true words!not kind words, you are a rare diamond in a mountain of rock. Keep up the good work, together we can ensure that as many people as we can get the right advice - it is so important
This process was recently advertised in my local community paper...I left my details for someone to phone me. Not because I wanted to get out of paying anything, but because I wanted to speak to the person who was advertising this service and fire questions at him.
Needless to say they never returned my calls.
Don't get me wrong I'd love to wake up tomorrow debt free, but my tomorrow will come when I have tried my best to pay off as much as I owe. I might be in debt but I have my pride and morals.
I think anyone who explores this avenue will come a cropper eventually.
Debt avoidance sucks. I am in a trust deed in scotland and several of these companies have contacted me to tell me they can help me out. They are all as ropey as each other and should be avoided at all costs. I will pay as much of my debt back as I can,I certainly wont try to squirm my way out of it,after all its my debt!!
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
i have a friend who through a consumer advice group she joined on the net is going through something similar to this, i don't know all the details so am not able to comment although i do recall that if they can't provide the original and not a photo copy of the agreement that was set out at the outset of the loan etc then it could be argued as being null and void, i think that is the top and bottom of what she has told me, i on the other hand want to pay back as much as i can and that was why i went down the IVA route, had i been fortunate enough to have had enough equity in my house i would have gone down that route too but on reflection i am glad that i have done this as although it is tough at times i have learnt a lesson and that i will take with me for the remainder of my years on this planet to be honest.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
When you take out any credit agreement, you are supposed to read all the small print, and only sign once you are happy with it. None of us do read it, yet we still sign.
I really can't see how people can expect to claim because of that.
I couldn't sleep at night if I wasn't doing my best to pay back as much as I can.
As for hammer1's friend with the under age card, I'd be interested to know if she put the correct age down on the application form, or did she say she was older than she was?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
From what she has said, she received the offer when 17 (a case of you have been chosen and can have a credit card for ££££ amount, just fill in the simple details, which I said was flying though our letterboxes left right and centre in those giddy days) , which was about 13 years ago. The form was filled out correctly, and the person she spoke to were not worried about the age issue.
I have personally advised against it, she has not the money to go wasting on possible false promises, not sure what guarantee is there to get all the money back if not successful, plus what if it goes to court, who is gonna pay for the legal costs???????
I am in my 5th year of a IVA and this time next year will be in the process of finishing it[:D]
But I do understand people like my friend as we all do I hope (being in the same position or near it before starting our IVA's), when you are up against a wall, desperate to find a way out, you think rationally and want a quick fix, which is never the case.
I think how can companies like these be able to work on peoples fears, like these days and get away with[:(!]
Anyway I hope she sees sense before parting with any dosh.
Not sure what happened but I am all paid up and finished...they even owe me money now ))
I'll be surprised if she gets any money back. She is just likely to be a few hundred pounds out of pocket.
If she's struggling, she'd be better off seeking a DMP or IVA.
Of course, the thing as well with having all these debts 'written off', is that if you apply for credit later on, be careful who you apply to - the creditors who have lost out, or who you have tried to get out of paying - are unlikely to lend to you again.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
))