The DFW Dictionary
immoral_angeluk
Posts: 24,506 Forumite
Debt- money that is owed or that one is bound to repay for goods or services.
Debtor– a person who is in Debt and owes money
Credit– A lending facility based on a company’s confidence in a purchaser's ability
and intention to pay, displayed by entrusting the buyer with goods or services without immediate payment.
Creditor – The Company, person or organisation who lends a debtor money.
Consolidation – The act of paying off numerous other loans, credit cards or other debts with a larger new loan.
IVA – Individual Voluntary Arrangement - enables you to make a formal proposal for payment to your creditors through an Insolvency Practitioner. The proposed payments will be less than the full amount of the debt owed but your creditors would be accepting the offer in full and final settlement of their claim. See Here..
DMP- Debt Management Plan - is a simple and effective way to pay your non-priority creditors. Your DMP provider will calculate the amount you can afford to pay after giving consideration to your priority debts - mortgage, utilities, council tax etc and day-to-day living expenses. Any money left is then paid as a single monthly payment and then distributed to your non-priority creditors on your behalf. See Here...
Bankruptcy – Is a legal procedure for dealing with debts you can no longer afford to repay. It is possible for a creditor to petition for your Bankruptcy if you owe the creditor more than £750 but it is rare for this to happen in normal consumer debt cases. See Here..
Default - default occurs when a debtor has not met its legal obligations according to the debt contract, e.g. it has not made a scheduled payment, or has violated a loan covenant (condition) of the debt contract. Default may occur if the debtor is either unwilling or unable to pay their debt.
Credit Score -a numerical expression based on a statistical analysis of a person's credit files, to represent the creditworthiness of that person, which is the perceived likelihood that the person will pay debts in a timely manner. A credit score is primarily based on credit report information, typically sourced from credit bureaus / credit reference agencies. See Credit Rating: How it works Guide
Cap UK- Christians Against Poverty is a network of local help centres where members will help you complete forms, in the comfort of your own home in some cases, and even come to court with you if need be. It doesn't matter that you're not a Christian, this isn't a requisite for asking them for help.
CCCS - The Foundation for Credit Counselling, based in Leeds, is the umbrella charity for the Consumer Credit Counselling Service in the United Kingdom. Through its free national telephone service, ten regional centres and online CCCS Debt Remedy, CCCS is able to help people with debt problems wherever they live.
Payplan -Based in Grantham in Lincolnshire, they offer a national service helping people with Debt. They are the UK's largest provider of free debt management plans. Payplan provides free debt advice and free debt solutions for anyone experiencing financial difficulties.
Citizens Advice Bureau - (CAB) - Citizens Advice and each Citizens Advice Bureau are registered charities reliant on over 20,000 volunteers and need to raise funds to provide these vital services. The majority of advisers are trained volunteers, helping people to resolve nearly 5.5 million problems every year.
Statute Barred - If a lender allows time (6 years and 1 month from default) to pass without receiving any payment an action for recovery may become barred under the limitations act 1980. If the debtor acknowledges the debt in writing or makes a part payment within the original limitation period, then the time limits start to run again from the date of acknowledgement or the date of payment.
Limitations Act 1980 - The Limitation Act 1980 is a British Act of Parliament. It is a statute of limitations which provides timescales inside which action may be taken (by issuing a claim form) for breaches of the law. For example it provides that breaches of an ordinary contract are actionable for six years after the event, whereas breaches of a deed are actionable for twelve years after the event. In most cases, after the expiry of the time periods specified in the Act the remedies available for breaches are extinguished and no action may be taken in the courts in respect of those breaches.
Debt Collection Agency - (DCA) -- A collection agency is a business that pursues payments on debts owed by individuals or businesses. Most collection agencies operate as agents of creditors and collect debts for a fee or percentage of the total amount owed. Some also purchase debts from creditors for a fraction of the value of the debt and pursue the debtor for the full balance. Creditors typically send debts to a collection agency in order to remove them from their accounts receivable records; the difference between the amount collected and the full value of the debt is then written off as a loss. Debt collection agencies have a reputation for engaging in threatening behavior, harassment, and coercion. However, in many countries, collection agencies are governed by laws that prohibit certain abusive practices. Failure to adhere to such laws may result in lawsuits or government regulatory actions.
Repossession - is generally used to refer to a financial institution taking back an object such as a house or car, that was either used as collateral or rented or leased in a secured debt. See Repossession help guide.
Bailiff - a legal officer to whom some degree of authority, care or jurisdiction is committed. Bailiffs are of various kinds and their offices and duties vary greatly. Often used to recover defaulted debts after a CCJ has been obtained by the creditor.A Bailiff is an official of court and has the power to seize goods and sell them at auction to settle a debt.
County Court Judgement - CCJ - In England and Wales (Scotland has its own legal system), CCJs are legal decisions handed down by County Courts. Judgments for monetary sums are entered on the Register of County Court Judgments, which is checked by credit reference agencies to assess the credit-worthiness of individuals. If the debtor continues to default on a CCJ the creditor may apply for a charging order which would secure the debt on a property. Creditors can also apply for an attachment of earnings which would oblige the debtor's employer to deduct monies from their salary and send them to the court. A Third Party Debt order would oblige a third party who holds money belonging to the debtor (for example a bank) to pay the debt. It is also possible to have the court appoint a Bailiff to collect the debt.
Charging Order - A Charging order, in English law, is an order obtained from a court or judge by a creditor, by which the property (usually a house) of the debtorstands charged with the payment of the amount for which judgment shall have been recovered, with interest and costs, usually after the debtor sells the house.
Statement of Affairs - (SOA) - A written out list of all income, outgoings, debts, and other other financial information that can be used to create a budget, or to negotiate payments with creditors, for example in a DMP or IVA.
Consumer Credit Act 1974 - (CCA) - Consumer protection law in the UK. It requires certain businesses to obtain Consumer credit licences and protects individuals receiving credit up to £25,000. Appeals under the Consumer Credit Act are made to the OFT. Cancellable agreements have a cooling-off period starting on the day the customer signs. This period is 14 days for goods bought from a mail-order catalogue. Otherwise, it is five days from the day the customer receives either a second copy of the agreement or a separate copy of a notice of cancellation rights. The Act is modified by the Consumer Credit Act 2006
Consumer Credit Agreement - (CCA) - A contract between the debtor and the creditor in exchange for money or services. WIthout a signed CCA a debt cannot be enforced, as there is no proof that the debt legally belongs to the debtor.
Credit Reference Agency - (CRA) - There are 3 credit reference agencies who hold financial information, in the form of a credit file, about everyone. Including payment history, current debt and bank accounts, defaults, CCJs, financial associations etc. Creditors will refer to credit reference agencies when assessing whether they will lend to you while performing a credit search.
Debt Collector - A representative of a Debt Collection Agency, sent to a debtor's home to try and negotiate repayment of a debt. Debt Collectors have no power to demand money, enter your home or remove goods, and are merely representative of the DCA.
Office of Fair Trading - (OFT )- A non-ministerial government department of the United Kingdom, established by the Fair Trading Act 1973, which enforces both consumer protection and competition law, acting as the UK's economic regulator. The OFT's goal is to make markets work well for consumers, ensuring vigorous competition between fair dealing businesses and prohibiting unfair practices such as rogue trading, scams and cartels.
Annual Percentage Rate - (APR) -An expression of the interest rate that the borrower will pay on a loan, taking into account one-time fees and standardizing the way the rate is expressed. In other words the APR is the total cost of credit to the consumer, expressed as an annual percentage of the amount of credit granted. APR is intended to make it easier to compare lenders and loan options. For a detailed explanation see the Interest Rates for Beginners guide
Annual Equivalent Rate - (AER) -Also known as effective interest rate, effective annual interest rate, or simply effective rate, is the interest rate on a loan or financial product restated from the nominal interest rate as an interest rate with annual compound interest included.
Compound Interest - Interest that is earned on the interest that has already been paid, such as with credit cards.
Cashback webites - Websites that pay you cashback when you click through to a website for them. For a full guide to how they work, see the top cashback sites guide
Quidco - A cashback website in which you can get cashback for clicks, sign ups and purchases made through their referral links..
Pigsback- Similar to Quidco but you earn piggypoints which are then used to 'buy' vouchers such a £10 boots vouchers etc..
TopCashBack (TCB) - Same as quidco.
Full and Final Settlement - (!!!!!!) -Where a creditor or DCA accepts a reduced figure in agreement with the debtor, to settle the debt and mark it as settled on a credit record.
Partial Settlement - A term DCAs or creditors use meaning that a lump sum has been paid off the debt. The debt will NOT be marked as settled or closed on a credit record and the DCA/Creditor retains the right to pursue the debtor for the remaining balance at any time.
Snowballing - A term used as a faster method of paying off debts by paying one off, then using the money saved to make extra payments on others, hence the term snowball (ie the more you pay off, the more you have to pay off, like a snowball rolling down a hill, it gets bigger the further it goes..). Used as part of the Credit Card Shuffle technique for cutting costs of debt without new credit, also see the Snowball Calculator
(Lending) Underwriter - the lovely, caring person at the bank who thoughtfully assesses whether or not you can afford the loan you have asked for...
(Thanks snaggles.. :rotfl:)
Secured Debt - A debt where something is specified as collateral to the debt being repaid, such as a house or car. This is usually the case with higher value debts such as mortgages or large loans. In the event of the debt not being repaid, the collateral may be repossessed by the creditor in order to repay the debt.
Non Secured Debt - A debt that has nothing secured as collateral, and no home, car or other item will be repossessed if the debtor fails to repay, unless in the case where the creditor obtains a charging order against the debtors property.
Wombling - The act of collecting discarded tesco receipts, and then taking them to the store to have the clubcard points applied to your clubcard account.
Lightbulb moment - what we MSE'ers and DFW's term as the moment of realisation whereby we need to start to tackle our debt head on instead of getting more.
Debtor– a person who is in Debt and owes money
Credit– A lending facility based on a company’s confidence in a purchaser's ability
and intention to pay, displayed by entrusting the buyer with goods or services without immediate payment.
Creditor – The Company, person or organisation who lends a debtor money.
Consolidation – The act of paying off numerous other loans, credit cards or other debts with a larger new loan.
IVA – Individual Voluntary Arrangement - enables you to make a formal proposal for payment to your creditors through an Insolvency Practitioner. The proposed payments will be less than the full amount of the debt owed but your creditors would be accepting the offer in full and final settlement of their claim. See Here..
DMP- Debt Management Plan - is a simple and effective way to pay your non-priority creditors. Your DMP provider will calculate the amount you can afford to pay after giving consideration to your priority debts - mortgage, utilities, council tax etc and day-to-day living expenses. Any money left is then paid as a single monthly payment and then distributed to your non-priority creditors on your behalf. See Here...
Bankruptcy – Is a legal procedure for dealing with debts you can no longer afford to repay. It is possible for a creditor to petition for your Bankruptcy if you owe the creditor more than £750 but it is rare for this to happen in normal consumer debt cases. See Here..
Default - default occurs when a debtor has not met its legal obligations according to the debt contract, e.g. it has not made a scheduled payment, or has violated a loan covenant (condition) of the debt contract. Default may occur if the debtor is either unwilling or unable to pay their debt.
Credit Score -a numerical expression based on a statistical analysis of a person's credit files, to represent the creditworthiness of that person, which is the perceived likelihood that the person will pay debts in a timely manner. A credit score is primarily based on credit report information, typically sourced from credit bureaus / credit reference agencies. See Credit Rating: How it works Guide
Cap UK- Christians Against Poverty is a network of local help centres where members will help you complete forms, in the comfort of your own home in some cases, and even come to court with you if need be. It doesn't matter that you're not a Christian, this isn't a requisite for asking them for help.
CCCS - The Foundation for Credit Counselling, based in Leeds, is the umbrella charity for the Consumer Credit Counselling Service in the United Kingdom. Through its free national telephone service, ten regional centres and online CCCS Debt Remedy, CCCS is able to help people with debt problems wherever they live.
Payplan -Based in Grantham in Lincolnshire, they offer a national service helping people with Debt. They are the UK's largest provider of free debt management plans. Payplan provides free debt advice and free debt solutions for anyone experiencing financial difficulties.
Citizens Advice Bureau - (CAB) - Citizens Advice and each Citizens Advice Bureau are registered charities reliant on over 20,000 volunteers and need to raise funds to provide these vital services. The majority of advisers are trained volunteers, helping people to resolve nearly 5.5 million problems every year.
Statute Barred - If a lender allows time (6 years and 1 month from default) to pass without receiving any payment an action for recovery may become barred under the limitations act 1980. If the debtor acknowledges the debt in writing or makes a part payment within the original limitation period, then the time limits start to run again from the date of acknowledgement or the date of payment.
Limitations Act 1980 - The Limitation Act 1980 is a British Act of Parliament. It is a statute of limitations which provides timescales inside which action may be taken (by issuing a claim form) for breaches of the law. For example it provides that breaches of an ordinary contract are actionable for six years after the event, whereas breaches of a deed are actionable for twelve years after the event. In most cases, after the expiry of the time periods specified in the Act the remedies available for breaches are extinguished and no action may be taken in the courts in respect of those breaches.
Debt Collection Agency - (DCA) -- A collection agency is a business that pursues payments on debts owed by individuals or businesses. Most collection agencies operate as agents of creditors and collect debts for a fee or percentage of the total amount owed. Some also purchase debts from creditors for a fraction of the value of the debt and pursue the debtor for the full balance. Creditors typically send debts to a collection agency in order to remove them from their accounts receivable records; the difference between the amount collected and the full value of the debt is then written off as a loss. Debt collection agencies have a reputation for engaging in threatening behavior, harassment, and coercion. However, in many countries, collection agencies are governed by laws that prohibit certain abusive practices. Failure to adhere to such laws may result in lawsuits or government regulatory actions.
Repossession - is generally used to refer to a financial institution taking back an object such as a house or car, that was either used as collateral or rented or leased in a secured debt. See Repossession help guide.
Bailiff - a legal officer to whom some degree of authority, care or jurisdiction is committed. Bailiffs are of various kinds and their offices and duties vary greatly. Often used to recover defaulted debts after a CCJ has been obtained by the creditor.A Bailiff is an official of court and has the power to seize goods and sell them at auction to settle a debt.
County Court Judgement - CCJ - In England and Wales (Scotland has its own legal system), CCJs are legal decisions handed down by County Courts. Judgments for monetary sums are entered on the Register of County Court Judgments, which is checked by credit reference agencies to assess the credit-worthiness of individuals. If the debtor continues to default on a CCJ the creditor may apply for a charging order which would secure the debt on a property. Creditors can also apply for an attachment of earnings which would oblige the debtor's employer to deduct monies from their salary and send them to the court. A Third Party Debt order would oblige a third party who holds money belonging to the debtor (for example a bank) to pay the debt. It is also possible to have the court appoint a Bailiff to collect the debt.
Charging Order - A Charging order, in English law, is an order obtained from a court or judge by a creditor, by which the property (usually a house) of the debtorstands charged with the payment of the amount for which judgment shall have been recovered, with interest and costs, usually after the debtor sells the house.
Statement of Affairs - (SOA) - A written out list of all income, outgoings, debts, and other other financial information that can be used to create a budget, or to negotiate payments with creditors, for example in a DMP or IVA.
Consumer Credit Act 1974 - (CCA) - Consumer protection law in the UK. It requires certain businesses to obtain Consumer credit licences and protects individuals receiving credit up to £25,000. Appeals under the Consumer Credit Act are made to the OFT. Cancellable agreements have a cooling-off period starting on the day the customer signs. This period is 14 days for goods bought from a mail-order catalogue. Otherwise, it is five days from the day the customer receives either a second copy of the agreement or a separate copy of a notice of cancellation rights. The Act is modified by the Consumer Credit Act 2006
Consumer Credit Agreement - (CCA) - A contract between the debtor and the creditor in exchange for money or services. WIthout a signed CCA a debt cannot be enforced, as there is no proof that the debt legally belongs to the debtor.
Credit Reference Agency - (CRA) - There are 3 credit reference agencies who hold financial information, in the form of a credit file, about everyone. Including payment history, current debt and bank accounts, defaults, CCJs, financial associations etc. Creditors will refer to credit reference agencies when assessing whether they will lend to you while performing a credit search.
Debt Collector - A representative of a Debt Collection Agency, sent to a debtor's home to try and negotiate repayment of a debt. Debt Collectors have no power to demand money, enter your home or remove goods, and are merely representative of the DCA.
Office of Fair Trading - (OFT )- A non-ministerial government department of the United Kingdom, established by the Fair Trading Act 1973, which enforces both consumer protection and competition law, acting as the UK's economic regulator. The OFT's goal is to make markets work well for consumers, ensuring vigorous competition between fair dealing businesses and prohibiting unfair practices such as rogue trading, scams and cartels.
Annual Percentage Rate - (APR) -An expression of the interest rate that the borrower will pay on a loan, taking into account one-time fees and standardizing the way the rate is expressed. In other words the APR is the total cost of credit to the consumer, expressed as an annual percentage of the amount of credit granted. APR is intended to make it easier to compare lenders and loan options. For a detailed explanation see the Interest Rates for Beginners guide
Annual Equivalent Rate - (AER) -Also known as effective interest rate, effective annual interest rate, or simply effective rate, is the interest rate on a loan or financial product restated from the nominal interest rate as an interest rate with annual compound interest included.
Compound Interest - Interest that is earned on the interest that has already been paid, such as with credit cards.
Cashback webites - Websites that pay you cashback when you click through to a website for them. For a full guide to how they work, see the top cashback sites guide
Quidco - A cashback website in which you can get cashback for clicks, sign ups and purchases made through their referral links..
Pigsback- Similar to Quidco but you earn piggypoints which are then used to 'buy' vouchers such a £10 boots vouchers etc..
TopCashBack (TCB) - Same as quidco.
Full and Final Settlement - (!!!!!!) -Where a creditor or DCA accepts a reduced figure in agreement with the debtor, to settle the debt and mark it as settled on a credit record.
Partial Settlement - A term DCAs or creditors use meaning that a lump sum has been paid off the debt. The debt will NOT be marked as settled or closed on a credit record and the DCA/Creditor retains the right to pursue the debtor for the remaining balance at any time.
Snowballing - A term used as a faster method of paying off debts by paying one off, then using the money saved to make extra payments on others, hence the term snowball (ie the more you pay off, the more you have to pay off, like a snowball rolling down a hill, it gets bigger the further it goes..). Used as part of the Credit Card Shuffle technique for cutting costs of debt without new credit, also see the Snowball Calculator
(Lending) Underwriter - the lovely, caring person at the bank who thoughtfully assesses whether or not you can afford the loan you have asked for...
(Thanks snaggles.. :rotfl:)Secured Debt - A debt where something is specified as collateral to the debt being repaid, such as a house or car. This is usually the case with higher value debts such as mortgages or large loans. In the event of the debt not being repaid, the collateral may be repossessed by the creditor in order to repay the debt.
Non Secured Debt - A debt that has nothing secured as collateral, and no home, car or other item will be repossessed if the debtor fails to repay, unless in the case where the creditor obtains a charging order against the debtors property.
Wombling - The act of collecting discarded tesco receipts, and then taking them to the store to have the clubcard points applied to your clubcard account.
Lightbulb moment - what we MSE'ers and DFW's term as the moment of realisation whereby we need to start to tackle our debt head on instead of getting more.
A little note from IA.. please bare in mind when looking up these definitions that finance law in England and Wales is different to that in Scotland, and before commiting to anything it is a good idea to get professional advice from one of the debt charities listed below. I have tried to be as accurate as possible but if there's any errors or anything please PM me and I will edit it accordingly.
I really hope this can help someone!
:money:
Total 'Failed Business' Debt £29,043
Que sera, sera.
Que sera, sera.
0
Comments
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Template Letters -
(PDF's Courtesy of National Debtline)You can download the PDF Template letters from the National Debtline's website, just click on the drop down menu and choose the letter you need, and it will open a new page in PDF format in which you can just edit it as you need to and print it.Click Here:money:DFW Lingo –LOL – Laugh out loud
ROTFL – Roll on the floor laughing
LMAO – Laugh my a**e off
DH,DS,DD,DP,DW etc – Darling…. Husband, son, daughter, partner, wife etc
!!!!!!? – What the f***?
NSD - No Spend day
!!!!!! - For ****'s sake
IYSWIM - if you see what I mean
IYKWIM - if you know what I mean
TMI - too much information
OP - original poster
IMHO/IMO - In my honest opinion/In my opinion
DFD - Debt Free Date
DFW - Debt Free Wannabe (well, some people DO ask...)
OS - Old Style
MB - matched betting
HTH - Hope that/this helps
PMPL - Peeing my pants laughing
ROTFLMAOWPMP - Rolling on the floor laughing my a**e off while peeing my pants laughing..
LTPCO - Laugh till pee comes out (courtesy of BunnyInTheLights)
HSW - HighStreetWeb, a 'quidco click'
PPI - Payment Protection Insurance
PLPP - Personal Loan Payment Protection
PP - Payment Protection
CAG - Consumer Action Group
IIRC - If I remember correctly
Troll - A person who posts intentionally controversial posts to cause fights and arguments between posters.Originally Posted by pinkrach001
hiya! im a "newbie" lol and have a really dumb question..... what are trolls??? i mean apart from shrek like creatures hiding under bridges waiting to rip poor lil sheep apart???
oh, have i just answered my own question
rach xxLTR - Long time reader
FTP - First time poster
CC - Credit card
DD - Direct debit
CCA - Consumer Credit agreement
WEM - Winning Email
BOGOF - Buy one get one free:money:Useful Websites -www.moneysavingexpert.com Don't miss out on the guides in the main site!
www.cccs.co.uk CCCS Debt help/advice
www.payplan.co.uk - Payplan Debt help/advice
www.nationaldebtline.co.uk - National Debtline Debt Advice
www.citizensadvice.co.uk - Citizens Advice Bureau
www.samaritians.org - 24hr Confidential Emotional Support
www.entitledto.co.uk - free 'benefit check up' site
www.whatsthecost.co.uk/snowball.aspx - Snowball Calculator
www.whatsthecost.com/tax.aspx - UK Tax and NI Calculator
www.saynoto0870.co.uk - Alternative number finderHelpful Numbers -Payplan - 08009177823
CCCS 0800 138 1111
National Debtline 0808 808 4000
Business Debt Line 0800 197 6026
CAB – Contact your local office and ask to speak to a Specialist Financial Advisor.and finally...Samaritians - For Confidential emotional support 24 hours a day.
08457 90 90 90 or [EMAIL="jo@samaritians.org"]jo@samaritians.org[/EMAIL]:money:To Report Abusive Posts or Spam -
[EMAIL="abuse@moneysavingexpert.com"]abuse@moneysavingexpert.com[/EMAIL]:money:
References used:
www.cccs.co.uk
www.payplan.co.uk
www.citizensadvice.co.uk
www.wikipedia.org
www.dictionary.com
Tigerfeet2006's Sig :shhh:
IA’s Brain..Total 'Failed Business' Debt £29,043
Que sera, sera.
0 -
Thank you, this will help many people. I remember when I first came on here I spent ages trying to work out what SOA meant. Even though I could see people were posting their affairs it just never registered with me that it meant Statement of Affairs! Doh!!!£2 savers club. No.90. Aim £500.0
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SOA and a few other bits added... any more anyone can think of?Total 'Failed Business' Debt £29,043
Que sera, sera.
0 -
They should add this to the stickyNo longer using this account for new posts from 20130
-
Great Idea!
NSD - No Spend Day
CRA - Credit Reference Agency (Experian, Equifax, Call Credit)"I wasn't wrong, I just wasn't right enough.":smileyhea97800072589250 -
shameless bump... lolTotal 'Failed Business' Debt £29,043
Que sera, sera.
0 -
hey
there are a few i'm confused my
imoh? (in my honest opinion)
and one, isymn - not sure on this I saw something similar in a diary yesterday and confused me! i'll have look and see if I can find.
Jen
xDFW 715Debt Free!!! As of 20/2/09
Now saving for my wedding next year
0 -
great post IA, wish i'd found it a few weeks ago! :rotfl:Debt Now~Total-£14,366.72~CC-£1,600.00~Sofa-£1,349.01~Loan-£11,417.71
:eek:Debt@Oct 12~Total £15,674.60~CC-£1,636.40~Sofa-£1,648.77~Loan-£12,389.43:eek:0 -
IYSWIM - if you see what I mean
IYKWIM - if you know what I mean
TMI - too much information
OP - origional poster (I think??????)
HTH - hope that/this helpsMortgage free as of 12/08/20!
MFiT-5 no 45You can't fly with one foot on the ground!0 -
DFD - Debt Free Date
DFW - Debt Free Wannabe (well, some people DO ask...)
OS - Old Style
MB - matched betting"I wasn't wrong, I just wasn't right enough.":smileyhea97800072589250
This discussion has been closed.
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