lil.me: "£5000 for a second hand car while in an iva could be seen as slightly on the extreme side. and they will certainly have looked dimly on the fact that you are and can afford to pay a family member 100% of an outstanding loan whilst creditors are only receiving a percentage of what they are o...

This is their site; http://www.118800.co.uk/ just click on ex-directory and follow instructions to get your mobile taken off - just done ours, and by looking at various forums a great many people will do likewise, maybe even a big % of the 15 million they say they have!. Of course by going ex-direct...

About time too: The Office of Fair Trading has warned 10 firms to stop making unsolicited and misleading calls to advertise services. The six debt management and four cold-calling firms were told they could face formal action if they failed to stop. http://news.bbc.co.uk/1/hi/business/8066253.stm

seems up and running?

http://www.securetrustbank.com/

Just finished watching another episode of Ms Spicer's 'Beat the Bailiff' on Sky3 at 5pm tonight - this one was about a mother and daughter who had amassed a total of £22,700 debt.. Advise from Spicer; Negotiate to freeze interest, pay creditors £1 per month, increase income to pay more or, because m...

Hello David I am sure of my observations, we have Sky+ and when Ms Spicer aka Donovan stated these comments, we played it back three times to ensure we'd heard correctly. The person involved had a £500 cat and a lot of technical equipment, which might jog a few memories of readers? It was on Tuesday...

Last night I was watching TV, it was 'Beat the Bailiff' hosted by 'financial expert' Lorne Spicer. In this programme she was giving advice to a chap who had built up a substantial amount of debt.. She told the chap he had two choices; one was to undertake a Debt Repayment Programme for 15 years and ...

This might help?; bordereau n. (pl. -x) invoice; detailed bill; memorandum INSOLVENCY PRACTITIONERS In these Regulations:— "bordereau" means a form upon which an insolvency practitioner enters certain details in relation to his appointment as insolvency practitioner in relation to a person, includin...

Sorry Melanie

I'd rather keep that between me and my trustee - I was just after a general opinion... Thanks anyway

Hi Melanie Yes, we were fully aware of the releasing of equity and the method to do so (we have an excellent IP/Trustee) we have ample to cover the requested amount due as equity, (at the time the trust Deed was drawn up) but with this present financial 'meltdown' things have changed dramatically. F...

Thanks for that Kallis3, but still wonder: "we are concerned that although we can't raise the required equity, it is there, would the creditors force us to sell our home to get at this money?"

Kallis3 " A lot of people are in negative equity, myself, I'm not in negative equity, but no way will I be able to remortgage in year 4 due to mine and hubbys age." Hi Kallis3, continuing on from this, you mention that basically you have the required equity in your home, but because of your age you ...

Kallis3: "If you are unable to release any equity (and at the moment it is doubtful that any of us can!), you will probably be expected to remain in the IVA for a further 12 months." Is this (Unable to release equity) because of negative equity or (like me) I have the requested equity available, but...

Viki.W.. Yep I know: "and apart from diligent searching on the web" etc, where is plasticdraft anyway?
It's OK Kallis3, I miss things too..

Hi Kallis3: "Plasticdaft is from Scotland as well Bigpete, he's in a trust deed".. I know that, see my posting above where plasticdraft says: "(I have a trust deed)" .. just wondered where he/she saw it, I've been in a Trust Deed for over two years and apart from diligent searching on the web, I hav...