be great if you could take a look for me
"happiness is...positive cashflow!":j0 -
OK send what you haveClick here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
i have just PM'd a link to the cca ...many thanks x"happiness is...positive cashflow!":j0
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I've not received your PMClick here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
I think you need bankruptcy..you have no equity in your house..do yourself a favour and get rid of this debt in 12 months.....why oh why do you think you can keep this up for 27 years...good luck and think about it....It is nice to see the value of your house going up'' Why ?
Unless you are planning to sell up and not live anywhere, I can;t see the advantage.
If you are planning to upsize the new house will cost more.
If you are planning to downsize your new house will cost more than it should
If you are trying to buy your first house its almost impossible.0 -
hi 10past6 i have sent the PM twice...have you still not got it?"happiness is...positive cashflow!":j0
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No
Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
have just replied to your pm now"happiness is...positive cashflow!":j0
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