<% IF Request("SVA") > "" Or Request("AdID") > "" Then Session("va") = Request("SVA") Session("AddID") = Request("AdID") End If If Session("Site_Version") = "" Then 'goes in less_than_3 on application. Session("Site_Version") = "MD_V1" End if '******************************************************************************************************************************** 'Work out what pagename we are on (ie store last part of url minus the '.whatever'); and store correct ../'s '******************************************************************************************************************************** Dim page_Name, Suba, pathArray Suba = "" 'below you will see what this is used for. page_Name = Request.ServerVariables("PATH_INFO") 'full path from root folder. pathArray = split(page_Name, "/", -1) 'store every piece between each '/' page_Name = pathArray(UBound(pathArray)) 'this should be PAGENAME.whatever. page_Name = Left(page_Name, instr(page_Name, ".")-1) 'should give everything to left of the '.' Page_Namea = Replace(Page_Name,"_"," ") Page_Namea = Replace(Page_Namea,".asp","") STAGEA = Right(Page_Namea,1) 'now count through pathArray. If there are other sections than UBound we are in a subfolder and Suba must be changed. Dim i For i=1 to UBound(pathArray)-2 'I'm not sure why 2 exactly but it gives the right result. Suba = Suba&"../" 'this should lead back to the root directory now. Next 'now all relative links to top level can look like =SubaFILENAME.WHATEVER '******************************************************************************************************************************** KWa = Request.Querystring("KW") qaa = Request.Querystring("qa") If KWa > "" Then qa = KWa ElseIf qaa > "" Then qa = qaa End If '************************************************* 'If this is a dynamic page If qa = "" Then urla = Request.ServerVariables("QUERY_STRING") urla = replace(urla,"404;","") urla = replace(urla,"beechfinance.co.uk","") urla = replace(urla,"beechfinance.com","") urla = replace(urla,"www.","") urla = replace(urla,"http://","") urla = replace(urla,"https://","") urla = replace(urla,"_"," ") urla = replace(urla,"+"," ") urla = replace(urla,":80","") urla = replace(urla,".html","") urla = replace(urla,".htm","") urla = replace(urla,".asp","") If instr(urla,"/") then PathArray=Split(urla,"/",-1,1) Page_Name = PathArray(Ubound(PathArray)) urla = replace(urla,"/"," ") qa = urla Else urla = replace(urla,"/"," ") qa = urla End IF End IF '************************************************* Titla = UCase(qa) IF Titla = "" Then Titla = "Secured Loans, Mortgages, Remortgages" End If domaina = Request.ServerVariables ("HTTP_HOST") Securea = Request.ServerVariables ("HTTPS") If Securea = "on" Then domaina = "https://"&domaina Else domaina = "http://"&domaina End If %> <% If qa = "" Then If Session("App_Type") = "Secured" Then qa = "Secured Loans" End If If Session("App_Type") = "Mortgage" Then qa = "Mortgages" End If If Session("App_Type") = "Remortgage" Then qa = "Remortgages" End If If Session("App_Type") = "Tenant" Then qa = "Tenants" End If End If If qa < " " Then qa = "Finance" End If Set conn = Server.CreateObject("ADODB.Connection") conn.open "beechdsn","beech","Wh055gP" Set Rs = Server.CreateObject("ADODB.Recordset") '******************************************************************************************************** If Session("va") = "" Then If Session("AddID")="" Then Session("AddID") = Request("AddID") End if dim ipa ipa = LEFT(Request.ServerVariables("REMOTE_ADDR") , 50) Dim pipa pipa = Request.ServerVariables("HTTP_X_FORWARDED_FOR") '********************************************************** 'IPCONVERTER- START '********************************************************** ipaddress = Request.ServerVariables("REMOTE_ADDR") Set ipObj = Server.CreateObject("IP2Location.Country") If ipObj.Initialize("webmaster@beechfinance.co.uk-2007-10-ySyzN6fXCm9C") <> "OK" Then End If CountryName = ipObj.LookUpShortName(ipaddress) CountryNameL = ipObj.LookUpFullName(ipaddress) Set ipObj = nothing '********************************************************** 'IPCONVERTER- END '********************************************************** '********************************************************** 'PROXY-IPCONVERTER- START '********************************************************** pipaddress = Request.ServerVariables("HTTP_X_FORWARDED_FOR") Set ipObj = Server.CreateObject("IP2Location.Country") If ipObj.Initialize("webmaster@beechfinance.co.uk-2007-10-ySyzN6fXCm9C") <> "OK" Then End If pCountryName = ipObj.LookUpShortName(pipaddress) pCountryNameL = ipObj.LookUpFullName(pipaddress) Set ipObj = nothing '********************************************************** 'PROXY-IPCONVERTER- END '********************************************************** dim AddIDA AddIDA = LEFT(Request.QueryString("AddID"), 50) dim referera referera = LEFT(Request.ServerVariables("HTTP_REFERER"), 255) dim scripta scripta = Request.ServerVariables("HTTP_HOST")&Request.ServerVariables("PATH_INFO") Dim KWa KWa = Request.QueryString("KW") If KWa = "" Then KWa = Request.QueryString("keyword") End If Session("Affiliate") = "False" If AddIDA > "" Then If Request("WF") = "True" Then Rs.Open "SELECT * FROM Campaign_Info_thompson where AddID = "&AddIDA&"", Conn, 1,1 Else Rs.Open "SELECT * FROM Campaign_Info where AddID = "&AddIDA&"", Conn, 1,1 End If Dim theDate,iDay,iMonth,iYear,newDate,newDateArr theDate="" theDate=Date() newDateArr=Split(theDate,"/") iDay=newDateArr(0) iMonth=newDateArr(1) iYear=newDateArr(2) newDate=iMonth & "/" &iDay & "/" & iYear If Rs.BOF Or Rs.EOF Then Session("key-lock") = "Unlocked" Else Session("key-lock") = Rs("Fee") sitea = Rs("site") worda = Rs("word") If Rs("Description") = "Affiliate" Then Session("Affiliate") = "True" End If If KWa > "" Then bannera = KWa ElseIF Request.QueryString("keyword") > "" Then bannera = Request.QueryString("keyword") ElseIf Rs("banner") > "" Then bannera = Rs("banner") End If pagea = Rs("URL") End If Rs.Close End If If bannera = "" Then bannera = "Not_Tracked" End If If sitea = "" Then sitea = "Not_Tracked" End If strSQL = "Set Nocount on " strSQL = strSQL + " Insert Campaign_logging (lastpage,site,Tracker_ID,word,script,referer,remote_addr,http_x_forwarded_for,language,screen,whatcookie,banner,prev_site,prev_word,prev_Banner,prev_ip,prev_app,prev_referer,prev_aff,prev_script,affiliate,time,country_short,country_long,proxy_country_short,proxy_country_long,prev_country_short,prev_country_long,prev_proxy_country_short,prev_proxy_country_long,company,prev_time) VALUES ('Home','"&sitea&"','"&AddIDA&"','"&worda&"','"&scripta&"','"&referera&"','"&ipa&"','"&pipa&"','"&Request.ServerVariables("HTTP_ACCEPT_LANGUAGE")&"','"&pagea&"','"&Request.Cookies("previous")&"','"&bannera&"','"&LEFT(Request.Cookies("site"),50)&"','"&LEFT(Request.Cookies("word"),50)&"','"&LEFT(Request.Cookies("banner"),50)&"','"&LEFT(Request.Cookies("ip"),20)&"','"&LEFT(Request.Cookies("application"),20)&"','"&LEFT(Request.Cookies("referer"),255)&"','"&LEFT(Request.Cookies("affiliate"),20)&"','"&LEFT(Request.Cookies("script"),255)&"','"&adida&"','"&newDate&"','"&CountryName&"','"&CountryNameL&"','"&pCountryName&"','"&pCountryNameL&"','"&Request.Cookies("country_short")&"','"&Request.Cookies("country_long")&"','"&Request.Cookies("pcountry_short")&"','"&Request.Cookies("pcountry_long")&"','D','"&LEFT(Request.Cookies("time"),255)&"') " strSQL = strSQL + " select IdentityInsert=@@identity" strSQL = strSQL + " set nocount off" Set objRS = Conn.Execute(strSQL) va = objRS("IdentityInsert") Session("va")=va If sitea = "" Then sitea = "NA" End If Session("site")=sitea If worda = "" Then worda = "NA" End If Session("worda")=worda If bannera = "" Then bannera = "NA" End If Session("banner")=bannera Response.Cookies("previous") = visitora Response.Cookies("previous").Expires = now + 365 Response.Cookies("site") = sitea Response.Cookies("site").Expires = now + 365 Response.Cookies("word") = worda Response.Cookies("word").Expires = now + 365 Response.Cookies("Banner") = bannera Response.Cookies("Banner").Expires = now + 365 Response.Cookies("ip") = ipa Response.Cookies("ip").Expires = now + 365 Response.Cookies("referer") = referera Response.Cookies("referer").Expires = now + 365 Response.Cookies("script") = scripta Response.Cookies("script").Expires = now + 365 Response.Cookies("country_short") = CountryName Response.Cookies("country_short").Expires = now + 365 Response.Cookies("country_long") = CountryNameL Response.Cookies("country_long").Expires = now + 365 Response.Cookies("pcountry_short") = pCountryName Response.Cookies("pcountry_short").Expires = now + 365 Response.Cookies("pcountry_long") = pCountryNameL Response.Cookies("pcountry_long").Expires = now + 365 Response.Cookies("Time") = Now() Response.Cookies("Time").Expires = now + 365 End If If session("va") > "" Then Rs.Open "SELECT ID, Site, Lastpage, Domain_Name, affiliate, mother FROM Campaign_logging Where ID = "&session("va")&"", Conn, 1,3 if Rs.bof or Rs.eof then sitea = "Unknown" else sitea = Rs("site") Rs("lastpage") = "Home-Revisited" If Request("Site") > "" Then Rs("Domain_Name") = Request("Site") End If If Request("Aff") > "" Then Rs("affiliate") = Request("aff") End If If Request("M") > "" Then Rs("mother") = Request("M") End If Rs.Update end if Rs.Close End If '******************************************************************************************************** Rs.Open "SELECT source, NTS FROM DDI Where source = '"&Session("site")&"'", Conn, 1,1 If Rs.BOF Or Rs.EOF Then Numbera = "0800 634 5370" Else Numbera = Rs("NTS") End If Rs.Close Session("qa") = qa Session("Numbera") = Numbera Session("domaina_img") = domaina_img Session("domaina") = domaina If (Request.Querystring("N") = "C" And Session("va") > "" And Session("IDA") > "" And Session("ID2") > "" And Session("REF2") > "") Then Rs.Open "SELECT ID, type_other FROM Loan_Enquiry_Sheet Where ID = '"&Session("IDA")&"'", Conn, 1,3 Oldapptypea = Rs("type_other") Rs("type_other") = Session("App_Type") Rs.Update Rs.Close End If dim txt,pos txt=Request.ServerVariables("PATH_INFO") pos=InStr(1,txt,"Application_Form",1) URLStringa = pos dim pos1 pos1=InStr(1,Session("App_Type"),"mortgage",1) IDDa = pos1 %> <% '*************************************************************************************** '* CreateDropdown - populates a select tag '* '* NB select tag is put in page manually, need to set multiple attribute if needed. '* '* Parameters: '* list: list of options to use, format as string - value1#:text1#_value2#:text2... '* selopt: option(s) to set as selected (multiple list in form 'v1, v2, v3' [with spaces]) '* ps: adds a default/initial option (as in Please Select) (list in form 'value, text' [with space]) '* (ps of "##NOPLEASESELECT##" means no "Please Select" is added) '* '* Examples: (list = "1#:One#_2#:Two#_3#:Three#_4#:Four") '* '* 1) In page use: '* '* get: '* '* '* '* '* 2) In page use: '* '* get: '* '* '* '* '* '* Author: James Hunter. Created: 02/03/07. Modified: 15/03/07 '* Last Modified: Definable value/text pair for 'default' option (ps variable) '* Version: 1.0 '*************************************************************************************** Sub CreateDropdown(list, selopt, ps) Dim arrOptions, arrVT, arrSelected, opt, st arrSelected = Split(selopt, ", ") 'deal with multiple-enabled select boxes If ps <> "##NOPLEASESELECT##" Then arrVT = Split(ps, ", ") st = "" 'selected text For Each chksel In arrSelected 'check Please Select value against every selected option If arrVT(0) = chksel Then st = " selected=""selected""" End if Next 'chksel Response.Write("" & VbCrLf) End if arrOptions = Split(list, "#_") For Each opt In arrOptions arrVT = Split(opt, "#:") '(0)=value of option, (1)=text seen in list st = "" 'selected text For Each chksel In arrSelected 'compare each option value to each selected option If arrVT(0) = chksel Then 'add selected string to this option st = " selected=""selected""" End if Next 'chksel Response.Write("" & VbCrLf) Next 'opt End Sub '*************************************************************************************** '* End CreateDropdown '*************************************************************************************** '*************************************************************************************** '* Set up lists that the various dropdowns use on this page '*************************************************************************************** Dim arrTitle, arrOwed arrTitle = "Mr#:Mr#_Mrs#:Mrs#_Ms#:Ms#_Miss#:Miss#_Dr#:Dr" arrOwed = "0#:None#_2000#:Up to £2000#_5000#:£2000 - £5000#_10000#:£5000 - £10000#_15000#:£10000 - £15000#_20000#:£15000 - £20000#_30000#:£20000 - £30000#_40000#:£30000 - £40000#_50000#:£40000 - £50000#_99999#:More than £50000" '*************************************************************************************** '* End list setup '*************************************************************************************** %>

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IVAs - Another Option

An Individual Voluntary Arrangement is a legal process by which you can gain protection from your unsecured creditors by entering into a legally binding repayment agreement with them, which is then supervised by a licensed insolvency practitioner.

An IVA is suited to indivduals who have a reasonably high level of disposable income but who also have very significant unsecured debt problems usually over £15,000. You are required to meet certain requirements that our specialists will be able to discuss with you.

IVA's which cover all debts which are not secured are supervised by a licensed Insolvency Practitioner "IP". Your IP is responsible for all negotiations with your creditors and for making sure you make your monthly contributions which will be agreed with you at the outset of the IVA.

An IVA usually provides for you to make monthly contributions over a 5-year period, after which any balances remaining on your debts are written off. If you qualify the proposal must be accepted by 75% of your creditors who vote. (If only one creditor votes then you will have 100% acceptance and your IVA is then approved).

If you are a homeowner, you will normally be required to release any equity you have in your property in the 5th year by taking out a mortgage or secured loan and paying this money to your creditors. If you cannot remortgage there are other options such as paying extra contributions or paying into the IVA a lump sum so that you can exclude your property. This and any other conditions will be made clear to you.

Once your creditors have agreed an IVA, all interest and charges on your unsecured debts will be frozen and all creditors bound by the IVA are prevented from taking any further action against you.

Your supervisor in the IVA is required to review your financial situation every year and, as a result, you may be required to increase your monthly contributions into the IVA.

If you live in Scotland, different rules apply:

A Protected Trust Deed is a legal process available to solve your debt problems in Scotland, so that you can gain protection from your creditors in much the same way as with an Individual Voluntary Arrangement in the rest of the UK.

In the procedure of solving these debt problems, as described above for the UK, after an agreement, your creditors will accept a reduced amount in full and final settlement of your debts with them.

Payments are normally made over a 3-year period, after which the balances on your unsecured debts are written off.

On agreement, all interest and charges on your debts are frozen.

Your protected trust deed is supervised by a licensed insolvency practitioner, who is responsible for all negotiations with your creditors and who is also responsible for ensuring that you keep to the terms of the Trust Deed.

More Rules and Information on IVA's

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