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Debt Advice & Help DebtFC West Lothian

February 8th, 2010

DebtFC provide a range of debt solutions, we don’t just offer Protected Trust Deeds or Debt Management Plans and we won’t offer you a debt solution unless we feel it is the best solution for you.
We know how difficult it is to cope when you feel that your whole money situation is out of control.
We know how difficult it is to deal with creditors that constantly call you at all hours and won’t take no for an answer.
That is what we are here for call us now on 0800 007 5307 and we will contact your creditors and take the pressure away from you.

Rent Arrears and Eviction – Notice to Quit DebtFC

February 6th, 2010

If you have missed paying your rent your landlord may threaten to evict you. Receiving a notice is the first stage in this process. The type of notice you receive will depend on the type of tenancy you have. If your landlord is a housing association or local authority, you should receive a notice called NPRP (this stands for “Notice of Proceedings for Recovery of Possession”). If you have a private tenancy, the notices are called a “Notice to Quit” and an AT6. By serving a valid notice upon you, your landlord becomes entitled to take you to court at the end of the notice period. You cannot be evicted just because a notice has been served upon you. Your landlord requires a court order to evict you.

Scottish Protected Trust Deed – Livingston

February 4th, 2010

Mr B Livingston – Scottish Protected Trust Deed

The benefit to me was that I did not have to deal with my creditors, as the constant telephone calls and threats from door stop collection agents was unbearable.

No more sleepless nights and trying to juggle payments from one creditor to another.

I am now able to get my life back on track without constantly worrying about my debts and in 36 months I will be debt free.

I would call DebtFC now on 0800 007 5307 and ask them if you qualify for a Protected Trust Deed I did and my payments were reduced from £1800 per month to £300 per month  the relief that I feel is unbelievable.

Mortgage to Rent, Shared Equity Scheme, DebtFC Livingston, West Lothian

February 3rd, 2010

In January 2009, the Scottish Government announced it was committing an
extra £10m to this initiative, as well as the new Shared Equity Scheme, which
enables the Scottish Government to take a financial stake in a debtor’s home.
Both of these initiatives are collectively known as the Home Owners Support
Fund. The fund has £35m pledged to it over two years, 2009/11.
The Shared Equity Scheme was launched on 16 March 2009, along with an
improved Mortgage to Rent Scheme. The new schemes introduced new
eligiblity criteria including:

Mortgage to Rent

  • Failure to reach agreement with lender on managing your arrears;
  • New maximum property values based on the lowest 25% of property
    prices in regions across Scotland;
  • Have been unable to make full mortgage payments for three months with
    at least one month owing;
  • Must be ineligible for help through UK Government Schemes including
    income support for mortgage interest;
  • Generally have less than 25% equity in your home.

Shared Equity

  • For shared equity you must hold at least 25% equity in your home;
  • Have a capital and interest mortgage (i.e. not an endowment);
  • Own a property which is above the Tolerable Standard.

DebtFC – west Lothian benefits of a debt management plan

February 2nd, 2010

Benefits of a debt management plan:-
Payments you can afford
Payment levels are based on what you can afford, not how much you owe. If you can afford to pay £100 per month towards your debts then DebtFC can help you.

One Monthly Payment
Less hassle for you. You make one affordable payment to us and we make payments to your creditors.
We deal with your creditors
Are you receiving threatning letters and phone calls from your creditors and debt collection agencies? Forward and refer these to us – we will deal with it.
Flexibility
If your financial situation changes – you may lower or raise your debt management plan payments accordingly or you may enter into a Protected Trust Deed or an Individual Voluntary Arrangement.  For more information email info@debtfc.co.uk or call 0800 007 5307

No more calls from creditors - DebtFC Debt Management Plan

What will happen if I fail to keep up payments on the Protected Trust Deed?

January 27th, 2010

It is really important that once you are in a Protected Trust Deed, that monthly payments are made as agreed. If at any point your financial situation changes and the monthly payments are no longer affordable, then you must advise your Trustee to see if your payments can be reduced or perhaps the terms of your Trust Deed extended.

If you don’t keep up payments then your supervisor can initiate sequestration (bankruptcy in Scotland) proceedings against you. Please call DebtFC for advice on 0800 007 5307 or email at info@debtfc.co.uk DebtFC offering free debt advice and help, based in Livingston, West Lothian, Scotland, UK

Debt Free Happy Couple

How would you like to be Debt Free?

No Fee Protected Trust Deed – West Lothian

January 21st, 2010

When I first heard about the amount of debt that could be written off with a Scottish Protected Trust Deed, I thought that can’t be right. But after contacting DebtFC they explained that it is government legislation that enables you to write off as much as 90% of your unsecured debt.

They arranged for my payments to be reduced to an affordable £125 per month over a period of 36 months, writing off £31,000 of credit cards and loans and with full agreement of my creditors I am now looking forward to a debt free future.

DebtFC do not unlike many of our competitors charge up front fees or charges. We are an independent Debt Solution Company. We work for you and not your creditors

Equity Release – Fast Sale Cash Buyers Livingston, West Lothian

November 16th, 2009

Equity Release

Equity release lets you release some of the money you have in your home, without having to move, which you can use towards a more comfortable retirement.
Available for people who are over the age of 55 and who have no mortgage or a very small mortgage balance.
The minimum value of your property usually needs to be £75,000 and dependent on your age you would be able to release a percentage of your equity. The older you are the more money you can release but as this may also affect your state benefits you should think very carefully and seek independent advice before going down this route.
Make sure that the lender is a member of SHIP (Safe Home Income Plans) and that you fully discuss all your options with a financial advisor who is qualified to give advice on equity release schemes.

Fast Sale

If you wish to sell your home fast for a quick cash sale then contact us on

0800 007 5307 as we buy property all over Scotland.
This week we have purchased a large 3 bedroomed terraced house in Dedridge, Livingston and a lovely 2 bedroomed cottage in the Borders.
We buy all types of property terraced houses, detached properties and flats just give us a call on 0800 007 5307 or email info@debtfc.co.uk

Celebrity bankruptcies – You know what they say the more you have the more you have to lose

November 9th, 2009

Corey Haim bankrupt - DebtFC Livingston, west lothianFamous people who are bankrupt:

Name  – Occupation –  Birth –  Death -  Known for
Willie Aames Actor 15-Jul-1960   Tommy on Eight is Enough
Benedict Arnold Military 14-Jan-1741 14-Jun-1801 Betrayed colonists to British
John James Audubon Naturalist 26-Apr-1785 27-Jan-1851 Illustrated Birds of America
Wally Backman Baseball 22-Sep-1959   Hitter for the New York Mets, 1980-88
P. T. Barnum Hoaxer 5-Jul-1810 7-Apr-1891 Circus showman
John Barrymore Actor 14-Feb-1882 29-May-1942 Romeo and Juliet
Kim Basinger Actor 8-Dec-1953   L.A. Confidential
Barbara Bel Geddes Actor 31-Oct-1922 8-Aug-2005 Miss Ellie on Dallas
Melvin Belli Attorney 29-Jul-1907 9-Jul-1996 The King of Torts
Bunny Berigan Jazz Musician 2-Nov-1908 2-Jun-1942 Jazz trumpeter great
George Best Soccer 22-May-1946 25-Nov-2005 Manchester United
Nellie Bly Journalist 5-May-1864 27-Jan-1922 Ten Days in a Mad-House
John Wayne Bobbitt Victim 23-Mar-1967   Penectomy survivor
Peter Bogdanovich Film Director 30-Jul-1939   The Last Picture Show
Edwin Booth Actor 13-Nov-1833 7-Jun-1893 Renowned 19th century American actor
Bjorn Borg Tennis 6-Jun-1956   Pro tennis player
Riddick Bowe Boxing 10-Aug-1967   Twice World Heavyweight Champion
Lorraine Bracco Actor 2-Oct-1954   Goodfellas, The Sopranos
Mathew Brady Photographer 15-Jan-1823 15-Jan-1896 Civil War photographer
Toni Braxton Singer 7-Oct-1966   Un-Break My Heart
Louise Brooks Actor 14-Nov-1906 8-Aug-1985 Pandora’s Box
Sylvia Browne Paranormal 19-Oct-1936   Afraid to accept Randi’s $1 million challenge
Lenny Bruce Comic 13-Oct-1925 3-Aug-1966 Multiply obscene comic
Anita Bryant Activist 25-Mar-1940   Anti-homosexuality activist
Buffalo Bill Performance Artist 26-Feb-1846 10-Jan-1917 Wild West showman
Richard G. Butler Activist 23-Feb-1918 8-Sep-2004 Founder of the Aryan Nations
Crazy Cabbie Radio Personality 10-Dec-1968   Part of the Howard Stern menagerie
Luther Campbell Rapper 22-Dec-1960   2 Live Crew, Luke Records founder
Tia Carrere Actor 2-Jan-1967   Wayne’s World
Nell Carter Actor 13-Sep-1948 23-Jan-2003 Housekeeper on Gimme A Break
Willis Carto Activist 17-Jul-1926   Founder of Liberty Lobby, IHR
Raymond Carver Author 25-May-1938 2-Aug-1988 Will You Please Be Quiet, Please?
Miguel de Cervantes Novelist 29-Sep-1547 22-Apr-1616 Don Quixote
Bill Ceverha Government c. 1936   Lobbyist, GOP activist
André Citroën Engineer 5-Feb-1878 3-Jul-1935 Europe’s Henry Ford
George Clinton Singer 22-Jul-1940   Funkadelic
Gary Coleman Actor 8-Feb-1968   Arnold Jackson on Diff’rent Strokes
John Connally Politician 27-Feb-1917 15-Jun-1993 Governor of Texas, 1963-69
Denton Cooley Doctor 22-Aug-1920   Pioneering heart surgeon
John Singleton Copley Painter 3-Jul-1738 9-Sep-1815 Boy with a Squirrel
Francis Ford Coppola Film Director 7-Apr-1939   The Godfather
A. C. Cowlings Football 16-Jun-1947   O.J.’s best friend
David Crosby Musician 14-Aug-1941   Crosby, Stills, and Nash
Aleister Crowley Religion 12-Oct-1875 1-Dec-1947 Wickedest man in the world
Charles Cullen Criminal 1960   Claimed to have killed 30-40 patients
Vic Damone Singer 12-Jun-1928   Singer of ballads
Dorothy Dandridge Actor 9-Nov-1922 8-Sep-1965 Carmen Jones
Jim Davidson Comic 13-Dec-1953   Stand Up Jim Davidson
Darren Day TV Personality 17-Jul-1968   British tabloid fodder
Daniel Defoe Author Sep-1660 24-Apr-1731 Robinson Crusoe
John DeLorean Business 6-Jan-1925 19-Mar-2005 Automobile designer and entepreneur
Walt Disney Business 5-Dec-1901 15-Dec-1966 Founder of Disney empire
Jim Dooley Football 8-Feb-1930 8-Jan-2008 Chicago Bears Head Coach, 1968-71
Henry Dunant Activist 8-May-1828 30-Oct-1910 Red Cross founder
William C. Durant Business 8-Dec-1861 18-Mar-1947 Founder of General Motors
Lenny Dykstra Baseball 10-Feb-1963   Philadelphia Phillies OF
Freddy Fender Musician 4-Jun-1937 14-Oct-2006 Before the Next Teardrop Falls
Stepin Fetchit Actor 30-May-1902 19-Nov-1985 Professional black stereotype
Eddie Fisher Singer 10-Aug-1928   Crooner, top RCA/Victor vocalist
Mick Fleetwood Musician 24-Jun-1942   Fleetwood Mac
Heidi Fleiss Criminal 30-Dec-1965   Hollywood madam
Redd Foxx Comic 9-Dec-1922 11-Oct-1991 Foul-mouthed comedian, Sanford and Son
John C. Fremont Explorer 21-Jan-1813 13-Jul-1890 Conqueror of California
R. Buckminster Fuller Architect 12-Jul-1895 1-Jul-1983 Futurist, invented the geodesic dome
Zsa Zsa Gabor Actor 6-Feb-1917   Cop-slapping Gabor sister
Leif Garrett Musician 8-Nov-1961   1970s teen idol
Marvin Gaye Singer 2-Apr-1939 1-Apr-1984 Heard It Through the Grapevine
Wally George TV Personality 4-Dec-1931 5-Oct-2003 Abusive conservative spectacle
Andy Gibb Musician 5-Mar-1958 10-Mar-1988 I Just Want To Be Your Everything
Jim Gilchrist Activist 1949   Minuteman Project founder
Gary Glitter Musician 8-May-1944   Rock and Roll Part 2
Bernhard Goetz Criminal 7-Nov-1947   Subway vigilante
Charles Goodyear Inventor 29-Dec-1800 1-Jul-1860 Invented rubber vulcanization process
Abraham Gosman Business 1928   Bankrupt Palm Beach nursing home magnate
Ulysses S. Grant Head of State 27-Apr-1822 23-Jul-1885 Eighteenth President of the United States
Mike Gravel Politician 13-May-1930   US Senator from Alaska, 1969-81
Archie Griffin Football 21-Aug-1954   Winner, 1974 and 1975 Heisman Trophy
Johannes Gutenberg Inventor 1398 3-Feb-1468 Inventor of movable type
Tony Gwynn Baseball 9-May-1960   Batted .394 in 1994 for the Padres
Merle Haggard Country Musician 6-Apr-1937   Okie From Muskogee
Corey Haim Actor 23-Dec-1971   One of the Coreys
Frans Hals Painter 1580 29-Aug-1666 Dutch portraitist
Dorothy Hamill Figure Skating 26-Jul-1956   Olympic figure skater, gold medal 1976
MC Hammer Singer/Songwriter 30-Mar-1962   Can’t touch this
George Frideric Handel Composer 23-Feb-1685 14-Apr-1759 Messiah
Isaac Hayes Musician 20-Aug-1942 10-Aug-2008 Theme from Shaft
Margaux Hemingway Actor 16-Feb-1955 2-Jul-1996 Troubled actress OD’d on klonopin
Sherman Hemsley Actor 1-Feb-1938   The Jeffersons
Ty Herndon Country Musician 2-May-1962   Country music star caught in cruisy park
Ed Herschler Politician 27-Oct-1918 5-Feb-1990 Governor of Wyoming, 1975-87
Perez Hilton Columnist 23-Mar-1978   Gossip columnist
Kent Hovind Religion 15-Jan-1953   Creation Science huckster
Steve Howe Baseball 10-Mar-1958 28-Apr-2006 MLB pitcher
Norman Hsu Philanthropist Oct-1951   Notorious Democratic donor
E. Howard Hunt Criminal 9-Oct-1918 23-Jan-2007 Coordinated Watergate break-in
Nelson Bunker Hunt Business 22-Feb-1926   Tried to corner the silver market
David Irving Activist 24-Mar-1938   Notorious Holocaust denier
Ronald Isley Musician 21-May-1941   An Isley brother
La Toya Jackson Singer 29-May-1956   Michael Jackson’s other sister
Eli S. Jacobs Baseball 5-Oct-1937   Former Baltimore Orioles owner
Richard Jaeckel Actor 10-Oct-1926 14-Jun-1997 Sometimes a Great Notion
Don Johnson Actor 15-Dec-1949   Miami Vice, Nash Bridges
Al Jolson Singer 26-May-1886 23-Oct-1950 The Jazz Singer
George Jones Country Musician 12-Sep-1931   Country singer, White Lightning
Charles Keating Business 4-Dec-1923   Morality crusader, white-collar swindler
Buster Keaton Actor 4-Oct-1895 1-Feb-1966 The General
Bernard Kerik Government 4-Sep-1955   NYC Police Commissioner, 2000-01
Margot Kidder Actor 17-Oct-1948   Lois Lane in Superman
Larry King Talk Show Host 19-Nov-1933   Larry King Live
Robert Kiyosaki Author 8-Apr-1947   Rich Dad, Poor Dad
Suge Knight Business 19-Apr-1965   Rap mogul and ex-con
Veronica Lake Actor 14-Nov-1922 7-Jul-1973 Sullivan’s Travels
Lyndon LaRouche Economist 8-Sep-1922   Eccentric economist politician
Cyndi Lauper Singer/Songwriter 22-Jun-1953   Girls Just Want To Have Fun
Anton LaVey Religion 11-Apr-1930 29-Oct-1997 Founder, Church of Satan
Jerry Lewis Comic 16-Mar-1926   Cinderfella
Jerry Lee Lewis Musician 29-Sep-1935   Goodness gracious, great balls of fire
Abraham Lincoln Head of State 12-Feb-1809 15-Apr-1865 16th US President, 1861-65
Horace Liveright Publisher 10-Dec-1886 24-Sep-1933 Publisher of the Modern Library series
Meat Loaf Musician 27-Sep-1947   Bat Out of Hell
Terry L. Long Football 21-Jul-1959 7-Jun-2005 Pittsburgh Steelers offensive lineman
Lisa “Left Eye” Lopes Singer 27-May-1971 25-Apr-2002 Member of TLC
Henry Mayhew Journalist 1812 25-Jul-1887 Punch
William McKinley Head of State 29-Jan-1843 14-Sep-1901 25th US President, 1897-1901
Tom Metzger Activist 9-Apr-1938   White supremacist
Robert Mills Architect 12-Aug-1781 3-Mar-1855 Washington Monument
Marvin Mitchelson Attorney 7-May-1928 18-Sep-2004 Celebrity divorce lawyer
Barrett Moore Business ?   Triple Canopy founder
Robert Morris Politician 31-Jan-1734 7-May-1806 Financed the Revolutionary War
Mae Murray Actor 10-May-1889 23-Mar-1965 The Girl with the Bee Stung Lips
John Nash Architect 1752 13-May-1835 British Regency architect
Willie Nelson Country Musician 30-Apr-1933   The red-headed stranger
Wayne Newton Singer 3-Apr-1942   Top Las Vegas act
Harry Nilsson Singer/Songwriter 15-Jun-1941 15-Jan-1994 Me and My Arrow
F. Donald Nixon Relative 23-Nov-1914 27-Jun-1987 Nixon’s brother, got $205K from Hughes
Emperor Norton Royalty 14-Feb-1819 8-Jan-1880 Emperor of the United States, Protector of Mexico
Ted Nugent Musician 13-Dec-1948   Rock star, bowhunting enthusiast
Kate O’Brien Novelist 3-Dec-1897 13-Aug-1974 The Land of Spices
Thomas Paine Activist 29-Jan-1737 8-Jun-1809 Common Sense
Johnny Paycheck Country Musician 31-May-1938 18-Feb-2003 Take This Job and Shove It
Anthony Pellicano Business 22-Mar-1944   Hollywood private eye
Michael Peterson Author 23-Oct-1943   The Staircase
Tom Petty Musician 20-Oct-1950   Don’t Come Around Here No More
Philip II Royalty 21-May-1527 13-Sep-1598 King of Spain, 1556-98
Charles Ponzi Criminal 3-Mar-1882 18-Jun-1949 Get-rich-quick schemes
Peter Popoff Religion 1946   Fraud exposed on the Tonight Show
Bud Post unspecified c. 1930 15-Jan-2006 Unhappy lottery millionaire
Susan Powter Fitness Guru 22-Dec-1957   Stop the Insanity! fitness guru
Randy Quaid Actor 1-Oct-1950   Parents
Lynn Redgrave Actor 8-Mar-1943   The Happy Hooker
Rembrandt Painter 15-Jul-1606 4-Oct-1669 Anatomy Lesson of Dr. Tulp
Tommy Rettig Actor 10-Dec-1941 15-Feb-1996 Jeff Miller in Lassie
Burt Reynolds Actor 11-Feb-1936   Moustached Cannonball Run actor
Debbie Reynolds Actor 1-Apr-1932   Dancer, actress
Andre Rison Football 18-Mar-1967   Bad Moon Rison
Mickey Rooney Actor 23-Sep-1920   Actor in Andy Hardy comedies, musicals
Rick Ross Activist 24-Nov-1952   Cult expert, deprogrammer
Clarence Saunders Business 9-Aug-1881 14-Oct-1953 Father of modern retailing
Oskar Schindler Activist 28-Apr-1908 9-Oct-1974 Saved over 1000 from Nazis
Billy Sims Football 18-Sep-1955   Detroit Lions RB
Tom Sizemore Actor 29-Nov-1961   Heat, Robbery Homicide Division
Anna Nicole Smith Model 28-Nov-1967 8-Feb-2007 Addled golddigger
Joseph Smith Religion 23-Dec-1805 27-Jun-1844 Founded the Mormon faith
Dee Snider Musician 15-Mar-1955   Frontman for Twisted Sister
Phoebe Snow Jazz Musician 17-Jul-1952   Jazz vocalist
Leon Spinks Boxing 11-Jul-1953   Olympic boxing champion
Sheryl Swoopes Basketball 25-Mar-1971   Three-time WNBA MVP
Fife Symington Politician 12-Aug-1945   Governor of Arizona, 1991-97
Lawrence Taylor Football 4-Feb-1959   NFL Hall of Famer
Randall Terry Activist c. 1959   Operation Rescue founder
Nikola Tesla Inventor 10-Jul-1856 7-Jan-1943 Invented alternating current
Bryan Trottier Hockey 17-Jul-1956   NHL Hall of Famer
Bianca Trump Pornstar 7-Nov-1972   Rent-a-Butt
Donald Trump Business 14-Jun-1946   The Donald
Mark Twain Author 30-Nov-1835 21-Apr-1910 Huckleberry Finn
Boss Tweed Government 3-Apr-1823 12-Apr-1878 Boss of Tammany Hall
Mike Tyson Boxing 30-Jun-1966   Crazy tattooed recidivist boxer
Johnny Unitas Football 7-May-1933 11-Sep-2002 The Golden Arm
Michael Vick Football 26-Jun-1980   Atlanta Falcons QB in dogfighting scandal
Murray Waas Journalist c. 1960   Washington reporter
Carol Wayne Actor 6-Sep-1942 13-Jan-1985 Art Fern’s Tea-Time Movie Lady
Dottie West Country Musician 11-Oct-1932 4-Sep-1991 Country Sunshine
John Whitehead Musician 2-Jul-1948 11-May-2004 Ain’t No Stoppin’ Us Now
Herbert Wilcox Film/TV Producer 19-Apr-1892 15-May-1977 Forever and a Day
Oscar Wilde Playwright 16-Oct-1854 30-Nov-1900 The Picture of Dorian Gray
James Wilkinson Military 1757 28-Dec-1825 Duplicitous soldier and adventurer
Wallace Wilkinson Politician 12-Dec-1941 5-Jul-2002 Governor of Kentucky, 1987-91
James Wilson Judge 14-Sep-1742 28-Aug-1798 US Supreme Court Justice, 1789-98
Ray Winstone Actor 19-Feb-1957   Vincent
Tammy Wynette Country Musician 5-May-1942 6-Apr-1998 Stand By Your Man
Peter Wyngarde Actor 23-Aug-1933   Jason King
Vincent Youmans Composer 27-Sep-1898 5-Apr-1946 No, No Nanette
Florenz Ziegfeld Theatre Producer 21-Mar-1869 22-Jul-1932 The Ziegfeld Follies

DebtFC operates a strict NO WIN-NO FEE policy. PPI Claims

November 5th, 2009

DebtFC operates a strict NO WIN-NO FEE policy.
Our process is also deliberately clear and simple.
We do not have any hidden clauses or charges. You supply us with the relevant information, we use our experience and extensive legal skills to get your compensation.
DebtFC is one of the UK’s most experienced financial claims management companies. Making your claim could not be simpler. Decide the area(s) where you wish to claim and call us on 0800 007 5307 or complete the enquiry form.
 It really is that simple!
1. Contact us today without any obligation
2. We will discuss your claim and case options with you.
3. You send us the relevant policy and/or account documents.
4. We make complete legal and administrative representation on your behalf to the financial company involved, the Ombudsman and even to the Courts if necessary.
5. Your claim is settled and completed.

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