Debt dispute problem solving help, free counselling, lenders, IVA ( Banks etc)

practical help to resolve debt disputes problems with UK lenders UK lender complaints resolve complaints & disputes
P.O. BOX 5, FRODSHAM CHESHIRE WA6 6FL

PRACTICAL HELP TO RESOLVE DEBT COMPLAINTS & DISPUTES WITH UK LENDERS (BANKS, BUILDING SOCIETIES & FINANCE COMPANIES) INCLUDING ARBITRATION LIAISING WITH OMBUDSMAN/ARBITRATOR & SOLICITORS. ALSO FREE DEBT CONSOLIDATION, DEBT COUNSELLING, INDIVIDUAL VOLUNTARY ARRANGEMENT ( IVA ) , ENDOWMENT MORTGAGE, OLD MORTGAGE DEBT ADVICE.

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ABOUT DEBTWISE

LENDING PROBLEMS

OMBUDSMAN SCHEMES

DISPUTE/CLAIM/LIABILITY

FREE DEBT COUNSELLING

ASSESSMENT FORM

INITIAL ASSESSMENT AND BASIC SERVICE FREE – Just submit completed Assessment Form or e-mail adv@debtwise.co.uk (see ABOUT DEBTWISE )

AREAS COVERED debt dispute, complaints, counselling

LENDERS TAKING
UNFAIR ACTION? ENDOWMENT MORTGAGE
SHORTFALL? HELP WITH COMPLAINTS LENDING PROBLEMS
AND DISPUTES?

LENDERS claiming amounts which are disputed or where problems are encountered, taking action to recover debts which are disputed (NOTE : Practical not legal advice can be provided), taking action against security held which is disputed, lenders making mistakes which they are reluctant/refuse to rectify.
OLD MORTGAGE DEBT : Assessing all circumstances regarding – The giving of security including where security has been obtained under pressure-Where a liability alleged is disputed-GUARANTEES-SIGNING OF MANDATES-OLD MORTGAGE DEBT which lenders are trying to recover-ENDOWMENT MORTGAGES where there is a shortfall (email adv@debtwise.co.uk for help sheet). NOTE : April 2008. Updated information on Old Mortgage Debt and Financial Services Ombudsman.
MATRIMONIAL DISPUTES : Assessing the implications of partnership/matrimonial disputes with regard to lenders
INDIVIDUAL VOLUNTARY ARRANGEMENT (IVA) : Information provided with reference points (email adv@debtwise.co.uk for info sheet)
PERSONAL PROTECTION INSURANCE (PPI) disputes : Information reference points provided. If you did not need PPI reclaim premium! ( email adv@debtwise.co.uk for info sheet with links to draft letter help- do not pay for dispute firms to claim!
SOLICITOR COMPLAINTS : Assisting with claims in respect of poor service by solicitors & preparing Legal Complaints Service (Law Society) complaints (but NOT legal advice)
BANK CHARGES - see below. Also a help sheet is available giving information reference points (email adv@debtwise.co.uk )
COMPLAINTS AGAINST DEBT COLLECTORS : email adv@debtwise.co.uk or refer to UK Insolvency Service Web page http://www.insolvencyhelpline.co.uk/debt_factsheets/harassment_of_people_in_debt_by_creditors.htm#1

AIMS AND OBJECTIVES

To provide practical advice to individuals, partnerships, small businesses and limited companies in dealing with problems and disputes with lenders
To challenge action taken by lenders which the client feels is unjustified and try and reach an amicable commercial settlement
To assist the client drafting correspondence and/or deal directly with the lender/Ombudsman/Arbitrator/Solicitor

DEBTWISE is a practical NOT legal advice service. Any advice given is without prejudice and without liability at all times (see ABOUT DEBTWISE for background) If you want more information about Debtwise and its services please do not hesitate to contact us.

Email: adv@debtwise.co.uk

Links : Please note that information re links is given without any liability. The information is intended to be helpful.

BANK CHARGES COMPLAINTS

The OFFICE OF FAIR TRADING website should be consulted for their latest update. Use the OFT search for 'bank charges' to monitor updates www.oft.gov.uk . On 24th April 2008 it was announced the OFT had won their 'test case' against the banks. This means the OFT will carry out a review. It does not mean banks will immediately refund claims in the pipeline or future claims. It is necessary to maintain regular contact with OFT site for progress. (Update from OFT April 2008 http://www.oft.gov.uk/news/press/2008/55-08 )

FINANCIAL OMBUDSMAN SERVICE GUIDANCE See guidance on http://www.financial-ombudsman.org.uk/faq/bank-charges.html

BANK ACTION GROUP/THE CONSUMER ACTION GROUP FORUM ( www.consumeractiongroup.co.uk ) is a support forum where people affected by punitive bank charges can meet and share information. NOTE : 2007 : Each time a test case is noted in the Consumer Action forum it has been settled. For anyone contemplating taking action this is essential reading. Actions pending the OFT test case were put on hold by the courts. Following decision on 24th April 2008, please monitor OFT site.

PENALTY CHARGES : Another advice website giving guidance on how to reclaim bank charges http://www.penaltycharges.co.uk/guide/

ADDITIONAL BANK CHARGES NOTE : The Daily Mail website www.thisismoney.co.uk has devised letters to help in writing to banks about charges. Gives help to possibly claim against the bank through the online court. ( www.moneyclaim.gov.uk ). Motley Fool has advice and feedback for those who wish to fight bank charges. Link: http://www.fool.co.uk/index.htm?ref=Yo Which? Magazine has advice- for further information see www.which.co.uk/bankcharges GMTV advice is shown at http://www.gm.tv/index.cfm?articleid=21859 .

CLAIM MANAGEMENT COMPANIES : If an individual wishes to use a claim management company (which normally gives free advice but will charge for success in any claim) then RBC Claim Management can provide free advice see http://www.bank-charges-claim.co.uk/contactUs.html

INDIVIDUAL VOLUNTARY ARRANGEMENTS ( IVA) : See Free Debt Counselling for more details or contact the UK Insolvency Helpline 0800 074 6918 www.insolvencyhelpline.co.uk . Send email to adv@debtwise.co.uk for general information help sheet.

Links to other advice websites : www.money-links.net www.clear-your-debt.co.uk www.yourclear.co.uk www.abacus-loans.co.uk www.debt-problems.net www.LemonAid.net www.clearstart.org/index.php www.cccs.co.uk www.debtadvicetrust.info www.nationaldebtline.co.uk www.citizensadvice.org.uk www.moneyinfomaster.com www.myvesta.org.uk www.debtleap.com www.trapped.co.uk www.freeivaadvice.co.uk (for more details see Free Debt Counselling). IVA advice www.theiva.co.uk , http://www.westopdebt.co.uk:80/

BANKRUPTCY : As well as free debt counselling, anyone with major debt problems should consider all options, including not only the IVA (above), but also Bankruptcy. Please see website for helpful information and advice www.becomingbankrupt.co.uk/home.htm .

DEBT FORUMS (for exchange on information, views etc on debt related subjects)

Consumer Action Group : www.consumeractiongroup.co.uk

Debt Forum UK : www.debtforum.org.uk (Debt Forum is a support board allowing people with debt problems to
share their experiences with each other. Members help and offer mutual support and advice to others facing bankruptcy and similar debt
related issues).

GENERAL ADVICE : www.moneysavingexpert.com provides free financial guidance and has a mailing list. Compares credit card offers and rates and is helpful to those searching for a better financial deal.

LOAN ADVICE : www.accepted.com - will search loan information on over 200 plans offered by major UK lenders.

DEBTWISE holds a Consumer Credit Licence - 478241

Free search engine submission and placement services!

Main http://www.debtwise.co.uk/ debtwise for practical help to resolve complaints disputes and problems with UK lenders, liaising with lenders, solicitors, ombudsman debt,debt counselling,bank disputes,financial problems,lending disputes,complaints,ombudsman,endowment mortgage,solicitors,banks,finance companies,building societies Contact Contact Info Debtwise http://www.debtwise.co.uk debtwise for solving debt disputes and problems : Address Address PO Box 5 Frodsham Cheshire WA6 6FL England SiteMap SiteMap