Congrats to all involved. This forum was a super source of useful information at a time when I needed as much information as I could lay my eyes on...
I guess this is where negotiation comes in. A couple of my creditors questioned the combined cost of my mobile and landline phone bills. They had a...
Faxed them again today. If I lodge an official complaint, do they need to reply or am I wasting my time? Cheers, DFW
Hi herewego I just wanted to back up what TDA said. There are stories on the forum from people who woke up one morning to find their bank accoun...
That's great news Scotslad. I was wondering what had happened. Party at Scotslad's house! I'll bring the buckie. Cheers, DFW
Hi imcville If your fees weren't going to your trustee they'd be going to your creditors. You're no better off either way so is it worth worrying a...
Hi herewego The best way to handle this is to get an account with terms and conditions that does not ban people with trust deeds. Then you've no ne...
There isn't a dicky bird they can do and they actually do know that. So it's not that they're trying it on, it's simply that their internal systems ar...
Hi pm152 About 20K of my debt was with HBOS and they certainly weren't highlighted to me as an objector to my TD. In fact, apart from a couple o...
Thanks guys. It must simply be down to poor processes and systems because it's not exactly rocket science for them to note that the TD is protected...
You don't need to have that kind of cover but if you do have it, it can form part of your monthly allowances. I know because it was ony of my exist...
...and fro-ing...
My phone expenditure was the subject of some to-ing at protection time due to it being over the threshold a couple of my creditors were prepared to ac...