This part of the site provides legal information and documents relating to personal finance - everything from unfair bank charges and credit issues to dealing with debtors and repayment of debts.
This is a personal loan agreement between individuals. It is appropriate for use between several individuals on either side of the contract. It is also appropriate for a fixed-sum cash loan which is…
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This is a personal loan agreement between individuals. It is appropriate for use between several individuals on either side of the contract. It is also appropriate for a fixed-sum cash loan which is granted outside of the course of business of the lender. This agreement provides options for instalment payments and interest charges. This agreement cannot be used where the lender requires security over the loan. This loan agreement is designed for use in England and Wales only.
Your credit rating matters- and you should take careful steps to safeguard it, and repair it if you feel it does not fairly represent your circumstances. This pack contains documents for you to start the…
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Your credit rating matters- and you should take careful steps to safeguard it, and repair it if you feel it does not fairly represent your circumstances. This pack contains documents for you to start the repair process, and to report to credit card companies if you feel your account has been accessed without your permission. See the individual information associated with each document in this pack for a full description of their use.
Use this document to record your income from all sources and total expenditure, and to record what your debts are and where (if applicable) you have fallen into arrears with such debts. The document…
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Use this document to record your income from all sources and total expenditure, and to record what your debts are and where (if applicable) you have fallen into arrears with such debts. The document will then calculate what surplus income (if any) you have. With this information, you can review and make decisions about whether you need to reduce your expenditure, and if so, where you might make savings; and about how best to use any surplus income that you have.
If you are having, or know that you are about to have, difficulties making your mortgage payments, use this document to explain the problem to your mortgage lender. This document will help you outline the…
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If you are having, or know that you are about to have, difficulties making your mortgage payments, use this document to explain the problem to your mortgage lender. This document will help you outline the steps you will be taking and what assistance you would like from your mortgage lender.
You can use this document whether or not you are already in arrears with your mortgage account. It is best to tackle any problem or anticipated problem with your mortgage payments before it becomes unmanageable. This document may be used in conjunction with the document 'Income and expenditure statement'.
After you have completed a review of your financial circumstances using the document 'Income and expenditure statement', use this document to make a proposal to your creditor for your debt, supported by…
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After you have completed a review of your financial circumstances using the document 'Income and expenditure statement', use this document to make a proposal to your creditor for your debt, supported by your completed income and expenditure statement. This document can be used whether the debt to this creditor is a priority debt or a non-priority debt. Although a creditor does not have to accept your proposal, this document will improve your chances by guiding you towards making a fair proposal that is backed up by full and frank disclosure of your financial circumstances.
This letter is for situations where a person or business has said that you owe them money in relation to goods or services and you're in dispute over it. You can use it to try and settle the matter by…
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This letter is for situations where a person or business has said that you owe them money in relation to goods or services and you're in dispute over it. You can use it to try and settle the matter by compromising in order to prevent the matter going to court.
If you make a reasonable offer that's rejected and the issue goes to court, you'll have a better chance of any ruling about who pays the legal costs going in your favour.
You can use it if you've received a formal letter of claim, or in relation to an informal allegation or dispute about a debt. There are options to include details of any counterclaim you might have against the other party.
Use this document to generate a promissory note, which is a written promise that you – the ‘maker’ - will pay a fixed sum of money to the payee either on demand or on the date specified…
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Use this document to generate a promissory note, which is a written promise that you – the ‘maker’ - will pay a fixed sum of money to the payee either on demand or on the date specified in the note. The maker can be a limited company, partnership or individual, and the payee may be either a named person or the bearer of the note on the date it becomes payable. Note that no provision is made for interest on the loan.
Use this document to generate a promissory note, which is a written promise that you – the ‘maker’ - will pay a fixed sum of money by way of instalments on specified dates. The maker can…
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Use this document to generate a promissory note, which is a written promise that you – the ‘maker’ - will pay a fixed sum of money by way of instalments on specified dates. The maker can be a limited company, partnership or individual, and the payee may be either a named person or the bearer of the note on the date it becomes payable. The note allows for interest to be paid on the loan.
This document will allow the owner of a beneficial interest in property to transfer that interest to one or more people. A person has a beneficial interest in property if they are entitled to the benefit…
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This document will allow the owner of a beneficial interest in property to transfer that interest to one or more people. A person has a beneficial interest in property if they are entitled to the benefit and enjoyment of that property. Property may be held by and in the name of one person on behalf of and for the benefit of another. The person holding the property has a legal interest in the property; the person for whose benefit the property is held has a beneficial interest in the property. The transfer may be by gift or for money. It can be used for any type of property, such as a house or flat, a bank account or a painting or car. Please note that this document can only be used in England & Wales and it cannot be used to deal with legal interests in property.
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