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awakenlng369 · 4 months ago

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CPR 31.4 vs. CPR 31.6: DISCLOSURE - “Give me Documents you claim to have!”

CPR 31.4 v CPR 31.6 The Rules: Pre-action Directions . Legislation Follow on Telegram Buy me Coffee ☕️ What Is the Difference Between CPR 31.4 and CPR 31.6? In UK civil litigation, disclosure of documents is a key part of the process. The Civil Procedure Rules (CPR) provide detailed guidance on what should be disclosed and what qualifies as a “document.” Two important rules are: CPR 31.4 –…

#31.4 #31.6 #assignment #charge and debt #disclosure #Relevent documents #specific documents #Warrant of Control

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notlemoncello · 6 months ago

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I’m so fucking mad are you kidding me

“He’s screaming at people”

“He wasn’t even insured by UnitedHealth Care”

“Why didn’t he protest instead of shooting someone”

Why is the news pretending to be shocked at what is happening. America is a capitalist country, it will get away with as much as it can until there’s push back from the people affected. This is push back. Protests didn’t work, asking nicely didn’t work, pleading, begging, crying didn’t work.

What else can people do to make sure they are heard?

The federal government adding on charges after the state government already had charges is bullshit and dogpiling at best, the possibility of the death penalty on the federal level being on the table is even more bullshit. Personally I don’t give a shit what you did, no one should get the death penalty.

The government should not decide whose lives deserve to end.

Outside of that is genuinely costs more money for the government to kill someone than keep them in prison for life. Where the hell is “we need to decrease the National Debt” thinking now??

All of this truly shows how much the United States Government cares about the lives of CEOs, business, and corporations more that the lives of American Citizens.

If you are going to call me a dog then don’t be surprised if I bite like one.

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corvid-language-library · 5 months ago

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Hey so apparently if you have a student loan from SLC (UK) and you move abroad you have to update your employment status for SLC every year even if it doesn't change, otherwise they charge you £312 a month for every month that you don't do it. Anyway I had to pay the bastards £936 in December and now they're asking for another £624 and I just straight up don't have that so fml I guess :)

#would've been nice for them to remind me BEFORE charging me instead of 3 months later being like #'pay us £936 or we'll move into the final stage of reclaiming your debt'#like bruh WHAT #thieving cunts. i hope they step barefoot on a lego every day for the rest of their lives

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skrunksthatwunk · 4 months ago

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how do i tell my roommate that her cat repeatedly pissing on and destroying my things is something that people usually offer to clean or replace or apologize for instead of shrugging off

#there's always garbage scattered along the floor she has a million shoes that somehow end up under my bed #she fucking leaves her cat alone for days and days bc 'if he gets hungry he'll rip open the cat food bag' ?????#her cat killed one of her turtles bc of their shitty housing and the other one's visibly terrified to bask in the fucking #led light that gives off no heat that i TOLD her was wrong and unhealthy months ago #she never cleans said turtle's tank even though the algae bloom is currently insane #her shit takes up like 80% of the room for exactly zero reason #and i cant use my closet because rascal pissed in it over the month long break and she did nothing about it #meaning the whole closet smells so much like piss that any clothes that stay there will smell like piss #it's fucking filthy in here and she never cleans obviously but it also makes it harder for me to clean bc her shit's everywhere #can you please maybe just take some of the trash out before you go cheat on your boyfriend please #(<- at least im pretty sure that's what's going on? might be more of an open relationship)#your cat is fucking violent and filthy because you never hang out with him or clean anything #and next year i'll be gone (im Not living like this for another year) and someone else is going to put you into debt #charging you for the things your cat ruined or they're going to abuse him again and you don't even seem to care #bc you're too busy buying sorority merch and thinking about new tattoos and shit #i want broke ppl to have fun and to buy/do things that make them happy but her negligence literally has a body count now #bc she refuses to keep a turtle she's had for over a year in anything but shallow unprotected tupperware #a small glass tank isn't that expensive especially not compared to tattoos!! you Can save for this #and more importantly you Should have saved for this before getting a fucking living thing in your house #she kept her dead turtle rotting in our room for about three weeks. just. in a cup by the sink #and there's nowhere the cat can't reach so im terrified every time i leave that he's gonna piss on my mattress or something #that i'd be financially responsible for (or else that'd leave the poor inheriter of this room in filth) and couldn't really clean properly #and unfortunately i like talking to her so much and im so dogshit with confrontation that i never say anything #world's biggest sucker award!! fucking. christ on a cracker #like he's pissed on my SHOES. he's scratching up everything in here #and i don't want to pay outta my ass or spend a bunch of time trying to fix her cat for her #because contrary to popular belief i have shit to do!! i do not have the energy to have a cat That's Why I Don't Have One!!!!!#and i can't go to the RA bc she's not supposed to have any of these animals #if rascal gets taken from her chances are he's gonna get euthanized at our local shelter and i can't take him in bc of my dogs #but why doesn't she ever stop to think about how this might be affecting me?? my standards are not that high!!!!

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tenwhiteandalusians · 6 months ago

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and then no one said anything about the fact that if i watched ONE MORE episode tenax pulls a "i'm not angry i'm just disappointed i'm hurt" about scorpus signing with the white faction.

#do you see the vision here <- guy who has a watch rate of one episode per month #oh the implications of scorpus not being there for tenax in his time of need... the death of the child who is not but is symbolically their #is that a separate fic completely yes but it is ALSO in some ways a divorce fic. tenax like i needed you but scorpus also needing him #OH MY GOD THEY LITERALLY DO SAY FELIX WAS HIM and i can do SO much with the concept of a “stray”. oh please. please strays instead of rats #one knife to the ribs one fixed race one apartment board THAT'S A STORYLINE BABY RISE OR DIE THE ROMAN WAYYYYYY #i do see your calla/tenax storylines i do. i could be swayed but we are not here for that currently this is the same as the chariot racing #like i KNOW what i said about the gold faction representing everything that scares scorpus a dream he never thought they'd reach #and then to have it ripped away now he no longer even has the dream untarnished i do understand. which is why the “i'm disappointed”#kills me even MORE because it shows he gets it. like on some level he does understand why scorpus had to but it's his pride that's wounde #so to continue from what i WAS saying with:#sets the bar so low because how else would tenax love him (as if tenax would not do the same thing if he lost) and they have even MORE #questionable celebratory reward sex. yes i assigned scorpus a degradation/praise kink the world works in wondrous ways don't question it #scorpus/tenax #those about to die #tenax making sure to care for the kids is what's killing me too because i REALLY want to draw a parallel with scorpus making sure he takes #care of the prostitutes. yes he's a notorious hedonist yes he has a lot of sex but he always pays well doesn't he. over-well. he pays too #much and ends up in debt he pays enough to buy girls freedom. so that they only have to if they want to. it gets him a reputation sure AND #it gets whole houses of girls under his (and therefore tenax's) protection. you can't bruise her up; that's scorpus' favorite girl.#she can charge more for being favored. he can pay for massive parties where no one else is invited and if he falls asleep midway drunk #off his ass after a race the girls would never say. they still get paid. if tenax comes to watch and give instructions they'd never say.#if tenax tells them all to leave and it's just him and scorpus in the golden room and all the girls see before they shut the door #and latch it behind them is scorpus on his knees in the soft plush cushions with tenax offering him grapes one by one from his fingertips #like a favored concubine instead of the champion whose laurels are tilted on his head they won't say a word. not even when the noise #inside the room continues for long after the hour runs out the girls still stand watch until it's quiet and then crawl back in around where #scorpus is alone in the big wrecked bed with a smear of blood or wine on his mouth who could say. certainly they wouldn't.#no matter what they still get paid. whether they did the work to wreck him or not.#ANYWAY #they take care of the selves they couldn't protect is what i'm trying to say. for tenax it's the child he was/scorpus it's the body he sold #only he hasn't stopped having to sell it. & i guess as we're learning with the extortion tenax is still a child running from a burning hous

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nebulastarss · 22 days ago

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Built a grill today

#i am the brains my dad is the brawns but also i would grab shit from him and do it myself if hes being to slow #i may or may not have taken charge over the process...#god... and i call myself a follower. i did not follow thats for sure #anyway.#new grill cuz our last one was boutta fall apart. this ones ✨️fancier✨️#cuz we arent dirt poor this time when buying it #still being pelted with medical debt but! were doing better financially than before! and thats good!#feeling good. might even write some today #like. ok. story time.

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sablegear0 · 1 month ago

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Shopping around for bank accounts/credit cards for the personal business and man.

It's fukkin bleak out here.

#sable's brain junk #idk how to describe it it's just #soul sucking to look at all these fees and percentages and minimums #and no two banks ever give you the same information beyond surface-level shit so comparing the details of plans is actually really hard #like okay sure you're charging me this much for every additional e-transfer and paper statements would cost this much #but nobody else has that info? and yet you're not telling me what the minimum cap on your credit cards are #but another bank will cheerfully tell me yeah this card doesn't cap any lower than $500 #which is fine for me but I can see someone not wanting to hand their teenager the potential for a $500 debt you feel me?#so these things are useful to know but the freaking banks don't wanna tell you #there's a huge array of annoying rewards-points credit cards out there too

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loversarcanas · 10 months ago

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i h8 inst/acar/t

#bro im not gonna have enough for my rent at this rate #literally my paycheck is only gonna be like $100 and all of that is going to the dumbass debt collectors #who are charging me $100 WEEKLY until i pay off the $2k i owe #how am i supposed to live laugh love in these conditions </3

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savage-rhi · 11 months ago

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Having a B3 overdose be like

#for the record im okay now #but an hour ago i thought i was dying of an allergic reaction #i felt like a vampire stepping out into the sun and catching fire #my whole face chest upper back elbows arms had red patches like hives #no itching no swelling no dizziness could still breathe and blood pressure was good #but i felt like i dived into a pool of lava #i seriously thought “oh shit this is spontaneous human combustion im gonna end up in a ripleys believe it or not special.”#“guess ill die!”#still monitoring symptoms in case i gotta hit the er tonight but I'm feeling better #ive been taking b3 for a long time and never had a response like this maybe my body is thinking fuck this shit we're done #i checked off everything ive drank and eaten today and listed my meds im confident its this shit #still gonna go to the docs tomorrow for a follow up #but if i can dodge a 10000+ ER charge to the medical debt i already carry imma do that #im too impoverished for the weewoo mobile guys #murica for ya #anyway if you take b3 watch your six on this shit #(i know i gotta take it seriously but seeing the humor and making fun of myself helps me cope)#magenta is my vent word

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ivri · 7 months ago

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had a nightmare last night where I was $9,450 in debt to some company because they sponsored me to advertise some mobile game but I accidentally did twice and they phoned me months later to tell me about it

#thinking about it now the word “refinanced” had come up so it was probably my brain lingering #on earlier in the day where i infodumped about blaseball and Jaylen Hotdogfinger's debt #i couldnt even handle the phone call in the dream i had to get my mom to answer it and then later i had to phone my dad to ask what to do #i think the mobile game was fucking clash of clans too #i havent touched that since high school #dreams #nightmares #blaseball #debt #idk why they would have charged me $9450 but idk maybe thats how these things work #ive never been sponsored for anything #im not even a “content creator”

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kleefkruid · 1 year ago

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*looking at my massive tattoo supply bill* at least I'm not in one of those US tattoo shops where they charge their apprentices massive amounts of money to mop the floor 🥲🥲🥲

#not every shop in the US does that btw #normally it's an equal exange where the apprentice works for free and learns the trade while doing it #but bc there's more people looking to apprentice some people are charging a fee which I get to some point if you have something unique to #teach but I've seen some numbers that are downright criminal #people re-inventing student debt for tattooing over there #Anyways I am not there not my problem

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p0tat0-g0ddess · 8 months ago

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mm. money

#rambling #I just got out of credit card debt (not too bad but it got me for sure)#just paid off my medical bills #Was feeling good about trying to get my savings up again #a year ago today I had $9000 or so in the bank #and today I get a random charge for $1450 #I called them to verify. it's legit.#sigh

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fincrif · 3 months ago

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Can You Make Lump Sum Payments to Reduce EMI Burden?

Introduction

A personal loan is a convenient financial tool that provides quick funds without the need for collateral. However, the monthly Equated Monthly Installments (EMIs) can sometimes become a financial burden, especially if you have multiple loans. One effective way to reduce this burden is by making lump sum payments. But is it the right strategy for you? In this article, we will explore how lump sum payments work, their benefits, and whether they are an ideal approach for managing your personal loan repayment.

Understanding Lump Sum Payments

A lump sum payment refers to a large one-time payment made towards the outstanding principal of your personal loan. Unlike regular EMI payments, a lump sum reduces the principal amount, leading to lower interest charges over time.

When you take a personal loan, your EMI consists of two components:

Principal Repayment: The portion of your EMI that reduces the actual borrowed amount.

Interest Payment: The cost of borrowing money, which is charged on the outstanding principal.

Making a lump sum payment directly impacts the principal, thereby reducing the total interest burden and potentially shortening the loan tenure.

How Lump Sum Payments Affect Your Personal Loan

There are two main ways a lump sum payment can affect your personal loan repayment:

1. Reducing Loan Tenure

When you make a lump sum payment, the loan principal decreases, which means you can repay the loan faster.

This leads to fewer EMI payments, allowing you to become debt-free sooner.

2. Lowering EMI Amount

If you prefer to keep the loan tenure unchanged, the lender can adjust the EMI amount instead.

Your monthly repayment burden is reduced, making it easier to manage your finances.

Depending on your financial goals, you can choose either of these options when making a lump sum payment.

Benefits of Making Lump Sum Payments

1. Saves Interest Costs

Since interest is calculated on the outstanding principal, a lump sum payment reduces the loan balance, leading to lower interest payments.

2. Faster Loan Repayment

If you want to close your personal loan early, making a lump sum payment can significantly shorten the repayment period.

3. Improves Credit Score

By reducing your outstanding debt faster, lump sum payments can improve your credit score, making it easier to get future loans at better interest rates.

4. Reduces Financial Stress

Lower EMIs mean you have more disposable income to manage other financial commitments, reducing financial stress.

5. Frees Up Loan Eligibility

If you plan to take another loan in the future, reducing an existing personal loan balance increases your loan eligibility for other financial needs.

Things to Consider Before Making a Lump Sum Payment

While lump sum payments offer several benefits, there are a few factors to consider:

1. Prepayment Charges

Some lenders impose prepayment penalties when borrowers make a lump sum payment. Check with your bank or financial institution for applicable charges before making the payment.

2. Impact on Savings

Ensure that you have enough savings left after making a lump sum payment. Avoid using your entire emergency fund for prepayment, as it might leave you financially vulnerable.

3. Loan Agreement Terms

Some loans have restrictions on minimum prepayment amounts or limit the number of lump sum payments you can make. Always read the terms of your loan agreement.

4. Alternative Investment Opportunities

Instead of prepaying your loan, consider whether investing the same amount elsewhere could yield higher returns. If your personal loan has a low interest rate, investing might be a better option.

5. Future Financial Commitments

Before making a lump sum payment, ensure that you won’t need the funds for immediate expenses like education, medical emergencies, or home repairs.

How to Make a Lump Sum Payment on Your Personal Loan

If you have decided to make a lump sum payment, follow these steps:

Step 1: Contact Your Lender

Check with your lender about their prepayment policies and associated charges.

Step 2: Decide the Payment Amount

Based on your financial situation, determine how much you can afford to pay as a lump sum.

Step 3: Choose Between EMI Reduction or Tenure Reduction

If you prefer lower EMIs, ask your lender to adjust the EMI amount.

If you want to repay faster, opt for a tenure reduction.

Step 4: Make the Payment

Transfer the lump sum amount to your loan account via net banking, cheque, or direct deposit.

Step 5: Get Confirmation

Ensure that the bank provides a confirmation letter reflecting the new EMI or tenure after the lump sum payment.

When Is the Best Time to Make a Lump Sum Payment?

The best time to make a lump sum payment is early in the loan tenure when the interest component is highest. Here’s why:

In the initial years, a large portion of your EMI goes towards interest payments rather than principal.

By making an early lump sum payment, you significantly reduce interest costs and accelerate principal repayment.

Is a Lump Sum Payment the Right Choice for You?

A lump sum payment is beneficial if:

You have surplus funds from a bonus, inheritance, or investment return.

Your personal loan has a high interest rate, making prepayment a cost-saving strategy.

Your lender has low or zero prepayment charges.

You want to reduce your overall debt burden and improve financial security.

However, if making a lump sum payment leaves you with insufficient savings or affects other financial commitments, you might want to reconsider.

Alternative Strategies to Reduce EMI Burden

If a lump sum payment is not feasible, consider these alternative ways to manage your personal loan efficiently:

1. Loan Refinancing

Refinance your loan to get a lower interest rate, reducing your EMI burden.

2. Opt for Loan Restructuring

If you’re struggling with EMIs, discuss restructuring options with your lender to extend the tenure.

3. Increase EMI Payments Gradually

If a lump sum payment is not possible, increasing EMI payments as your income grows can help reduce tenure.

4. Create a Debt Repayment Plan

Budget effectively and allocate extra funds toward loan repayment each month.

Conclusion

Making a lump sum payment is an excellent strategy to reduce your EMI burden, save on interest, and repay your personal loan faster. However, it’s important to evaluate prepayment charges, financial stability, and alternative investment opportunities before proceeding. If done wisely, lump sum payments can significantly improve your financial health and bring you closer to a debt-free life. Always consult with your lender to explore the best repayment options available to you.