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    How to make an offer to Avant re: Debt.

    Hi - sorry to hear these guys upset you. Have been there with them, ruthless. My situation was we owed 22k on 2 cards, going nowhere. Entered into a payment plan, at €360 a month it was hard, but got the debt down to 12k in little over 2 years. Then husband involved in an own fault accident...
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    Proposal for debtors - have I any hope of getting this passed.

    Hi so-crates - no, there is no reason, Im just not sure if they are going to accept MABS proposal, so Im wondering is it best to pay what MABS is offering, or to go further into arrears. Arrears are quiet low at the moment, but due to our current circumstances they will grow quickly
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    Proposal for debtors - have I any hope of getting this passed.

    Hi all, I have finally taken the steps of meeting with MABS, and they have agreed to help us with the following: Credit union loans totalling 21,700 against shares of 7,200 2 X avant card totalling 11,700. Total available for debts per month is €154, according to MABS budget sheet/SFS - this...
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    How overspending by a small amount on a regular basis spiralled into serious debt.

    "All I can say to you is continue with what you are doing, you are undoubedly a very kind person and I hope that sees you through this unbearable time. I wish there were more I could do for you than posting on an anonomous website." I totally agree with Bronte on this. I am truly sorry for...
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    Loan secured on shares - Credit Record ?

    Our local credit union is also using ICB black marks as a reason for refusing a loan, we asked for top up of 500, and we were told bad ICB record was reason for refusal. I can see the return of the illegal money lender en mass......
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    Avant card - going into Default

    Hi - any help appreciated. History - had 2 MBNA credit cards - 1 @ 10,000 and 1 @ 12,000. Entered into pay plan 2 years ago paying 356 per month (196 + 160)- successfully got total debt down to around 12,000. We can no longer afford to keep up with agreed plan as husband is out of work, - so...
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    What does "Charged Off" mean?

    Can anyone explain to me what does "charged off" mean? Avant card on the phone to me asking for a short settlement figure to charge off account. Does this mean a full and final settlement, or do they take the short settlement and pass the rest on to a debt collector?
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    BOSI Split mortgage?

    Hi, Does anyone know if Certus - BOSI is offering split mortgages?
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    MBNA/AVANT card short settlement

    Got a letter from AVANT this morning to say my payment plan was now cancelled, and that interest and charges were being applied to the account as I had breached my agreement with them. I rang immediately, and was told to disregard this letter as it was computer generated. I am in fact still on...
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    MBNA/AVANT card short settlement

    Yes all charges were stopped 2 years ago, that's how we managed to pay off 10K. Mortgage - 189K owed, should be paying 819 per month, in MARP, paying 520 (interest plus a little off capital) House worth approx 110K. How should I offer the Should I offer 1500 off card A, then 2000 off card B...
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    MBNA/AVANT card short settlement

    Wondering if anyone knows anything about short settlement? Been on paymnet plan with MBNA for just over 2 years - 2 cards, did owe 22k, down to 12k paying at 360 per month. Mortgage company will no longer accept us paying reduced payments on mortgage while paying this amount in unsecured debt -...
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    MBNA - change to Avantcard

    I have been on a payment plan successfully for over 2 years out of 5 years - with all interest and charges frozen. Today I received my first statement from Avant card - they are back charging me interest after a promise from MBNA that my payment plan would carry over to the new company. I do not...
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    BOSI wants us to go back to full payments

    Hi all - BOSI putting pressure on us to go up to full payments History as follows Family home full mortgage owed: 188K Value of house: 110K Variable mortgage should be €830 per month Actually paying interest plus a bit €500 per month - increased to €520 from this month. 24 years left on...
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    vikingdirect.ie 51'' Samsung for €6.49

    I ordered 2 - for a total of €22 incl VAT and shipping!! - Dont believe I will actually get them, just chanced my arm as thousands of people did. Think some poor person will get sacked over this. Viking have several get out clauses on their web ordering - but also says once you get a...
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    Mortgage Arrears Code & BOSI

    Im with BOSI - paying reduced sum every month (Interest + 200) in MARP for 2 years now, managing this and clearing short term debt as got interest and charges frozen over 5 years but got a letter from BOSI demanding proof that short term debt has been restructured. Get the feeling from the...
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    Household Benefit Review: Student daughter uses our postal address lives elsewhere.

    No I never applied before. My first application was about 2 years ago, she had moved out by then, so she wasnt on the forms, and I was granted household package. This has come out of nowhere really, and they referred to her by name too, form specifically said is (name of daughter) living with...
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    Household Benefit Review: Student daughter uses our postal address lives elsewhere.

    I got a letter from her college stating her address (apartment) and that she is a full time student. I have sent this off, hope its good enough for them. I really feel at this stage that I am being harrassed by DSP. I fought with them all last year for a rise in Invalidity pension which after...
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    Household Benefit Review: Student daughter uses our postal address lives elsewhere.

    She is sharing an apartment with other college students - I think the tenancy is with one student, and she sub let it out to the other 3 that live there, so I dont think thats any use. They all share the rent, which is 800 per month, so they all pay 200 each, and they split the bills, which are...
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    Household Benefit Review: Student daughter uses our postal address lives elsewhere.

    Hi all, Last year I was awarded the household benefits package. I am on invalidity pension. I received a letter last week asking who lives with me and what their earnings are. I submitted the form back. Today I received a letter asking me about my eldest daughter who doesn't live with us...
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    BOS Mortgages no longer in MARP Process?

    I just sent MARP form back to BOS this week - have been on MARP for little over 2 years, paying interest plus a bit but this has run out so trying to get an extension. Mortgage should be 780 per month, we have been paying 500 for 2 years. Any idea how long we will be allowed stay on this...
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