Forum

Hi jim2007. Glad we can be of use to you. It is an important decision and is always best to ask as many questions as you need to at this point. A...

Was your family member even advised about DAS as a possibility do you know? It would certainly seem a more suitable option in my opinion given that i...

I can't see that NRAM should have a problem with your credit rating as it isn't as if they are extending you any further credit, merely arranging rep...

Hi CIF I too would expect a previous Trust Deed and recent remortgage to present no particular problem if you choose to go down the Trust Deed rout...

Chances are they won't be aware of the trust deed as it shouldn't show on your credit file any longer. However, if you had a debt with them back then...

TDA has summed it all up nicely. It is perfectly valid to enter into a DAS or a Trust Deed whilst paying off a repayment mortgage and happens all the...

Hi As the others have said, Hitachi may object and if the car is on a personal loan then that debt would be included too, so they would be over 1/3...

Nice one Bains. Assuming it was all set up to be realistically affordable then that's the hard part done!

As I understand it, the debt would be unenforceable in Scotland if it was from prior to the date of bankruptcy. However, should you move back to NC a...

Hi JMCF1 I can fully understand your annoyance at your experiences so far. It's unforgiveable really to be treated like that, as it takes such a l...

That's great. Hats off to you for your persistence, but also credit to your mortgage lender - a bit of flexibility and fairness for a change rather t...

The companies haven't been paid off when you start the Trust Deed. They receive payments from your trustee during the process once sufficient funds h...

Hi jojo93 I imagine they get their information from the DAS Register, which the Accountant in Bankruptcy maintains. In the same way that the credi...

Certainly we have had similar situations in the past where we have authorised the release of a significant sum straightaway and then released any rema...

As the car finance was an obligation that existed prior to the date of signing of the Trust Deed then it is automatically included. If you choose to ...