<% 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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More info and rules about IVAs

An IVA is not the same as a Debt Management Program which is less informal. An IVA is arranged to help you pay off your debts in a way that is affordable to you.

INDIVIDUAL VOLUNTARY ARRANGEMENTS

An IVA is based around one monthly payment over a period of 60 months. You will be closely involved in calculating the monthly repayment, as you will be asked to make known all of your assets, liabilities, income and your cost of living. This information will ensure that you will not get into even more debt, as the amount payable to creditors is determined by the amount you can afford to pay after your normal cost of living has been deducted.

An IVA proposal has to be prepared by a licensed Insolvency Practitioner (IP). As the debtor you will be sent a copy of the proposed agreement for you to approve. Should you disagree at this point with anything in the proposal you should negotiate any alterations. The IP will then present it to the creditors. Once the proposal is approved the debtor will take it to their local county court to have it registered. A copy of the proposal is sent to each creditor giving notice of any creditors meeting that may be required. Creditors then meet to vote to accept or reject the proposal, they may wish to add their own modifications but can only do so with the debtors consent, this is called a Creditor Meeting. In the case of a consumer IVA creditors usually prefer to vote by fax or post rather than attend any meeting. The debtor will usually be asked to make sure they can be contacted by phone on the day of voting in case you need to answer any questions.

The rules of an IVA state that providing 75% (in value terms) of those that have voted, vote to accept the proposals (with or without modifications) then the IVA becomes legally binding on all other parties whether they voted or not.

When an IVA is accepted the IP monitors the IVA's progress and ensures that the terms and conditions that were agreed to are properly adhered to. It is the debtors responsibility to pay the agreed payments to the IP who will then ensure that these payments are distributed to all creditors on a pro-rata basis. It is in the debtors own interest to maintain their payments as failure to pay will almost certainly result in the failure of the IVA. If a debtor finds at any stage they have difficulty paying they should contact their IP who may be able to re-negotiate with creditors.

Once the IVA has been completed in some cases the debtor may not have actually paid off all of their debts, but the outstanding balances are written off. The debtor is considered free and can make a fresh financial start.
If you have an endowment policy linked to your mortgage, then you may have to cash it in to use the proceeds to pay your creditors. The same is likely with any equity you may have in your home, the fact that you have entered into an IVA with creditors means that such drastic measures may be expected of you by your creditors to pay your debts.

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