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Simply Complete the short form below and one of our representatives will contact you.We will be discrete and confidential when calling . First Name Surname First Line of Your Address Postcode Email Address Contact Telephone Number (Required) - This will not be passed bad credit mortgage refinance

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If you would like to reduce your monthly payments because you are finding it hard to keep up with the repayments on credit cards, sorecards, catalogues and loans, then we can help. You may have previous credit problems such as CCJ's and Defaults which will stop you getting future credit for up to 6 years. You will be bad credit home loan new

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Below, is a glossary of the terms which are related to debt management, debt consolidation, bankruptcy and Insolvency. A brief definition is given below each one. Administrator

An administration order is a court order placing a company that is, or is likely to become, insolvent under the control of an administrator following a petition by the company, its directors or a creditor. The purpose of the order is to preserve bad credit loan private

the company's business and assets to allow a reorganisation or ensure the most advantageous realisation of its assets whilst protecting it from action by its creditors. The administration of the insolvent estate of a deceased debtor. County court process permitting an individual with modest debts to pay off installments. No insolvency practitioner is involved. Authorised (or Licensed) Insolvency Practitioner bad card credit debt

The person (usually an accountant or solicitor) authorised by the Department of Trade and Industry (DTI) or a professional body to act as trustee, nominee, supervisor, liquidator, administrative receiver or administrator. Only such a person can hold any of these offices. Administration Order (Individual) An order made by a county court to arrange and administer the bad business credit loan small

payment of debts. (Company) An order made by a court, which appoints an administrator to take control of the company. Administrative Receiver The person appointed by the holder of a floating charge debenture over a company's assets to collect in and realise the assets of that company and to repay the indebtedness to the debenture holder. Administrative Receivership bad bankruptcy car credit loan

The term applied when an insolvency practitioner is appointed as an administrative receiver. Administrator The insolvency practitioner appointed by the court to handle the affairs of a company the subject of an administration order. Agricultural Receivership A special remedy to take control of the assets of a farmer under the Agricultural Credits Act 1928. Associates bad credit instant loan

Associates of individuals include family members, relatives, partners and their relatives, employees, employers, trustees in certain trust relationships, and companies which the individual controls. Associates of companies include other companies under common control. Bankrupt Someone against whom a bankruptcy order has been made and who has not been discharged from bankruptcy. Bankruptcy Order bad credit equity loan

The court order making an individual bankrupt (this replaces the concept of the receiving order and adjudication of bankruptcy in the old Act cases). Bond Insurance cover needed by a person who acts as an insolvency practitioner. Charge The appropriation of real or personal property for the discharge of a debt without giving the creditor any property in, or possession of, the subject of security. bad credit georgia home loan

Charging Order

Court order placing restrictions on the disposal of certain assets, such as property or securities, given after judgement and gives priority of payment over other creditors. Company Directors Disqualification Act (1986) Consolidation Act on the disqualification of directors. Company Voluntary Arrangement (CVA) A voluntary agreement for a company is a procedure whereby application bad card credit

a plan of reorganisation or composition in satisfaction of debts, is put forward to creditors and shareholders. There is limited involvement by the court and the scheme is under the control of a supervisor. Composition An agreement between debtor and his creditors whereby the compounding creditors agree with the debtor between themselves to accept from the debtor payment of less than the bad credit home loan va

amounts due to them in full satisfaction of their claim. Compulsary Liquidation The placing of a company into liquidation as a result of an application to the court, usually by a creditor. Connected Persons Directors or shadow directors and their associates, and associates of the company. Consolidation The combining and repayment of several debts by borrowing bad credit home loa

the amount owed through one new debt. It is often possible to reduce interest charges or monthly outgoings by doing this. Often savings are made by converting unsecured debts to secured debts. This however puts the asset used as security at risk if payments are not maintained in full. Interest rates on secured loans are often lower than for unsecured loans because there is a lower risk of non-payment to the lender. bad car credit loan new

Contributary

Shareholder, every person liable to contribute to the assets of a company in the event of it being wound up. Court-Appointed Receiver A person, not necessarily a licensed insolvency practitioner, appointed to take charge of assets usually where they are subject to some legal dispute. Not strictly an insolvency process, the procedure may be used other than for a limited bad credit home loan really

company, e.g. to settle a partnership dispute. Creditor Someone owed money. Creditors Committee A creditors' committee is formed to represent the interests of all creditors in supervising the activities of an administrator or trustee in bankruptcy, or receiving reports from an administrative receiver. Creditors Voluntary Liquidation (CVL) Relates to an insolvent company. It is commenced by bad credit fix

resolution of the shareholders, but is under the effective control of creditors, who can choose the liquidator, liquidation committee. Debenture A document stating the terms of a loan, usually to a company. Debentures may be secured on part or all of a company's assets, or they may be unsecured. Often also referred to as a floating charge, and the lender is often referred to as the bad credit down home loan

debenture holder. Debt Management An informal process of negotiation with unsecured creditors to obtain a reduction in the contractual repayment and / or a reduction in the interest / charges being levied by the creditor. The negotiation process involves providing proof to the creditor that the individual has insufficient income to meet all their contractual liabilities Debtor bad credit lender

A person who owes money. Deed of Arrangement Method for an individual (not a company) to come to terms with creditors short of formal bankruptcy, it has now been almost completely replaced by Individual Voluntary Arrangements. Disqualification of Director A director found to have conducted the affairs of an insolvent company in an "unfit" manner may be disqualified, on application to the court by the DTI, from holding any management position in a company for between 2 and 15 years. bad buy car credit

Dividend

Any sum distributed to unsecured creditors in an insolvency. Extortionate Credit Transaction An extortionate credit transaction is a transaction by which credit is provided on terms that are exorbitant or grossly unfair compared with the risk accepted by the creditor. Such a transaction may be challenged by an administrator, a liquidator or a trustee in bankruptcy. bad bank credit loan personal

Fixed Charge

A fixed charge is a form of security granted over specific assets, preventing the debtor dealing with those assets without the consent of the secured creditor. It gives the secured creditor a first claim on the proceeds of sale, and the creditor can usually appoint a receiver to realise the assets in the event of default. Floating Charge A floating charge is a form of security granted to a creditor over general assets of a company which may change from time to time in the normal course of business (e.g. stock). The company can continue to use the assets in its business until an event of default occurs and the charge crystallises. If this happens, the secured creditor can realise the assets to recover his debt, usually by appointing an administrative receiver, and obtain the net proceeds of sale subject to the prior claims of the preferential creditors (e.g. Customs & Excise or Inland Revenue). bad credit home loan purchase

Fraudulent Trading

Where a company has carried on business with intent to defraud creditors, or for any fraudulent purpose. It is a criminal offence and those involved can be made personally liable for the company's liabilities. Going Concern Basis on which insolvency practitioners prefer to sell a business. Effectively it means the business continues, jobs are saved, and a higher price is obtained. bad credit loan motorcycle

Guarantee

A legal commitment to repay a debt if the original borrower fails to do so. Directors may give guarantees to banks in return for the bank giving finance to their companies. Companies in a group may guarantee each others loans. Income Payments Order A court order for a debtor to pay part of their surplus salary/income to the trustee. Individual Voluntary Arrangement (IVA) bad credit help home loan

A voluntary arrangement for an individual is a procedure whereby the person comes to an arrangement with his creditors in how their debt will be discharged. Such a scheme requires the approval of the court and is under the control of a supervisor. arizona bad credit home loan

Insolvent

The state of not being able to pay one's debts as they fall due or having an excess of liabilities over assets. Insolvency Act 1986 (IA 1986) Primary legislation governing insolvency law and practice. Nevertheless, many other statues and statutory instruments are also relevant. Insolvent Liquidation A company goes into insolvent liquidation if it goes into liquidation at a time when assets are insufficient for the payment of its debts and other liabilities and the expenses of liquidation. bad credit home loan motor

Insolvency Practitioner (IP)

Person authorised by one of the chartered accountancy bodies, the Law Societies, The Insolvency Practitioners Association or the Department of Trade. The only person who may act as office holder in an insolvency proceeding. Insolvency Rules The Insolvency Rules 1986, as amended, provide the detailed working procedures for the provisions of the Insolvency Act 1986. auto bad credit financing

Insolvency Rules (IA 1986)

The Insolvency Rules 1986 (as amended) these Rules apply where the Act applies. Where the old Act continue to apply so do the Bankruptcy Rules 1952 and the Companies (Winding Up) Rules 1949. There are separate rules dealing with insolvent partnerships, insolvent deceased's estates and deeds of arrangement. Interim Order An individual who intends to propose a voluntary arrangement to his creditors may apply to the court for an interim order which, if granted, precludes bankruptcy and other legal proceedings whilst the order is in force. bad car credit loan used

Investors Compensation Scheme

A statutory scheme operated by the SIB (Securities and Investments Board) to give individual investors up to £48, 000 protection if an authorised investment business collapses. Judgement 1. Recognition of a debt by a court. 2. Decision given by a court at the conclusion of a trial. Law of Property Act 1925 (LPA) bad credit ct home loan

Governs transactions in law and property. Contains statutory powers of receivers appointed under a fixed charge. LPA Receiver Law of Property Act 1925 receiver: a person (not necessarily an insolvency practitioner) appointed to take charge of a mortgaged property by a lender whose loan is in default, usually with a view to sale or to collect rental income for the lender. Common in the case of failure of a property developer, whose borrowings will largely be secured on specific properties. bad credit diego mortgage san

Lien

Right to retain possession of assets or documents until settlement of a debt. Liquidation The procedure whereby the assets of a company (or partnership) are gathered in and realised, the liabilities met and surplus, if any, distributed to members. Liquidation Committee Committee of creditors who receive information from the liquidator and sanction some of his actions. bad credit mortgage people

Liquidator

The person appointed to deal with the assets and liabilities of the company or partnership once the resolution to wind up has been passed or a compulsory winding up order has been made. Mareva Injunction Court order preventing the disposal of assets. Member Shareholder of a company. Members Voluntary Liquidation (MVL) A solvent liquidation where the shareholders appoint the liquidator to realise assets and settle all the company's debts in full within 12 months. bad credit down home loan no

Misfeasance

Breach of duty in relation to the funds or property of a company by its directors or managers. Mortgage A transfer of an interest in land or other property by way of security, redeemable upon performing the condition of paying a given sum of money. Nominee The person chosen by the individual or corporate debtor to report on the debtor's proposals for an IVA or CVA. bad company credit mortgage

Office Holder

A person who is required to be a qualified insolvency practitioner to hold the following posts, of a liquidator, provisional liquidator, administrator, administrative receiver, supervisor of a voluntary arrangement, or trustee in bankruptcy. Official Receiver (OR) The civil servant employed by the DTI to head the regional offices whose responsibilities cover bankruptcies and compulsory liquidations. bad credit home loan michigan

Onerous Property

The term onerous property in the context of a liquidation or bankruptcy, applies to unprofitable contracts and to property that is unsaleable or not easily saleable or that might give rise to a continuing liability. Such property can be disclaimed by a liquidator or a trustee in bankruptcy. Petition A written application to the court for relief or remedy. bad credit home loan pa

Policyholders protection Act 1975

An act which established Policyholders Protection Board to provide compensation to the public in the event of the liquidation of an insurance company. The Board will make payment in full of liabilities under certain policies of compulsory insurance and 90 per cent of liability to provide policyholders under other general and investment type policies. Compensation is restricted to individual policyholders or partnerships; corporate policyholders are not protected. bad computer credit financing

Preference

A payment or other transaction in the six month to two year period preceding a liquidation, administration or bankruptcy, which places a creditor or a person connected with the insolvent, respectively, in a better position than they would have been otherwise. A liquidator, administrator or trustee in bankruptcy may recover any sums which are found to be preferences. Preferential Creditor bad credit mortgage second uk

Defined in Schedule 6 of The Insolvency Act 1986. Has priority when funds are distributed by a liquidator, administrative receiver or trustee in bankruptcy. Proof of Debt The document submitted in an insolvency to establish a creditor's claim. It may be informal (by e.g. letter) or in a prescribed form (in bankruptcy and compulsory liquidations). Proving A creditor who claims is referred to as "proving" for his debt, and the document by which he seeks to establish his claim is his "proof". bad credit let mortgage

Provisional Liquidator

The person appointed by the court to deal with the affairs of the company until a compulsory winding up order. Proxy The authority given by a creditor or member to another person (proxy holder) to attend a meeting and speak and vote at a meeting on behalf of the creditor ( principal) or member. Proxyholder A person who is authorised to attend a meeting on behalf of someone else. bad credit get home loan

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