An update from ClearDebt regarding HMRC and their policy towards people in Individual voluntary Arrangements (IVAs) and debt management plans (DMPs) who receive an HMRC letter saying they must pay more tax or that they are due an income tax rebate.
Archive for the ‘Creditor Behaviour’ Category
HMRC Income Tax overpayment or underpayment letters – ClearDebt Update.
by Andrew_F_Smith on September 9th, 2010
Creditors’ representative TIX making life more difficult for disabled debtors.
by Andrew_F_Smith on August 27th, 2010
We are appalled at the behaviour of the biggest organisation representing creditors in IVAs – TIX. Individual Voluntary Arrangements (IVAs) are supposed to be accepted by creditors when they are affordable, achievable and represents the debtors’ best efforts. They are supposed to be the best a person can do to repay as much as possible of the debts. It’s a five year commitment (usually) and its pretty fair for both sides – but it isn’t supposed to be set at a level that makes life horribly hard.
0% credit cards – It’s a trap. Really.
by Andrew_F_Smith on August 24th, 2010
ClearDebt’s Andrew Smith comments on credit card debt and how cards with attractive introductory offers can trap many people who already have debt problems.
Debt Industry Opinion – Payday Loans and Debt
by Nazma Noor on August 16th, 2010
Payday loans and the debt issues surrounding them have hit the headlines again recently, ClearDebt’s Andrew Smith talks through the issue in this audioblog.
Debt Management Companies: You get what you pay for…
by Andrew_F_Smith on May 20th, 2010
ClearDebt interviewed on BBC Radio 4 – and here are all the things about debt management plans we wish they’d given us the time to say.
Debt Analyser
Face to Face Advice?
Community Help & Experts
ClearCash
Ask Debt Community & Experts
Watch us on YouTube
Read & comment on the blog
