Mark has made a very important point (as always!) which I overlooked. Borrowing from bank x to pay credit card y was my downfall and I am not alone in...
Headwire - we have all faced some of the issues you are now having to address so you are amongst friends! Having just completed my Protected Trust ...
I guess the obvious question that Kevin might be too civil to ask is what experience does your friend have to offer such advice?
What get sme on the whole PPI issue is who is it that is generating this search for bogus PPIs? If a debtor with a PTD had been missold PPI with a loa...
What a kick in the nuts if that is their approach and you have met all their requirements during the past 3 years. I don't think the time span for dis...
As others have indicated, Barclays seem to be the most ignorant re PTDs in Scotland - two of their companies were the slowest to recognise my position...
I know it is a hard one but wonder if Clair has yet told her husband and/or partner about her position? Coming clean to an IP, employer, partner etc ...
TDA - my last words on this issue - honest! I write as one who has just come through the PTD process, with an IP whose advice I followed without fail,...
TDA - thanks for the prompt and helpful advice. If this forum is viewed as a snapshot for PTDs and related issues, it is clear that not all intermedia...
Maybe the AiB's recent consultation will flag up that anyone can purport to be an IP when the reality is they are just brokers who are only interested...
irishboy - your issues and high level of debt mirror many on this forum - bite the bullet, satisfy yourself that a PTD is the best option for you and ...
Although my IP acted througout as an "honest broker", he made clear at the outset that he always worked towards safeguarding homes as a key part of th...
Intersting to note the proposed changes by the AiB/Scottish Government on the vexed issue of equity in homes, which is steering towards the provision...
I think plasticdraft's comments "how did we get by!" sum up life pre PTD perfectly! I recently found an old credit card statment showing mega thousand...
Building on Kevin's helpful insight from the inside, I recall seeking a loan from the Clydesdale Bank which they would only approve if I took on their...