{"id":104,"date":"2021-03-01T15:10:09","date_gmt":"2021-03-01T14:10:09","guid":{"rendered":"https:\/\/old.oddluzanieuk.com\/?page_id=104"},"modified":"2022-10-13T10:09:02","modified_gmt":"2022-10-13T09:09:02","slug":"trust-deed-szkocja","status":"publish","type":"page","link":"https:\/\/old.oddluzanieuk.com\/index.php\/trust-deed-szkocja\/","title":{"rendered":"Trust Deed &#8211; Szkocja"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"104\" class=\"elementor elementor-104\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1751e3f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1751e3f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e7a5966\" data-id=\"e7a5966\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-beb02c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"beb02c2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-73da4fed\" data-id=\"73da4fed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-342f34b1 elementor-widget elementor-widget-image\" data-id=\"342f34b1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/oddluzanieuk.com\/pl\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"175\" src=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/www.oddluzanieuk-768x175.jpg\" class=\"attachment-medium_large size-medium_large\" alt=\"\" srcset=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/www.oddluzanieuk-768x175.jpg 768w, https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/www.oddluzanieuk-300x69.jpg 300w, https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/www.oddluzanieuk.jpg 814w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5756ccc6\" data-id=\"5756ccc6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4743797 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4743797\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27e4af7\" data-id=\"27e4af7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fff7c93 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fff7c93\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-571ac31\" data-id=\"571ac31\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6df0f7f elementor-widget elementor-widget-text-editor\" data-id=\"6df0f7f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><strong>Protected Trust Deed \u2013 dla Polak\u00f3w mieszkaj\u0105cych&nbsp;w Szkocji<\/strong><\/h2>\n<p>PTD (umowa powiernicza) Chroniony akt zaufania jest to formalna procedura upad\u0142o\u015bciowa <a href=\"https:\/\/www.legislation.gov.uk\/sdsi\/2013\/9780111021361\">\u201cThe Protected Trust Deeds (Scotland) Regulations 2013<\/a>\u201d Umowa ta jest prawnie wi\u0105rz\u0105ca. Zawiera si\u0119 j\u0105 mi\u0119dzy osob\u0105 fizyczn\u0105 a licensed insolvency practitioner* (IP kt\u00f3ry dzia\u0142a jako Powiernik\/Trustee). Umowa ta jest korzystna dla wszystkich niezabezpieczonych wierzycieli.To rozwi\u0105zanie pomaga znacz\u0105co pozby\u0107 si\u0119 d\u0142ug\u00f3w je\u017celi mieszkasz w Szkocji. Jest to alternatywa dla Szkockiego Bankructwa i <a href=\"https:\/\/old.oddluzanieuk.com\/index.php\/debt-arrangement-scheme-das\/\">DAS<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce1f017 elementor-widget elementor-widget-text-editor\" data-id=\"ce1f017\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>*Licensed Insolvency Practitioner &#8211; Specjalista ds. Niewyp\u0142acalno\u015bci (IP). Jest to osoba kt\u00f3ra posiada licencj\u0119 i jest upowa\u017cniona do dzia\u0142ania w stosunku do niewyp\u0142acalnej osoby fizycznej, partnership i company. Wi\u0119kszo\u015b\u0107 IP to ksi\u0119gowi lub specjali\u015bci od niewyp\u0142acalno\u015bci pracuj\u0105cy w firmach ksi\u0119gowych.\u00a0IP musi posiada\u0107 licencj\u0119, zaliczony egzamin upad\u0142o\u015bciowy (JIEB). Niezb\u0119dne jest r\u00f3wnie\u017c do\u015bwiadczenie zawodowe w upad\u0142o\u015bci. IP musz\u0105 przestrzega\u0107 prawa, a ich praca jest monitorowana przez organy regulacyjne.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2140ac7c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2140ac7c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a593e05\" data-id=\"a593e05\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-49b5d043 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49b5d043\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2ab2f99d\" data-id=\"2ab2f99d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4232fa45 elementor-widget elementor-widget-text-editor\" data-id=\"4232fa45\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>ZALETY:<\/strong><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19e74892 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"19e74892\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">po okresie 4 lat jeste\u015b wolny od d\u0142ug\u00f3w<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">jedyna rata miesi\u0119czna w ramach wszystkich Twoich d\u0142ug\u00f3w okre\u015blana jest na podstawie Twoich mo\u017cliwo\u015bci finansowych, a nie na podstawie wysoko\u015bci d\u0142ug\u00f3w - od pocz\u0105tku ustanowienia programu masz zagwarantowane to, aby w Twoim portfelu zostawa\u0142y pieni\u0105dze na godne utrzymanie Ciebie, rodziny i Twojego gospodarstwa domowego<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">z nami nie ponosisz \u017cadnych dodatkowych koszt\u00f3w - jedynym Twoim zobowiazaniem finansowym wobec zawarcia programu PROTECTED TRUST DEED jest ustanowiona jedna comiesi\u0119czna minimalna rata<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">po up\u0142ywie 4 lat reszta Twoich zad\u0142u\u017ce\u0144 w efekcie zostaje bezzwrotnie umorzona; czasem stanowi to nawet 75% od ca\u0142o\u015bci d\u0142ug\u00f3w<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Twoje odsetki zostaj\u0105 zamro\u017cone a wierzyciele maj\u0105 prawny zakaz kontaktowania si\u0119 z Tob\u0105<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">tak wi\u0119c, jeste\u015b ca\u0142kowicie chroniony przed swoimi wierzycielami; w praktyce wyglada to tak, \u017ce w og\u00f3le si\u0119 z Toba nie kontaktuj\u0105 i nie naliczaj\u0105 \u017cadnych dodatkowych op\u0142at, a odsetki sa zamro\u017cone<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">unikasz bankructwa, komornik\u00f3w i firm windykacyjnych; unikasz r\u00f3wnie\u017c nieprzyjemno\u015bci, ponagle\u0144 i faktu, \u017ce Twoje pieni\u0105dze zamiast na \u017cycie id\u0105 na odsetki i koszty obs\u0142ugi d\u0142ug\u00f3w<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Tw\u00f3j Credit Score nawet jak nie jest dobry - nie ma wp\u0142ywu na to, czy nale\u017cy si\u0119 Tobie pomoc z naszej strony<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">wszelkie dzia\u0142ania komornicze i windykacyjne przeciwko Tobie zostaj\u0105 wstrzymane<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Twoje odsetki bankowe zostaj\u0105 zamro\u017cone<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">we wsp\u00f3\u0142pracy z nami proces komunikacyjny odbywa si\u0119 w j\u0119zyku polskim<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u017celi jeste\u015b w\u0142a\u015bcicielem domu lub samochodu - zachowujesz je, tj. pozostaj\u0105 nadal w Twojej w\u0142asno\u015bci<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">w skutek dzia\u0142ania ca\u0142ego procesu odzyskujesz zdolno\u015b\u0107 kredytow\u0105 - Credit Score<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">nie musisz zaci\u0105ga\u0107 kolejnych po\u017cyczek na sp\u0142acenie swoich starych zobowi\u0105za\u0144 finansowych i tym samym nie pogr\u0105\u017casz si\u0119 dalej finansowo<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">zyskujesz kontrol\u0119 nad swoimi finansami, co jest g\u0142\u00f3wnym celem walki z d\u0142ugami<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">nie musisz og\u0142asza\u0107 kosztownego bankructwa i nara\u017ca\u0107 si\u0119 na licytacj\u0119 Twojego maj\u0105tku. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-57c709d6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"57c709d6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5e120881\" data-id=\"5e120881\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6eb63281 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6eb63281\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-77a0fe7f\" data-id=\"77a0fe7f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-43045074 elementor-widget elementor-widget-image\" data-id=\"43045074\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"121\" height=\"142\" src=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/pomysl.jpg\" class=\"attachment-large size-large\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4648c27a\" data-id=\"4648c27a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d8e7f7e elementor-widget elementor-widget-text-editor\" data-id=\"4d8e7f7e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Podsumowuj\u0105c:<\/strong><\/p><p><strong>Przestajesz by\u0107 niewolnikiem wielu rat (r\u00f3\u017cne terminy, r\u00f3\u017cne kwoty). Wszystkie Twoje d\u0142ugi zawarte s\u0105 w jednej ma\u0142ej racie, kt\u00f3ra jest tak wyliczna, aby by\u0142o Ci\u0119 sta\u0107 na utrzymanie siebie i rodziny. Do tego posiadasz komfort, jakim jest brak kontaktu i nacisk\u00f3w ze strony twoich wierzycieli, czyli instytucji, kt\u00f3rym jeste\u015b winien pieni\u0105dze.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37cb458e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37cb458e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d30c1da\" data-id=\"4d30c1da\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6a8cbeb2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a8cbeb2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4989e4b8\" data-id=\"4989e4b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fda3fe2 elementor-widget elementor-widget-text-editor\" data-id=\"2fda3fe2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>WADY:<\/strong><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e2b7ef3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6e2b7ef3\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">program chce pomaga\u0107 dopiero od \u0142\u0105cznej kwoty \u00a36000<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">pomimo, \u017ce program jest bardzo otwarty na pomoc, w niekt\u00f3rych przypadkach nie mo\u017cemy pom\u00f3c; bywaj\u0105 sytuacje, w kt\u00f3rych nale\u017cy odczeka\u0107 i ponownie spr\u00f3bowa\u0107 przyst\u0105pi\u0107 do programu (90-93% przyznawalno\u015bci)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">jednoczesne aplikowanie o PTD do wi\u0119cej ni\u017c jednej firmy mo\u017ce utrudni\u0107 Tobie osi\u0105gni\u0119cie celu<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">w czasie trwania programu nie wolno zaci\u0105ga\u0107 nowych zobowi\u0105za\u0144 finansowych; s\u0142u\u017cy to temu, aby nie utraci\u0107 w mi\u0119dzyczasie w\u0142asnej kontroli finansowej, a dotyczy to: kart kredytowych, po\u017cyczek kr\u00f3tkoterminowych, \u015brednioterminowych i d\u0142ugoterminowych oraz kredytu na rachunku bie\u017c\u0105cym, tzw. overdrafts; Tw\u00f3j Trust Deed nie wp\u0142ywa negatywnie na wynajem mieszkania ani jego zmian\u0119, nie wp\u0142ywa r\u00f3wnie\u017c negatywnie na ewentualne przed\u0142u\u017cenie wsp\u00f3\u0142pracy z naszym dostawc\u0105 sieci kom\u00f3rkowej<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">po wszystkim b\u0119dziesz na nowo zdobywa\u0142 wiarygodno\u015b\u0107 kredytow\u0105<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u017celi zaprzestaniesz p\u0142aci\u0107 ustalon\u0105 przez dostawc\u0119 PROTECTED TRUST DEED minimaln\u0105 rat\u0119, tym samym zrywasz umow\u0119 a Twoje d\u0142ugi wracaj\u0105 do pierwotnej postaci wraz z odsetkami; wierzyciele mog\u0105 w\u00f3wczas zarz\u0105da\u0107 Twojego bankructwa<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">zabezpieczonych po\u017cyczek i kredyt\u00f3w (np: pod zastaw samochodu) nie mo\u017cna w\u0142\u0105czy\u0107 do programu, ich raty nadal pozostaj\u0105 pod Twoj\u0105 opiek\u0105; natomiast s\u0105 to raty brane pod uwag\u0119 i wp\u0142ywaja na pomniejszenie raty ustanowionej przez dostawc\u0119 PTD w ramach pozosta\u0142ych d\u0142ug\u00f3w<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">kary s\u0105dowe, alimenty i mandaty r\u00f3wnie\u017c nie s\u0105 brane pod uwag\u0119<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">na Twoim rachunku bankowym nie mog\u0105 wyst\u0119powa\u0107 wydatki za gry losowe (hazard)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">posiadacze overdrafts, zawieraj\u0105c umow\u0119 PTD proszeni s\u0105 o otworzenie nowego konta osobistego, gdy\u017c konto obci\u0105\u017cone kredytem w rachunku bie\u017c\u0105cym zostaje zamnkni\u0119te (zachowuj\u0105c bie\u017c\u0105ce dochody).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3844df79 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3844df79\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-89d6b71\" data-id=\"89d6b71\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-194fcfb4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"194fcfb4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3216611\" data-id=\"3216611\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b4b8490 elementor-widget elementor-widget-image\" data-id=\"7b4b8490\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"121\" height=\"142\" src=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/pomysl.jpg\" class=\"attachment-large size-large\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5772c66b\" data-id=\"5772c66b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-413e3312 elementor-widget elementor-widget-text-editor\" data-id=\"413e3312\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Bior\u0105c pod uwag\u0119, \u017ce ka\u017cda sytuacja jest sytuacj\u0105 indywidualn\u0105, a powy\u017csze dane nie stanowi\u0105 zasad prawnych &#8211; to naszym celem jest wyja\u015bni\u0107\u00a0Tobie,\u00a0i\u017c skutki te w logiczny spos\u00f3b wynikaj\u0105 z praktycznego zastosowania program\u00f3w odd\u0142u\u017ceniowych.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-75c4f0cf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"75c4f0cf\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f96db08\" data-id=\"3f96db08\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a757b2d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a757b2d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b0128ae\" data-id=\"3b0128ae\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2821f81a elementor-widget elementor-widget-text-editor\" data-id=\"2821f81a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Chcesz pozby\u0107 si\u0119 d\u0142ug\u00f3w? Rozpocznij proces oddlu\u017cania ju\u017c teraz wype\u0142niaj\u0105c aplikacj\u0119 zg\u0142oszeniow\u0105. <\/strong><\/p><p><strong>Je\u015bli masz pytania, b\u0105d\u017a w\u0105tpliwo\u015bci &#8211; zadzwo\u0144 do nas pod nr \u00a0<span style=\"text-decoration: underline;\"><a href=\"tel:07591203639\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #000000; text-decoration: underline;\">07 591 203 639<\/span><\/a><\/span><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-323f6ab elementor-align-center elementor-widget elementor-widget-button\" data-id=\"323f6ab\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/old.oddluzanieuk.com\/index.php\/aplikuj\/\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">WYPE\u0141NIJ APLIKACJ\u0118<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ea854ed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ea854ed\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ce1b04d\" data-id=\"ce1b04d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3ddb663 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ddb663\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4b61057\" data-id=\"4b61057\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ff0dcc1 elementor-widget elementor-widget-text-editor\" data-id=\"ff0dcc1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>W przeciwie\u0144stwie do bankructwa, Tw\u00f3j PTD nie jest publikowany w prasie, a ponadto w przeciwie\u0144stwie do bankructwa, kod PAYE pozostaje niezmieniony podczas PTD, co minimalizuje prawdopodobie\u0144stwo, \u017ce Twoi pracodawcy s\u0105 \u015bwiadomi Twojej sytuacji finansowej.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2935df62 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2935df62\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eb2da19\" data-id=\"eb2da19\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d31bb4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d31bb4c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4cfbb967\" data-id=\"4cfbb967\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4687c6ad elementor-widget elementor-widget-text-editor\" data-id=\"4687c6ad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><strong>Warunki wst\u0119pne\u00a0Protected Trust Deed (PDT):<\/strong><\/h2><p><strong>Totalny d\u0142ug nie mo\u017ce by\u0107 mniejszy ni\u017c:<\/strong><br \/>Na 1 osob\u0119 &#8211; \u00a36000 lub wi\u0119cej.<\/p><p>Je\u017celi jest partner lub ma\u0142\u017conek kt\u00f3ry ma d\u0142ugi.<br \/>Jego d\u0142ug totalny te\u017c nie mo\u017ce by\u0107 mniejszy ni\u017c \u00a36000 ten aby m\u00f3g\u0142 przyst\u0105pi\u0107 do programu.<\/p><p>Uwaga! Program obejmuje d\u0142ugi sp\u0142acane i nie sp\u0142acane terminowo.<\/p><p>Osoba staraj\u0105ca si\u0119 aplikowa\u0107 do programu PTD powinna wytwarza\u0107 doch\u00f3d sta\u0142y najlepiej z tytu\u0142u:<br \/>Umowy o prac\u0119 (kontrakt).<br \/>Umowa zlecenie (agencyjna) co najmniej 6 mies. ciag\u0142o\u015b\u0107.<br \/>Dochodowe samozatrudnienie \u2013 self- employed.<br \/>Dochody dyrektorskie b\u0119d\u0105 rozstrzygane indywidualnie.<br \/>\u015awiadczenia socjalne nie mog\u0105 stanowi\u0107 jedynej podstawy dochodu!<\/p><p><strong>Centrum interes\u00f3w \u017cyciowych (COMI) musi znajdowa\u0107 si\u0119 na terenie Szkocji tj.:<\/strong><br \/>Op\u0142acane rachunki.<br \/>Praca na terenie UK.<br \/>Posiadanie konta bankowego.<br \/>P\u0142acone podatki na terenie Szkocji.<br \/>Nale\u017cy mieszka\u0107 na terenie Wielkiej Brytanii co najmniej p\u00f3\u0142 roku.<\/p><p>Je\u017celi mieszkasz na terenie Anglii, Walii lub Irlandii P\u0142n. Prosimy zapoznaj si\u0119 z innym rozwi\u0105zaniem &#8211;\u00a0<a href=\"https:\/\/old.oddluzanieuk.com\/index.php\/iva-anglia-walia-irlandia-pln\/\">Individual Voluntary Arrangement (IVA)<\/a>.<\/p><h2><strong>Jakie rodzaje zad\u0142u\u017cenia mo\u017cna w\u0142\u0105czy\u0107 w PDT?<\/strong><\/h2><p>OVERDRAFTS.<br \/>LINIE ZAKUPOWE.<br \/>PO\u017bYCZKI D\u0141UGOTERMINOWE.<br \/>PO\u017bYCZKI \u015aREDNIOTERMINOWE.<br \/>PO\u017bYCZKI KR\u00d3TKOTERMINOWE.<br \/>KARTY KREDYTOWE\/SKLEPOWE.<br \/>D\u0141UGI WOBEC HMRC \u2013 NADP\u0141ACONE BENEFITY.<br \/>PODATEK VAT (JE\u017bELI D\u0141UG NIE PRZEKRACZA 25% TOTALNEGO D\u0141UGU)<br \/>NIEOP\u0141ACONE RACHUNKI ZA TELEFON LUB INTERNET.<br \/>KARY ROZ\u0141\u0104CZENIOWE\/ TELEFON LUB INTERNET \u2013 zerwanie umowy.<br \/>D\u0141UG ZA COUNCIL TAX \u2013 je\u017celi dany Council przyst\u0119puje do PTD.<br \/>D\u0141UG ZA RENT &#8211; WOBEC COUNCILS LUB SP\u00d3\u0141DZIELNI &#8211; je\u017celi dany Council przyst\u0119puje do PTD.<br \/>PO\u017bYCZKI W KT\u00d3RYCH STANOWISZ ZABEZPIECZYCIELA\/\u017bYRANTA.<br \/>D\u0141UG ZA WOD\u0118.<br \/>D\u0141UG ZA PR\u0104D\/GAZ \u2013 je\u017celi ju\u017c nie korzystasz z danego dostawcy.<br \/>MORTGAGE \u2013 je\u017celi dosz\u0142o do sprzeda\u017cy nieruchomo\u015bci i pozosta\u0142 d\u0142ug.<br \/>CAR LOAN\/LEASING \u2013 je\u017celi dosz\u0142o do sprzeda\u017cy pojazdu lub kiedy pojazd przesta\u0142 istnie\u0107 a pozosta\u0142 d\u0142ug. Auto kt\u00f3re jest w kredycie i jednocze\u015bnie jest u\u017cytkowane pozostaje nadal kosztem sta\u0142ym a PTD mo\u017ce obj\u0105\u0107 inne d\u0142ugi.<br \/>D\u0141UG ZA CAR INSURANCE \u2013 je\u017celi nie dosz\u0142o do wyp\u0142aty odszkodowania.<br \/>CZESNE, ADWOKAT, DENTYSTA, KLINIKA MEDYCZNA \u2013 je\u017celi us\u0142uga przesta\u0142a by\u0107 kontynuowana.<br \/>LOAN TO START BUSINESS \u2013 pod warunkiem \u017ce biznes nie jest aktywny.<br \/>D\u0141UGI BANKOWE Z DZIA\u0141ALNO\u015aCI (Self-employed).<br \/>D\u0141UGI ZA CZYNSZ, TELEFONY Z DZIA\u0141ALNO\u015aCI (Self-employed) \u2013 tylko je\u017celi biznes jest nieaktywny.<\/p><h2><strong>Jakich rodzaj\u00f3w d\u0142ug\u00f3w PTD nie mo\u017ce obj\u0105\u0107?<\/strong><\/h2><p>KARY S\u0104DOWE I MANDATY &#8211; KREDYTY STUDENCKIE I ZALEG\u0141E ALIMENTY (Child Support Agency).<br \/>D\u0141UGI ZA CZYNSZ, TELEFONY itp. Z DZIA\u0141ALNO\u015aCI (Self-employed) \u2013 tylko je\u017celi biznes jest aktywny.<br \/>D\u0141UGI WYNIK\u0141E Z ROZLICZE\u0143 POMA\u0141\u017bE\u0143SKICH\/D\u0141UGI S\u0104SIEDZKIE I PRZYJACIELSKIE.<br \/>D\u0141UG ZA RENT \u2013 wobec osoby prywatnej (landlord).<br \/>D\u0141UGI POWSTA\u0141E NA TERENIE POLSKI.<br \/>PO\u017bYCZKI TYPU HIRE PURCHASE.<br \/>ZAD\u0141U\u017bENIA SP\u00d3\u0141KI LTD.<br \/>TV Licence.<br \/>MANDATY.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7bd26ef8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7bd26ef8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div 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data-block-id=\"block-413cf865-cc7b-40e0-a109-1c7337a49001\">2020 \u00a9 UK Debtbusters PL LTD is registered in Scotland No.SC704540\u00a0Registered Office: 2\/1, 214 Castlemilk Drive, Glasgow G45 9JS. Data Protection Act 1998 registration number:\u00a0ZB144962. UK Debtbusters PL LTD works in association with Licensed Insolvency Practitioners authorized and regulated by the Insolvency Practitioners Association to provide information and advice on Individual Voluntary Arrangements and Protected Trust Deeds. For the avoidance of doubt, UK Debtbusters PL LTD does not provide any debt advice. UK Debtbusters PL LTD services are profit-seeking. You can find out more about dealing with your creditors in a guide produced by the Insolvency Service: In Debt \u2013 Dealing with your creditors. You can also find alternative free-to-consumer debt advice organizations as recommended by the Money Advice Service. The Money Advice Service is an impartial service set up by the Government. For free debt counseling, debt adjustment, and credit information services, visit\u00a0www.moneyadviceservice.org.uk. UK Debtbusters PL LTD offers free insolvency information, this information will be based on the detailed information you provide to our debt specialist 2\/1 214 Castlemilk Drive, Glasgow, G45 9JS.<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Protected Trust Deed \u2013 dla Polak\u00f3w mieszkaj\u0105cych&nbsp;w Szkocji PTD (umowa powiernicza) Chroniony akt zaufania jest to formalna procedura upad\u0142o\u015bciowa \u201cThe Protected Trust Deeds (Scotland) Regulations 2013\u201d Umowa ta jest prawnie wi\u0105rz\u0105ca. Zawiera si\u0119 j\u0105 mi\u0119dzy osob\u0105 fizyczn\u0105 a licensed insolvency practitioner* (IP kt\u00f3ry dzia\u0142a jako Powiernik\/Trustee). Umowa ta jest korzystna dla wszystkich niezabezpieczonych wierzycieli.To rozwi\u0105zanie [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-104","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages\/104","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/comments?post=104"}],"version-history":[{"count":100,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages\/104\/revisions"}],"predecessor-version":[{"id":1534,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages\/104\/revisions\/1534"}],"wp:attachment":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/media?parent=104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}