{"id":124,"date":"2021-03-01T15:36:25","date_gmt":"2021-03-01T14:36:25","guid":{"rendered":"https:\/\/old.oddluzanieuk.com\/?page_id=124"},"modified":"2022-10-13T10:12:45","modified_gmt":"2022-10-13T09:12:45","slug":"dmp-anglia-walia-irlandia-pln","status":"publish","type":"page","link":"https:\/\/old.oddluzanieuk.com\/index.php\/dmp-anglia-walia-irlandia-pln\/","title":{"rendered":"DMP &#8211; Anglia, Walia, Irlandia P\u0142n"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"124\" class=\"elementor elementor-124\" 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-5970a219 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5970a219\" 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-4591fd6d\" data-id=\"4591fd6d\" 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-182fd63 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"182fd63\" 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-5a957d55\" data-id=\"5a957d55\" 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-229d9ca elementor-widget elementor-widget-image\" data-id=\"229d9ca\" 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-79216b94\" data-id=\"79216b94\" 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-206fc78 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"206fc78\" 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-bb1129c\" data-id=\"bb1129c\" 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-981a9c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"981a9c0\" 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-c511e1c\" data-id=\"c511e1c\" 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-7c2c177 elementor-widget elementor-widget-text-editor\" data-id=\"7c2c177\" 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>Debt Management Plan (DMP)<\/strong><\/h2>\n<p>Nowy &#8211; Plan Sp\u0142aty Zad\u0142u\u017ce\u0144. Og\u00f3lno przyj\u0119te, honorowane i ustanowione przez FCA (Financial Conduct Authority)* rozwi\u0105zanie kt\u00f3re dzi\u0119ki redukcji koszt\u00f3w miesi\u0119czych za d\u0142ugi doprowadza do sp\u0142acenia ich w przyst\u0119pnej formie. Dzi\u0119ki DMP twoje odsetki mog\u0105 by\u0107 na sta\u0142e zamro\u017cone. FCA opracowa\u0142 protok\u00f3\u0142 planu zarz\u0105dzania d\u0142ugiem czyli Debt Management Plan <a href=\"https:\/\/www.handbook.fca.org.uk\/handbook\/CONC\/8\/?view=chapter\">(CONC 8 &#8211; FCA Handbook)<\/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-d47685d elementor-widget elementor-widget-text-editor\" data-id=\"d47685d\" 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><span style=\"font-family: Arial;\"><b><span style=\"color: #666666;\">*\u00a0<\/span><\/b><\/span>FCA (Financial Conduct Authority)\u00a0<span style=\"font-family: Arial;\"><b><span style=\"color: #666666;\">&#8211; Nadrz\u0119dna w\u0142adza do spraw finansowych w UK.\u00a0<\/span><\/b><\/span><span style=\"color: #111111;\">W Wielkiej Brytanii Financial Conduct Authority jest odpowiedzialna za regulacj\u0119 kredyt\u00f3w konsumenckich.<\/span><\/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-2921f7b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2921f7b6\" 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-385ad8fa\" data-id=\"385ad8fa\" 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-64d19e54 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64d19e54\" 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-4d2e0ec7\" data-id=\"4d2e0ec7\" 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-660f2f2e elementor-widget elementor-widget-text-editor\" data-id=\"660f2f2e\" 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-6c4f588b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6c4f588b\" 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 DMP mo\u017ce zosta\u0107 zawarty ju\u017c od \u0142\u0105cznej kwoty Twoich d\u0142ug\u00f3w \u00a31500-\u00a32000<\/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\">jedn\u0105 z najwa\u017cniejszych korzy\u015bci, kt\u00f3r\u0105 doceniaj\u0105 klienci jest fakt, \u017ce Tw\u00f3j osobisty doradca komunikuje si\u0119 z Twoimi wierzycielami a nie Ty; obejmuje to obs\u0142ug\u0119 kontaktu telefonicznego i zarz\u0105dzanie korespondencj\u0105 w odpowiedni spos\u00f3b, a wszystkie te starania maj\u0105 r\u00f3wnie\u017c na celu zmniejszenie Twojego stresu zwi\u0105zanego ze spraw\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 uda si\u0119 wynegocjowa\u0107 to, \u017ce Twoi wierzyciele zamro\u017c\u0105 prowizje i odsetki pracuj\u0105ce na Twoim zad\u0142u\u017ceniu - to z pewno\u015bci\u0105 wp\u0142ynie na skr\u00f3cenie czasu, w kt\u00f3rym sp\u0142acisz d\u0142ugi<\/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\u015bli na co dzie\u0144 zmagasz si\u0119 z drogimi formami p\u0142atno\u015bci, kt\u00f3re przerastaj\u0105 Twoje mo\u017cliwo\u015bci, DMP pozwoli Ci sp\u0142aca\u0107 je w przyst\u0119pnej dla Ciebie cenie dostosowanej do Twojego bud\u017cetu 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\">DMP jest elastycznym planem - mo\u017cesz go rozwi\u0105za\u0107 w dowolnym momencie<\/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 tego, \u017ce DMP jest rozwi\u0105zaniem nie maj\u0105cym oficjalnego charakteru, mo\u017ce to by\u0107 idealne rozwi\u0105zanie, dzi\u0119ki kt\u00f3remu pozb\u0119dziesz si\u0119 d\u0142ug\u00f3w w ci\u0105gu maksymalnie 10 lat; w przypadku, gdy Twoje d\u0142ugi s\u0105 na tyle wysokie, \u017ce mog\u0142oby to potrwa\u0107 nawet d\u0142u\u017cej - DMP jest odradzane, chyba \u017ce mo\u017cna przewidzie\u0107 dodatkowe okoliczno\u015bci, kt\u00f3re pozwol\u0105 jednak na ustanowienie DMP na okres minimum 10 lat np. dzi\u0119ki ust\u0119pstwom ze strony Twoich wierzycieli<\/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\">liczymy na to, \u017ce w wyniku dzia\u0142a\u0144 Licensed Insolvency Practitioner wierzyciele zatrzymaj\u0105 dalsze egzekwowanie Twojego d\u0142ugu w formie, kt\u00f3ra dotychczas utrudnia\u0142a Tobie \u017cycie i odbiera\u0142a kontrole nad w\u0142asnymi pieni\u0119dzmi.<\/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-164ac7f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"164ac7f5\" 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-1dc2a552\" data-id=\"1dc2a552\" 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-92d1643 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"92d1643\" 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-61144b71\" data-id=\"61144b71\" 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-77293a69 elementor-widget elementor-widget-text-editor\" data-id=\"77293a69\" 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-13f1a183 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"13f1a183\" 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\">DMP jest rozwi\u0105zaniem nie maj\u0105cym oficjalnego charakteru jako plan sp\u0142aty zad\u0142u\u017cenia; Twoi wierzyciele nie s\u0105 zmuszeni do zamro\u017cenia odsetek i op\u0142at tak, jak to si\u0119 dzieje przy IVA i istnieje szansa, \u017ce niekt\u00f3rzy wierzyciele mog\u0105 zgodzi\u0107 si\u0119 na obni\u017cenie oprocentowania lub zamro\u017cenie odsetek<\/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\">d\u0142u\u017cszy okres trwania takiego programu mo\u017ce skutkowa\u0107 tym, \u017ce Tw\u00f3j DMP potrwa d\u0142u\u017cej i b\u0119dzie kosztowa\u0142 Ci\u0119 wi\u0119cej; w tym momencie je\u017celi to tylko mo\u017cliwe - zostanie Tobie zaproponowane inne rozwi\u0105zanie<\/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 staranie si\u0119 o DMP w kilku firmach wprowadzi chaos i utrudni starania analityka, aby m\u00f3g\u0142 osi\u0105gn\u0105\u0107 dla Ciebie jak najlepsze warunki<\/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 zwi\u0105zku z tym, \u017ce DMP jest rozwi\u0105zaniem nie maj\u0105cym oficjalnego charakteru istniej\u0105 pewnego rodzaju d\u0142ugi (takie jak zaleg\u0142y council tax, nadp\u0142acone benefity itd.,), kt\u00f3re nie mog\u0105 zosta\u0107 uwzgl\u0119dnione w DMP, poniewa\u017c istnieje ryzyko, \u017ce Tw\u00f3j maj\u0105tek b\u0119dzie wtedy zagro\u017cony od strony wierzycieli; jednak takie rozwi\u0105zania jak IVA, kt\u00f3re mog\u0105 zosta\u0107 Tobie zaproponowane, w niekt\u00f3rych przypadkach obejmuj\u0105 zaleg\u0142e rachunki priorytetowe (takie jak zaleg\u0142y council tax, nadp\u0142acone benefity itd.,)<\/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\">DMP mo\u017ce mie\u0107 negatywny wp\u0142yw na Twoj\u0105 zdolno\u015b\u0107 kredytow\u0105, tzn. ka\u017cda z\u0142a opinia dotycz\u0105ca niesp\u0142acanych d\u0142ug\u00f3w wydana przez Twoich wierzycieli widnieje w Twojej historii kredytowej w UK 6 lat (mo\u017ce to potrwa\u0107 d\u0142u\u017cej, je\u017celi konflikt finansowy nie zosta\u0142 za\u017cegnany)<\/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\">od czasu do czasu mo\u017cesz otrzymywa\u0107 r\u00f3wnie\u017c niepo\u017c\u0105dane wezwanie od wierzycieli, szczeg\u00f3lnie je\u015bli oni korzystaj\u0105 z firm windykacyjnych; nale\u017cy wtedy grzecznie powiedzie\u0107 im, \u017ce jeste\u015b obj\u0119ty DMP jednocze\u015bnie podaj\u0105c im nazw\u0119 firmy i kontakt do swojego osobistego doradcy DMP, kt\u00f3ry si\u0119 tym niezw\u0142ocznie zajmie<\/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 ma 100% gwarancji na to, \u017ce wierzyciele nie podejm\u0105 czynno\u015bci prawnych wobec Ciebie podczas trwania Twojego DMP; nie ma r\u00f3wnie\u017c takiej, \u017ce zaprzestan\u0105 oni prowadzenia dzia\u0142a\u0144 windykacyjnych - mimo, \u017ce takie dzia\u0142ania mog\u0105 zagrozi\u0107 wydaniem wyroku s\u0105dowego i prowadzi\u0107 potencjalnie do nakazu przekazania Twojej nieruchomo\u015bci lub pojazdu<\/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\u015bli anulujesz DMP wierzyciele mog\u0105 uniewa\u017cni\u0107 uzgodnienia dotycz\u0105ce p\u0142atno\u015bci wobec nich, kt\u00f3re wprowadzi\u0142 DMP i zmieni\u0107 na niekorzystne dla Ciebie.<\/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-1907a434 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1907a434\" 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-12ae3561\" data-id=\"12ae3561\" 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-73e3f33f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73e3f33f\" 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-5fdcdf36\" data-id=\"5fdcdf36\" 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-57c9e3ec elementor-widget elementor-widget-text-editor\" data-id=\"57c9e3ec\" 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 Debt Management Plan (DMP):<\/strong><\/h2><p>Osoba staraj\u0105ca si\u0119 aplikowa\u0107 do programu DMP powinna wytwarza\u0107 doch\u00f3d sta\u0142y<br \/>najlepiej z tytu\u0142u:<\/p><p>Dochody dyrektorskie.<\/p><p>Umowy o prac\u0119 (kontrakt).<\/p><p>Umowa zlecenie (agencyjna).<\/p><p>Dochodowe samozatrudnienie \u2013 self- employed.<\/p><p>\u015awiadczenia socjalne nie mog\u0105 stanowi\u0107 jedynej podstawy dochodu!<\/p><p>Totalny d\u0142ug nie mo\u017ce by\u0107 mniejszy ni\u017c:<\/p><p>Na 1 osob\u0119 &#8211; \u00a31500 &#8211; \u00a32000 lub wi\u0119cej.<\/p><p>DMP jest mo\u017cliwy je\u017celi mamy do czynienia z wi\u0119cej ni\u017c jednym d\u0142ugiem.<\/p><p>Je\u017celi posiadasz wy\u017cszy d\u0142ug ni\u017c \u00a35000 prosimy zapoznaj si\u0119 z innym<br \/>rozwi\u0105zaniem jakim jest\u00a0<a href=\"https:\/\/old.oddluzanieuk.com\/index.php\/iva-anglia-walia-irlandia-pln\/\">Individual Voluntary Arrangement (IVA)<\/a>.<\/p><p>Uwaga! Program obejmuje d\u0142ugi sp\u0142acane i nie sp\u0142acane terminowo.<\/p><p>Centrum interes\u00f3w \u017cyciowych (COMI) musi znajdowa\u0107 si\u0119 na terenie<br \/>Anglii, Walii lub Irlandii P\u0142n.<\/p><p>Op\u0142acane rachunki.<br \/>Praca na terenie UK.<br \/>Posiadanie konta bankowego.<br \/>P\u0142acone podatki na terenie Anglii, Walii lub Irlandii P\u0142n.<br \/>Nale\u017cy mieszka\u0107 na terenie Wielkiej Brytanii co najmniej p\u00f3\u0142 roku.<br \/>D\u0142ugi powsta\u0142e na terenie UK.<\/p><h2><strong>Jakie rodzaje zad\u0142u\u017cenia mo\u017cna w\u0142\u0105czy\u0107 w DMP?<\/strong><\/h2><p>OVERDRAFTS.<\/p><p>LINIE ZAKUPOWE.<\/p><p>POZYCZKI D\u0141UGOTERMINOWE.<\/p><p>PO\u017bYCZKI \u015aREDNIOTERMINOWE.<\/p><p>PO\u017bYCZKI KR\u00d3TKOTERMINOWE.<\/p><p>PO\u017bYCZKI W KT\u00d3RYCH STANOWISZ ZABEZPIECZYCIELA\/\u017bYRANTA<\/p><p>(tylko wtedy je\u017celi sp\u0142ata d\u0142ugu spad\u0142a na ciebie).<\/p><p>NIEOP\u0141ACONE RACHUNKI ZA TELEFON LUB INTERNET.<\/p><p>KARY ROZ\u0141\u0104CZENIOWE\/ TELEFON LUB INTERNET \u2013 zerwanie umowy.<\/p><p>KARTY KREDYTOWE\/SKLEPOWE.<\/p><p>D\u0141UG ZA PR\u0104D\/GAZ\/WOD\u0118 \u2013 je\u017celi ju\u017c nie korzystasz z danego dostawcy.<\/p><p>D\u0141UGI ZA RENT (COUNCIL, SP\u00d3\u0141DZIELNIA).<\/p><p>MORTGAGE \u2013 je\u017celi dosz\u0142o do sprzeda\u017cy nieruchomo\u015bci i pozosta\u0142 d\u0142ug.<\/p><p>D\u0141UG ZA CAR INSURANCE \u2013 je\u017celi nie dosz\u0142o do wyp\u0142aty odszkodowania<\/p><p>CZESNE, ADWOKAT, DENTYSTA, KLINIKA MEDYCZNA \u2013 je\u017celi us\u0142uga przesta\u0142a by\u0107<br \/>kontynuowana<\/p><p>LOAN TO START BUSINESS \u2013 pod warunkiem \u017ce biznes nie jest aktywny<\/p><p>D\u0141UGI Z DZIA\u0141ALNO\u015aCI (Self-employed)<br \/>CAR LOAN\/LEASING \u2013 je\u017celi dosz\u0142o do sprzeda\u017cy pojazdu lub kiedy pojazd<br \/>przesta\u0142 istnie\u0107 z r\u00f3\u017cnych przyczyn a d\u0142ug pozosta\u0142.<\/p><p>Auto kt\u00f3re jest w kredycie i jednocze\u015bnie jest u\u017cytkowane pozostaje nadal waszym kosztem sta\u0142ym.<br \/>A DMP a jednocze\u015bnie mo\u017ce obj\u0105\u0107 inne d\u0142ugi.<\/p><h2><strong>Jakich rodzaj\u00f3w d\u0142ug\u00f3w DMP nie mo\u017ce obj\u0105\u0107?<\/strong><\/h2><p>D\u0141UGI WYNIK\u0141E Z ROZLICZE\u0143 POMA\u0141\u017bE\u0143SKICH\/D\u0141UGI S\u0104SIEDZKO PRZYJACIELSKIE<\/p><p>KARY S\u0104DOWE I MANDATY &#8211; KREDYTY STUDENCKIE I ZALEG\u0141E ALIMENTY (Child Support<br \/>Agency)<br \/>D\u0141UG ZA WOD\u0118\/GAZ\/PR\u0104D &#8211; Je\u017celi nadl korzystamy z danego dostawcy us\u0142ug<\/p><p>HMRC &#8211; PODATEK VAT I PAYE Settlement Agreements<\/p><p>D\u0141UGI WOBEC HMRC \u2013 NADP\u0141ACONE BENEFITY<\/p><p>D\u0141UGI POWSTA\u0141E NA TERENIE POLSKI<\/p><p>PO\u017bYCZKI TYPU HIRE PURCHASE<\/p><p>D\u0141UG ZA COUNCIL TAX<br \/>D\u0141UGI ZA RENT<\/p><p>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-38762652 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"38762652\" 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-6aa4c72\" data-id=\"6aa4c72\" 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-6e937768 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e937768\" 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-6fd6462a\" data-id=\"6fd6462a\" 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-718ee939 elementor-widget elementor-widget-text-editor\" data-id=\"718ee939\" 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.<\/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-3ed07d7b elementor-align-center elementor-widget elementor-widget-button\" data-id=\"3ed07d7b\" 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-91fff57 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"91fff57\" 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-28da982\" data-id=\"28da982\" 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-6ddfaba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ddfaba\" 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-554d1a2\" data-id=\"554d1a2\" 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-49f514d elementor-widget elementor-widget-text-editor\" data-id=\"49f514d\" 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>Istniej\u0105 jeszcze inne rozwi\u0105zania, kt\u00f3re mog\u0105 pom\u00f3c Tobie w walce z d\u0142ugiem: Debt Managment (DMP), Debt Relief Orders (DRO), Bankruptcy oraz dzia\u0142ania bezpo\u015brednie wobec Twoich wierzycieli, kt\u00f3re mog\u0105 okaza\u0107 si\u0119 dla Ciebie odpowiednie.<\/p><p>Je\u017celi mieszkasz w Szkocji, dotycz\u0105 Ci\u0119 inne rozwi\u0105zania regulowane programem Scottish Debt Solutions.\u00a0<a href=\"https:\/\/old.oddluzanieuk.com\/index.php\/trust-deed-szkocja\/\">Zobacz szczeg\u00f3\u0142y<\/a><\/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-46d43411 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46d43411\" 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-32e867eb\" data-id=\"32e867eb\" 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-42e5b447 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42e5b447\" 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-25 elementor-inner-column elementor-element elementor-element-20d46ca4\" data-id=\"20d46ca4\" 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-34ec55a8 elementor-widget elementor-widget-image\" data-id=\"34ec55a8\" 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=\"228\" height=\"126\" src=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/logo1.png\" 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-25 elementor-inner-column elementor-element elementor-element-5858abd2\" data-id=\"5858abd2\" 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-2bd57052 elementor-widget elementor-widget-image\" data-id=\"2bd57052\" 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=\"228\" height=\"126\" 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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>Debt Management Plan (DMP) Nowy &#8211; Plan Sp\u0142aty Zad\u0142u\u017ce\u0144. Og\u00f3lno przyj\u0119te, honorowane i ustanowione przez FCA (Financial Conduct Authority)* rozwi\u0105zanie kt\u00f3re dzi\u0119ki redukcji koszt\u00f3w miesi\u0119czych za d\u0142ugi doprowadza do sp\u0142acenia ich w przyst\u0119pnej formie. Dzi\u0119ki DMP twoje odsetki mog\u0105 by\u0107 na sta\u0142e zamro\u017cone. FCA opracowa\u0142 protok\u00f3\u0142 planu zarz\u0105dzania d\u0142ugiem czyli Debt Management Plan (CONC 8 [&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-124","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages\/124","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=124"}],"version-history":[{"count":43,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages\/124\/revisions"}],"predecessor-version":[{"id":1546,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages\/124\/revisions\/1546"}],"wp:attachment":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/media?parent=124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}