 I have starbucks question? |
please explain what the logo is all about..?
and when/who started starbucks..?... |
|
 Richard Branson, richy rich? |
| what do you think, will Richard Branson soon become the richest man in the world? He owns so many different types of businesses and he's still expanding and introducing new products. One of his ... |
|
 Where do I send an email to complain about a horrible stay at Valley West Inn, West Des Moines, IA? |
| My husband, daughter, two grandsons age 4 and 5 booked two nights at Valley West Inn, and had a dangerous thing happened in the swimming pool which my two grandsons could have gotten hurt, my husband ... |
|
 I asked my boss for a promotion and he said we will talk.? |
| My boss quit and I am his assistant. I asked the area manager for his position through a text message and he sent me one saying we will talk what should I take from this.... |
|
 Why do people hate wal-mart so much? |
personally i think its ok but i wouldnt go there everyday
what do you think of it?... |
|
 Which is safer, Amazon.com or Ebay? |
| I want to try buying stuff from Amazon.com, but I wanna know first if it's safer than Ebay. Also, do I have to create a Paypal account to buy stuff from Amazon?... |
|
 Why Natasha Kaplinsky earns £1m with BBC and is going to earn £3m with Five? |
| While BBC is planning to cut on so many jobs some people like Natasha Kaplinsky earn there £1 million. Why? What has she done to earn so much? That is just a shocking salary. I am not from BBC and ... |
|
 Starbucks problem? |
| is starbucks engage in monopolistic competition or oligopoly.... |
|
 I need help! Natural gas was found near my neighborhood, What would you do? |
| There is this company called Chesapeake gas Co. who discovered natural gas in our area. They are wanting to drill and give us money to allow them to drill. My property may or may not be above a gas ... |
|
|  |
steve l | Is it true there are companys around that can clear 70% of you dept? |
and your left with the rest to pay? if its true can anybody recomend a good company? would this be a IVA im talking about ?
Additional Details
thanks for all your help so far i do have a appointment with a financial avisor from the CAB is it best i stick with that one rather than go else where? can they do the same as these other companys that put you on a IVA? |
 |
 
charlie
 |
Yes you're quite right, it is an IVA. DO NOT GET INVOLVED WITH THESE COMPANIES. What they do is work out what you can reasonably afford to pay off debts. Say for example you have £100 per month. If creditor A has 50% of the total debt, creditor B 30%, and creditor C 20% offers will be written to them with £50, £30, and £20 respectively. Now if the interest that they're charging is more than that they will ask for the interest to be frozen. Year on year, that may well come to 70% of the total debt, hence the company's claims. BUT HERE'S THE CRUNCH: THEY WILL CHARGE YOU A FEE FOR DOING THIS, THE CITIZENS ADVICE BUREAU (CAB) OR CONSUMER CREDIT COUNSELLING SERVICE (CCCS) WILL DO THE SAME THING FOR FREE.
**edit** yes it will be an IVA you'll be getting involved in.
An IVA is the next step from bankruptcy and shouldn't be taken lightly. |
|
JA12
|
Yes new regulations in the UK allow for this.
But - all they do is negotiate with your debtors to get up to 75% of your debts cleared and accumulating interest frozen.
Be warned, the 75% only applies whilst you adhere to the payment agreements of the remaining 25% (or whatever is left). If you default, the debts go back to 100% and interest charged on the debt resumes.
Consolidation might not be the way forward for you. Do the Debt Review tests and see what the best course of action for you might be. |
|
The Drunken Fool
|
they dont clear it, they arrange for it to be "written off". It really is a last resort and forget about getting credit for the next five years....
Also, money is never really "written off", it is just not chased. They can still ask you for it... |
|
vampwithaheart
|
yes but you should only use them as a LAST resort as having an IVA or going bankrupt can affect you getting credit for anything for years to come!
For good honest advice on debt go to http://www.moneysavingexpert.com/
Think carefully and good luck! |
|
stevexnelson
|
Yes, it's probably true. That's the good news.
The bad news is that if you re-pay less than you owe on a debt it will wreck your credit. In my honest opinion you might as well go bankrupt. That's is assuming that you qualify. Speak with a bankruptcy attorney and explore all of your options. Most debts can be discharged in Chapter 7 bankruptcy. (Child support, taxes, court ordered fines and student loans cannot be discharged in bankruptcy.)
I would avoid the credit counseling agencies that claim they can renegotiate your debt. I'd rather have all of my debt eliminate. (Actually, it's really best to pay your bills on time. But, if you can't pay your bills and if you don't have any choice, look into bankruptcy.)
I wish you the best of luck. |
|
fitspat
|
i used the citizens advise bureau but still ended up bankrupt for one year ...... not as bad as i thought it was going to be and the csa helped with the forms i got 18k written off but if you own your house or a decent car then this route is not advisable except as a last resort gl my friend the sooner you take the first step the quicker its over with .............. i am now solvent and debt free> |
|
janev
|
Dear Sir
My husband has paid in full for my car and in his eyes owns the car, but I am the registered keeper so I could continue getting my no claims discount from my insurance company. Will going bankrupt affect the car situation. I need my car to get to work because I am a self-employed home carer. What other disadvantages will befall me regarding my work if I go bankrupt.
Kind regards
Janev |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 12 minutes(s) ago
| | | |
6 | 25 minutes(s) ago
| | | |
6 | 43 minutes(s) ago
| | | |
6 | 2 hour(s) ago
| | | |
6 | 7 hour(s) ago
| | | |
6 | 10 hour(s) ago
| | | |
6 | 2 day(s) ago
| | | |
6 | 5 day(s) ago
| | | |
6 | 2 week(s) ago
| | | |
6 | 3 week(s) ago
| |
|
Homepage 
Financial
Forum 
Corporations 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
