01 Sep 2015 13:45:12
What pill is this? Modafinil?
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ForzaRed · 01 Sep 2015 12:56
Read discussion ForzaRed · 01 Sep 2015 12:56ForzaRed’s profile
ForzaRed
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Reply · ForzaRed · 14 Jul 2015 11:41
ForzaRed · 14 Jul 2015 11:4114 Jul 2015 12:38:59
If you can speak to someone at the council there are a few things you can do.
You said the council won't accept payments in installments- this is enforced if you have missed a payment + payment reminder grace period.
Councils may still accept installments, but it is discretionary so don't rely on that.
How long have you been claiming JSA? Are you paying a reduced council tax rate already- if not this is worth bringing up.
You can also ask the council to deduct money owed from future JSA installments.
Good luck!
Read discussionIf you can speak to someone at the council there are a few things you can do.
You said the council won't accept payments in installments- this is enforced if you have missed a payment + payment reminder grace period.
Councils may still accept installments, but it is discretionary so don't rely on that.
How long have you been claiming JSA? Are you paying a reduced council tax rate already- if not this is worth bringing up.
You can also ask the council to deduct money owed from future JSA installments.
Good luck!
Reply · ForzaRed · 14 Jul 2015 11:22
ForzaRed · 14 Jul 2015 11:2214 Jul 2015 12:20:57
With debt values people forget to separate the sum owed and the interest accrued.
If you are planning on starting the pro-rata payments (which however nominal I suggest would be a good idea), make it clear in the letters to the creditors that your pro rata payments are to cover the sum borrowed + a generous allowance for inflation (3% won't kill you and won't ever be deemed undervalue).
This is important because in many cases where a debtor cannot afford to pay back the sums, courts may remove or greatly reduce the fees paid for excessive interest/administration fees by the agencies etc.
What this will avoid happening is 1 year down the line finding out that you have paid £££s back but they only covered the interest owed, while at the same time the original amount owed is still outstanding and generating a whole new debt interest.
Read discussionWith debt values people forget to separate the sum owed and the interest accrued.
If you are planning on starting the pro-rata payments (which however nominal I suggest would be a good idea), make it clear in the letters to the creditors that your pro rata payments are to cover the sum borrowed + a generous allowance for inflation (3% won't kill you and won't ever be deemed undervalue).
This is important because in many cases where a debtor cannot afford to pay back the sums, courts may remove or greatly reduce the fees paid for excessive interest/administration fees by the agencies etc.
What this will avoid happening is 1 year down the line finding out that you have paid £££s back but they only covered the interest owed, while at the same time the original amount owed is still outstanding and generating a whole new debt interest.
Reply · ForzaRed · 14 Jul 2015 11:02
ForzaRed · 14 Jul 2015 11:0214 Jul 2015 11:55:23
As a starting point I would ask the aunt in question to provide you with a copy of the will, evidence of its signatories and their contact details.
If probate has been granted, you're in luck=
probatesearch.service.gov.uk
Read discussionAs a starting point I would ask the aunt in question to provide you with a copy of the will, evidence of its signatories and their contact details.
If probate has been granted, you're in luck=
probatesearch.service.gov.uk