razorc
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Everything posted by razorc
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It’s a loan dx I stupidly jumped the gun , my mistake having read on the forum wait until I get a DN from them then send the pro rata, so I will wait till that comes what’s the options to do on the spread sheet , or anything else should do because it’s a loan, and yes over 48months found a spreadsheet that works out the pro rata for each debt online
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afternoon , hoping someone can kindly help , sent creditors the prorata letter with the budget spreadsheet on the forum , and JN bank have come back to me saying i havent done the pro rata correctly , they have said - thank you for your response. We note that the payments are still not pro-rata; A pro-rata payment would mean that your disposable income is spread fairly over creditors, not equally. For example, a balance of £600 would receive a lower payment than a balance of £6,000. By spreading the disposable income across creditors this way it ensures that there is no preferential payments and you can clear the debts off at the same pace. i have 9 creditors - and what i had left each month divided that by 9 so each get the same amount , is that wrong? as it doesnt work that out on the spreadsheet many thanks
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sorry thought i pencil details all out
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will scan up now scanned up dx thanks 2023-04-24 Swift NOA re old Welcome secured loan sold to Coast.pdf
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sorry dx100uk maybe I'm reading wrong , i dont have building insurance with them , , just wondering why there asking that
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hello dx100uk its a old welcome finance loan from 2009 might be longer coast are on the house deeds , but now swift have taking over the loan , just strange it says that , because is it not the loan company that put that on the deeds
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afternoon have recieved the letter from swift regarding the transfer to them today , new agreement number also , in the letter reads this insurance arrangements if the loan is secured on your property, you should contact your current buildings insurer and advise them that coast finaance solurions s.a.r.l no longer have a interest in your insurance policy and that their details should be replaced with those of swift advances plc anyone advise on that thanks
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I'll get a letter sent regarding the plevin ppi Would I be better writing to swift later once have had the paper work from them , and setting up a payment to clear it so I can get the charge removed then if theres no way getting it removed other than paying it
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Hi dx100, been searching for a letter template , for plevin ppi, who would I write to swift? could you point me in the right direction many thanks for your time replying
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thanks dx100uk , couldnt see my last posts that i started couple year ago on welcome finance on the forum
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hello all just had a letter from coast finance saying - the owner of your loan is changing to swift advances plc, anyone else? ive blanked them for years, but just went on to get deeds for house and coast have a charge on it , any way to get rid of this, or shall i send a cca to get original agreement thanks
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Thanks andyorch , for checking that , 1 down , awaiting the rest
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Afternoon just received letter from tesco credit card accepting offer of pro rata payment , letter says for 6 months then will be in touch to review , i have received a letter of default if anybody help if this is defo letter of default they have also sent this time i have attached letter , many thanks for your time all tesco default notice 14April-CAG.pdf
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Think I need to slow down , god i sent barclaycard the pro rata , yesterday , hopfully wrong po box i sent it too , have i messed it up will have a search on that now defo know now what a default letter is , righty i shall await them coming , was hunting on the search bar and getting know were quick , didnt even see the enhanced google search bar
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ahh no problem , will have a search on it , thank you sorry for being stupid been searching but getting no where finding it , so i have letter also from virgin just arrived has on that - Notice of Default Sums is that same as default notice , really sorry if stupid here
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hopefully done it right barclaycard defaultletter.pdf
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Will hold fire then , till then , just wanted make sure doing it correctly thanks for quick replay could i upload barclaycard letter dx100uk , to check its a default letter if that be ok with you thanks
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Afternoon all , so starting sending pro rata letters off the other day , the ones that have sent me default letters, still have to send other 2 for loans but not had default letters from either , can I just send them pro rata letters now or better waiting for the default letters JN Bank (loan) have just sent a few letters with you have missed this months payment please pay now Creation Loans - also the same no default letters from them yet many thanks
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cheers dx100uk
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Afternoon , do I have to send bank statements when doing self debt payment plan to the creditors thanks
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cheers dx100uk for you time ,
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thank you for info and assistant , great help. also when i am doing the pro rata , once the defaults appear , when doing I&E do you have to include partners income or just mine
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Afternoon got my parachute account opened (co-op) , just a question just get my wages paid in here and dont setup any DD's do i just use my other account for dd's many thanks
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hello dx100uk , thanks for quick replay and yes been reading and reading posts , still have few questions if you could help as I defo want to go down the self help debt payment route and send pro rata paypent letters , am in scotland also if that matters? so just wait till they send me default letters then shall I send pro rata payment letters and do i need to sent a budget and expen to them? many thanks for your time All the debt is with OC , just dont know if i wait for default letter from them all , then send them pro rata letters and what amount do you recommend £10 ok i have cancelled all the dd to them aahhh found your post about it remember seeing it but couldnt find it there as this DN gets issued on each account, then you look toward entering them into your pro rata agreement. (letters are in the debt collection section of our library)
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Hi all got myself in to debt with credit cards and 2 loans , and cant afford to cover the payments on them all , no arrears yet but think this month probs will be, and looking to do self debt payment plan, do i have to wait till they default before i send letter pro rata payments or can i do that now , I just opened parachute account with co op many thanks
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