If you know you could write off credit card debt and loan debt would you? A lot of people wouldn’t. Many people see it as unethical to wipe off debts they have incurred from over spending and believe they should pay back what they owe, which in some senses the correct thing to do. We have all overspent at some point in our lives on useless things we don’t need, especially over the last few years in the build up to the recession where you couldn’t walk past a bank or building society without them trying to drag you in and lend you some money.

I suppose it all depends on perspective and how we view the people that lend us the money… i.e. the banks and loan companies. But first we still need to answer the question; Can you actually write off credit card debt?… Well the answer is yes, and unsecured loans too. You are now asking ‘how can this be possible?’ We’ll come to that in a minute. First let’s take a look at how ethical the lenders are first.

How ethical are the banks?

Well now lets see… You only have to turn on the television to hear about another bank being bailed out with tax payers money while BILLIONS are still being paid out in bonuses to high flying directors while people are losing their homes. The greed of the banks started the recession and it’s the taxpayer who has to pick up the pieces as usual. The recession may be officially over but Britain still owes over £1trillion and it’s not going to be repaid over night, which means the cost of living will rise over the next few years and our grandchildren will inevitably take some of the burden. And it’s all down to the greed of the banks…

Bank charges

What happens at the end of the month when you go a few pence overdrawn because you spent all your money on your essential bills? You get charged… What happens when you think you have saved some money by doing a 0% balance transfer, only to find you didn’t read the small print and notice that the bank pays off the existing debt on the card before the transferred balance locking in interest… You get charged… What happens when we fall ill, are unable to work and try to claim on our PPI (Payment Protection Insurance) they tell you… sorry computer says NO!

So we have to ask so they actually have a positive effect on our economy? I’ll let you make up your own mind. So how do you feel now about writing off debt?… Well if you want to know how it can be done here’s how you can do it.

How to Legally Write Off Credit Card and Loan Debts

Back in 2006, section 27 of the Consumer Credit Act (which governs lending under £25,000) was removed. This section was specifically designed to protect consumer from lenders who supply loans and credit cards without the correct documentation. The act was replaced in April 2007 but the procedure opened the flood gates for credit agreements to be challenged for enforceability. If the debt is found to be unenforceable, the debt can be completely written off.

The easiest way to prove the unenforceability of a credit agreement is to write to your lender and ask them for a signed copy of your agreement. If they fail to provide this they cannot prove that the debt even legally existed. This is not as simple as it sounds as most lenders will defend any challenge to submit information to you so you have to use the proper legal channels in order to succeed.

How to request a copy of your credit agreement

Initially you have to send them what’s called a ‘Consumer Credit Agreement Request’ under Section 77 or 78 of the Consumer Credit Act with a standard fee of £1 payable to the creditor. This is a standard practice. Along with this you should send a ‘Subject Access Request’, which entitles you to view any documentation and information they hold about you on their records under the Data Protection Act 1988. This will cost you a further £10, again, a standard practice. They are legally obliged to respond within 12 days for the ‘Consumer Credit Agreement Request’ and 28 days to the ‘Subject Access Request’, totaling 40 days.

More often than not, if they cannot find a signed copy of your agreement (Which a vast amount cannot due to system and legal changes) they will write to you offering to clear the balance under their obligation to the Consumer Credit Act. Winner! You walk away debt free…

What if they provide a signed copy of my agreement?

In some circumstances they will be able to provide a signed copy of your agreement which is where you ideally need to hand the case over to a professional debt solicitor who can go through the agreement with a fine toothcomb and challenge it for a lack of ‘prescribed terms’. Without specific prescribed terms the contract could be deemed unenforceable and the debt could be wiped off.

Remember due to the re-amendments to the Consumer Credit Act you can only write off debt before 2007. Only contracts taken out before this date can be challenged effectively in a court of law.
If you would like more information on how to write off credit card debt visit our website.

We have parties for all sorts of occasions, but how often do you have a Valentine’s Day/Evening Dinner Party? This holiday is often neglected to be celebrated with a group of people. It is normally reserved for couples in love. Valentine’s Day is the holiday to celebrate love, not just lovers.

Since there are all kinds of love, husband and wife love, child and parent love, brother and sister love, grandparent and grandchild love and even pet and owner love, it deserves to be included in the Valentine’s Day festivities. A Valentine’s Day/Evening dinner party can be fun and a bit on the unique side since most people just spend it going out to dinner together.

Here are some fun ideas to make your Valentine’s Day/Evening dinner party a big hit:

Invitations: You can either make or purchase your Valentine’s Day/Evening dinner party invitations. You should invite the people in your lives that mean the most to you and that are close to your heart. These people would likely include your partner, your children, your parents, your grandparents, and/or any dear friends. Decorating your own invitations could be a lot of fun and maybe you can even get the kids to participate. It is, however, an extra job to do. If you plan your party far enough ahead of time, though it should not be a problem.

Decorations: There are decorative string lots for all kinds of occasions now. Decorative string lighting is not just limited to Christmas lights anymore. Decorate with strings of lighting around your dining area that are adorned with hearts. You may want to set up a small pine tree and decorate it with lights, heart ornaments, cupid ornaments and other decorations pertaining to Valentine’s Day. Red and white candles on the table would add a loving and warm touch.

Tableware: Red, white or heart themed dinnerware would help to set the mood of a Valentine’s Day celebration. Red, white, crystal or heart-themed glassware and cloth napkins that would match accordingly with the rest of your dinnerware would complete the setting. Use your best silverware for the occasion. Remember this is a special day and should be treated as such. You are having the people that mean the most to you at this party so nothing but the best is good enough for them.

Foods: This can be so much fun at a Valentine’s Day/Evening dinner party! Decide on a main course that you think most people will enjoy. You might want to include a couple of main dishes depending on how big you want to make this dinner. Your main dishes should be a meat and/or a pasta-type dish. You will want to have a few types of common vegetables that are appealing to most people. If you know someone in the party is fond of a particular item, you can include that on the menu as well. Drinks could consist of wine or sparkling grape juice, which is delicious and harmless to everyone. Use your finest glassware to serve your drinks in. Wet the top edge of the glasses and tipping them upside down into ground sugar sprinkles turn them around full circle so that the sugar sticks to the edge. This will not only look pretty, but it will give your drink a little extra flavor.

Cards and gifts: You can exchange Valentine’s Day cards and small gifts with each other after dinner if you choose to include these things in your party.

Games: You may or may not desire to play some party games. There are party games for all ages that are fun and entertaining to play after dinner. You may or may not want to also include prizes for the winner of the game.

Your Valentine’s Day/Evening dinner party will likely be such a big hit with everyone you will want to have it again next year. You could even take turns having it at each other’s houses and everyone can bring a dish to pass.

Enjoy this holiday and celebrate the loves in your life!

Danielle Brooks is a freelance writer who loves to entertain. When entertaining she likes to use Noritake Colorwave dinnerware from Noritake

Sonic Chronicles: The Dark Brotherhood is developed by BioWare and published by Sega. The game is made on the Nintendo DS platform. In Australia, Sonic Chronicles: The Dark Brotherhood is released on the 25th September 2008. In Europe, the game is released on the 26th September 2008. In North America, the game is released on 30th September 2008. In Japan, the game is released on 6th August 2009. Sonic Chronicles: The Dark Brotherhood is a console role playing game and can be played in single player mode.

Sonic Chronicles: The Dark Brotherhood has eleven playable characters. Each of these characters is equipped with unique attack skills. Sonic the hedgehog is the only character that can perform the dash action up to level III. Sonic uses axe kick to perform a powerful kick to an enemy. Sonic performs whirlwinds by encircling the enemies and releases a powerful blow on them through wind attack. Sonic and Tails has the ability to perform a powerful spinball to injure the enemy. The fastball will send Sonic spinballing into the enemy to ward against the triple attack. Triple Tornado requires three characters on team including Sonic, Knuckles, and Tails. Triple Tornado generates a powerful wind attack to weaken the foes. Amy Rose called herself as Sonic’s boyfriend. However, in this game, Amy reveals that she is having affair with a new boyfriend called Dexter.

There are forty Chaos in the game. Chao can give you a special benefit when you are team up with another character in the battle. Chao egg will become hatched in a short time after you have collected it. Barbo allows a bonded character to have a higher HP. Belgog protect the bonded character so that they become harder to get injured. Bepke will make an assault against the bonded team instead of the foes. Blayze and Cheezlet bring more harm than good in the battle. Bobo always attempt to look for a bonus reward after the battle. Cheese will help the team members to be more fortunate. Cheezlet, Hayda, Stebsly, and Joy reestablish the bonded character to the beginning of the battle round. Choopaloo help you to get higher XP in the battle. Churdle helps the team members to hit the foe accurately. Dusty help you to catch an enemy. Ferox is a bonded character that increases the POW moves.

Fess makes the Chao eggs to hatch into a good egg. Ghise causes water damae. Gibber is a bonded character that prevents damage. Griff can perform ice damage on the foe. Hirna can formulate a earth shield to defend against damages. Kayla reduces the possibility of the team members to be ambushed by the enemies. Keroyo increase the chances of the enemies to surrender and run away during a fight. Knickt can formulate a shield of lighting to ward off the damages. Korus formulates a shield of fire to ward off damages. Luunan and Oolean helps the bonded character to have more PP. Ovyd revives a bonded character during a battle. Perty formulates water shield to ward off damage. Pyraz can perform fire damage. Radu Greatly increases maximum HP of bonded character. Rugle is a bonded character that increases the fate. Seeri can perform wind damage. Spartoi cause immediate KO against enemies. Stiglin’s attacks damage the earth. Velk has stronger resistance against damage. Zimba performs lightning damage. Zousar helps the team to ambush the enemies.

There are five Eggman devices. One is located in the Swatbot near the Eggman base, one can be obtained by returning the storekeeper’s stapler, another is obtained after you conquered the cave scorpions, and two in the Mystic Ruins.

Find Sonic the Hedgehog activities, scene creators, hints, and flash Sonic Games at Blueblurzone.com. The best place to play sonic online fun activities, and more.