one slight point once you have a charging order nisi the dj will invariably grant an absolute whichever court you go to. the order for sale is a seperate extra process that comes later. if the homeowner obtains an order to pay by instalments then pay them if you have trouble meeting the payments app...

hi mike, interesting but it's not scare tactics it's cold hard truth i'm not in the business of being touchy feely there's no point. we know the courts we can use to get the ofs and we use them we do have the odd case maybe 1 in 5 where the DJ grants a instalment order but if you miss one payment or...

have you tried Payplan or the CCCS? everyone was singing there praises. see thread payplan!!!

hi sam sam, unfortunately for you yes creditors can insist. you can refuse. they can then make you bankrupt which means you will have to pay your share of the equity to the Official Receiver. or should you prefer not to go down that route creditors can sue you, obtain a final charging order over you...

hi andy, as much as i would love to entertain you for the day. going through our voting rational and such. i'm not sure if we are allowed.also in the whole scheme of things were certainly not the biggest player. however if you would like i could pass you my boss's number and you can give them a tink...

i think, it's probably to be seen to be playing lip service to the banking code whereby if someone comes to them in financial strife they are obliged to be "helpful and sympathetic" which they are....to a point.. but you don't get something for nothing.

hi Andrew, i don't agree with what my client does and frankly i think it's shocking. unfortunately they pay my wages. the only discretion i have is that i don't add the referral fee in iva's unless we have already got a CCJ. As far as i'm concerned payplan and the cccs bring nothing extra to a dmp t...

hi andrew, between me, you and the gatepost. in normal collection cases my main client adds a 16% file referral charge on two of it's main products and the third main product has over 50% apr. so writing off 15% is no problem.

melanie, that's purely for DMPs that i would advise going with those firms. for IVA's i know a few good firms here in the uk and in northern Ireland

hi melanie, from a personal point of view i don't like dmc's that charge debtors as in my mind they are just exasserbating their situation. simply because in my view it's something the individual can do themselves and why pay a company to effectively write a bunch of cheques for you every month and ...

lily i agree with you, what we do is a process of damage limitation. my client's realise they won't receive payment in full so want as much back as they can which is why they prefer iva's over bankruptcy. the debt recovery agents that a lot of you guys have had dealings with get paid a percentage of...

we deal with payplan for both IVA's and DMP's in my opinion they and the CCCS are probably the only ones i would "recomend". i'm not a fan of DMC but as far as i'm aware Payplan do not charge for their services. if they do drop them and go with the CCCS who don't

as a point of note the food and household figures my team uses are based on my own expenditure for my family (good lady, 10 year old and toddler)we spend on average £10 per day of food and household. i instruct my team to allow £150 for the first person and £100 thereafter for each person in the hou...

thanks for your comments. a recent study of IVA's from our own MIS data we have shows that the failure rate of iva's where the dividend is more than 40p in the £ the breakage rates accelerate. it was this data we provided our clients helped fend off an approach by TIX who pride themselves on driving...

no appologies needed skippy it's good to get it off your chest. at the end of the day i will speak to people as i'd expect to be spoken to. however you can only poke a bear so many times before it bites.