Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Troubled by the lack of moral conscience in the industry, Scott decided to use his insider knowledge to give genuine advice to those struggling financially. He’s recently moved out of London to the rural area of Malvern to pursue this ambition.

Training:
- Anit-Bribery & Corruption
- Anti-Fraud
- Anti-Money Laundering
- Information Security
- Data Protection
- Risk and Control
- Financial Promotion

Email: scott@moneynerd.co.uk.

Website: https://moneynerd.co.uk/.

Posts by Scott Nelson:

Cancel your Existing Debt Management plan – Letter Template

Introduction Do you want to cancel your Debt Management Plan (DMP)? Our letter template is proving an excellent way to let your creditor or debt management company know that you want to cancel your DMP. Download our free letter template and add your account details to make it personal to you. It couldn’t be easier

READ MORE

Write Off the Debt (Second Request) – Letter Template

Introduction If you asked your creditor to write off a debt and they refused, you should use our write off the debt (second request) letter template to ask them to change their mind.  It is common for creditors to refuse to write off the debt at the first attempt because they are commercially motivated. But

READ MORE

Write Off the Debt – Letter Template

Introduction If you want to ask your creditors to write off your debt, use this free letter template to do it properly. Our letter has been written in a polite and professional way to ensure you get the message across clearly, and improve your chances of creditors wiping your debt. All you need to do

READ MORE

Write off After Death – Letter Template

Introduction If someone you know has died with outstanding debts, you can use our free letter template to tell creditors about the death and ask them to write the debt off. It can be a difficult time after the death of a loved one, but we want to make it a little bit easier with

READ MORE

Token Payment or No Offer of Payment – Letter Template

Introduction If you have an agreement to make monthly payments to repay a creditor or company, but your financial situation has changed, use this letter to suspend payments for six months or accept a token £1 payment each month. You may have lost your job or had your hours cut, but it is important to

READ MORE

Terminate a Hire Purchase Agreement – Letter Template

Introduction Our free letter template is perfect for people who want to terminate their hire purchase agreement with a creditor. If you wish to cancel your hire purchase agreement, download our letter template for free, insert your details and post it off.  You are legally allowed to terminate a hire purchase agreement under the Consumer

READ MORE

Reconsider My Pro-rata Offer – Letter Template

Introduction Did your creditor(s) refuse your pro-rata payment offer? Use this letter template to send a request for them to reconsider your pro-rata debt repayment offer. Stressing the need to reduce your payments and the fairness of using a pro-rata offer might make some of your creditors change their mind.  MoneyNerd has created pro-rata debt

READ MORE

Reconsider a Token Offer – Letter Template

Introduction If you made a token offer as a sign of goodwill to a creditor and they rejected it, you can ask them to reconsider their decision with this letter template. We have carefully written a letter to ask creditors to reassess their decision and make them aware that they are not likely to recover

READ MORE

Pro-rata Offers – Letter Template

Introduction If you have multiple debts and can no longer afford to make your monthly repayments to each creditor, you could ask your creditors to accept pro-rata offers. We’ve made asking creditors to accept pro-rata offers easy with our free letter template. Simply download the single or joint letter template depending on if you have

READ MORE

Hold Action on Your Account Coronavirus – Letter Template

Introduction Use this free MoneyNerd letter template to ask a creditor to hold action on your account during the COVID-19 pandemic.  Creditors typically agree to hold action on an account by not enforcing payments or adding interest when someone is first told they have a debt. This is so they can seek debt advice and

READ MORE

Hold Action on your Account – Letter Template

Introduction If you recently received a debt repayment request, you can ask your creditor to hold action on your account for 30 days while you seek debt advice and work out how you will get out of the debt.  Our free letter template is a readymade way to inform your creditor what is going on,

READ MORE

Full and Final Settlement Offer – Letter Template

Introduction Our free full and final settlement letter template is a fantastic resource if you need help negotiating a settlement offer. A full and final settlement can be a cheaper way to escape your debts quickly, saving you hundreds and sometimes thousands of pounds.  Download our full and final settlement for single or joint debts,

READ MORE

Freeze Interest – Letter Template

Introduction Use our free letter templates to ask creditors to freeze interest on your account. You can use this letter if you have already asked your creditors to remove interest from debt repayments, but they have yet to agree. Our professionally written letter could make your creditors change their mind and make getting out of

READ MORE

Continue Accepting My Offer – Letter Template

Introduction If you are making debt repayments to a creditor and your account is soon to be reviewed, you can ask the creditor to continue accepting your current terms with our free letter template. Some creditors may consider increasing your repayments or unfreezing interest on the account. With our free letter template, you can request

READ MORE

Dispute Liability for a Mortgage Shortfall – Letter Template

Introduction Our free letter template to dispute liability for a mortgage shortfall is perfect for people who believe time has passed for their lender to recover the money. We draw upon rules and regulator codes to explain why you are no longer liable to pay a mortgage shortfall debt.  We’ve made a letter template for

READ MORE

Tell a Bailiff That You Are Vulnerable – Letter Template

Introduction If you need to tell a bailiff you are vulnerable, you can use our free letter template to get the message across clearly and professionally. Our free letters can be printed off and sent to your bailiff to inform them of your vulnerable situation. The rules for bailiffs are different when dealing with vulnerable

READ MORE

Complain to a Bailiff Company – Letter Template

Introduction Download this letter template for when you want to make a complaint about a bailiff or bailiff company.  Dealing with bailiffs can be scary but they still have rules to follow. If you believe a bailiff has acted wrongfully and treated you in ways that are against the law, our letter template will make

READ MORE

Complain About a Bailiff Overcharging you – Letter Template

Introduction There are caps on the fees you can be charged by law enforcement officers, also known as bailiffs. If you think you have been overcharged, you should complain about a bailiff overcharging you in writing first. We make this process simpler and less stressful.  Download our complaint about a bailiff template letter for free

READ MORE

Time Has Run Out to Recover the Debt – Letter Template

Introduction Has your debt become too old to be collected? You need our free statute barred letter template to make your creditor aware. We have created an effective and free to download statute barred letter template for individuals and joint debt owners.  End debt repayment requests instantly by sending off a statute barred debt letter,

READ MORE

Creditor Harassment Warning – Letter Template

Introduction Our creditor harassment warning letter is the ideal solution for anyone feeling like they are being harassed by their creditors. The law prevents any creditor from harassing their customers with frequent calls, texts or doorstop visits. Make your feelings clear and stop those debt collection calls with this creditor harassment letter template. We’ve made

READ MORE

Complain to your Lender – Letter Template

Introduction If you want to make a complaint to your lender, you will need to send a creditor complaint letter. This can be daunting, cause stress and take time to compose. That’s why MoneyNerd is making it easier with our free downloadable lender complaint letter templates. We have a template for individuals and partnerships, so

READ MORE

Other Useful Letters – Letter Templates

Introduction Here we have seven more letter templates for common situations facing people in debt. From asking for an affordable repayment plan with your energy company to requesting a stay of execution from the court, we’ve covered all bases.  Download them for free now! Ask Your Energy Supplier to Accept Affordable Payments Is your energy

READ MORE

Negotiating With your Creditor – Letter Templates

Introduction We have 13 free letter templates to save you time and stress when negotiating with your creditor. From asking creditors to continue accepting a repayment plan to requesting they write off your debt altogether, and everything in between, you can find a professional letter template here.  Continue Accepting my Offer If you are currently

READ MORE

Making Payment Instructions – Letter Templates

Introduction If you want to make payment instructions to your bank, or if you want to withdraw permission for companies to take money using recurring card payments, we have free letters templates you can use. These letters will make giving payment instructions easy! Ask Your Bank to Pay Particular Bills Out of your Account The

READ MORE

Dealing With Mortgage Shortfall Debt – Letter Templates

Introduction After you have your home repossessed for failing to keep up with mortgage repayments, you might be dealt another blow with a mortgage shortfall debt. In a nutshell, this is when the home is sold by the lender but the selling value doesn’t cover the outstanding amount left on your mortgage.  We have five

READ MORE

Dealing with Bailiffs – Letter Templates

Introduction If you need to deal with bailiffs or make a complaint about a bailiff, we have made it easier and less stressful for all debtors. Download one of our four letter templates that matches your situation trying to deal with bailiffs.  We use the law to make your case – and make your letter

READ MORE

Complaining About a Lender – Letter Templates

Introduction We have four letter templates you can use to complain about a lender easily. Save yourself time and make your complaint professional with our templates. We’ll help you complain about all the common problems debtors face, including creditor harassment, statute barred debt and complaints that you do not owe the money.  Complain to Your

READ MORE

Asking for Information – Letter Templates

Introduction MoneyNerd has created three letter templates for when you need to ask creditors for information.  Whether you want to request a breakdown of instalments left to pay on your loan, a copy of your signed credit agreement, or even a copy of the personal information your lender keeps on file, our letter templates are

READ MORE

Re-designing the Credit Industry after the COVID crisis

Introduction Before coronavirus hit, family and household budgets were pretty tight. In 2019, economic growth fell in the UK in quarter 2, and in quarter 4 was flat. Unemployment, under-employment and 0 hours contracts all increased in 2019 and wages had started to fall. There were clear signs of actual and potential strains on family

READ MORE

Claim4flights Flight Compensation Reviews & In-depth Info

Are you looking to claim compensation for a cancelled or delayed flight? Can you trust a company like Claim4flights to do it for you? In this review we give look at Claim4flights in more detail and give you the information to get the most from your claim. Summary Claim4flights is an UK-based flight compensation company

READ MORE

MoneyNerd.co.uk Acquires ClaimWisely.co.uk

MoneyNerd, a debt and personal finance blog, has acquired ClaimWisely. The Acquisition The acquisition – the details of which have not yet been specified – sees MoneyNerd acquire ClaimWisely, a site that focuses on compensation claims, as the personal finance blog looks to expand its positive influence in a new market. MoneyNerd currently specialises in

READ MORE

What to do if you’ve literally just had a car accident?

Having a car accident can be one of the worst experiences of your life. As well as being physically and mentally traumatic, you will also need to deal with the aftermath of the accident, including claiming on your car insurance and getting your car repaired or written off. In this guide, we are going to

READ MORE

Direct Accident Management Claims Reviews & In-Depth Info

If you’re looking at Direct Accident Management for a Car Accident or Personal Injury Claims, then read this review. Summary Direct Accident Management is a UK-based company that was established in 1996. It is private limited company, although it does not publicly share information about its size online. Direct Accident Management work across England and

READ MORE

WNS Assistance Claims Reviews & In-depth Info

Are you thinking about making a claim using WNS Assistance? If so, then you will want to read this review. Being in a car accident or having a personal injury is always horrid, but that doesn’t mean that claiming compensation has to be, too. This review will show your options. First, an overview of WNS

READ MORE

Clark Willmott Claims Reviews & In-depth Info

Are you thinking about making a claim using Clark Willmott Claims? If so, then you will want to read this review. Being in a car accident or having a personal injury is always horrid, but that doesn’t mean that claiming compensation has to be, too. This review will show your options. First, an overview of

READ MORE

Hudgell Solicitors Claims Reviews & In-depth Info

Are you thinking about making a claim using Hudgell Solicitors Claims? If so, then you will want to read this review. Being in a car accident or having a personal injury is always horrid, but that doesn’t mean that claiming compensation has to be, too. This review will show your options. First, an overview of

READ MORE

Claims Direct Reviews & In-depth Info

Are you thinking about making a claim using Claims Direct? If so, then you will want to read this review. Being in a car accident or having a personal injury is always horrid, but that doesn’t mean that claiming compensation has to be, too. This review will show your options. First, an overview of Claims

READ MORE

Claim Time Solicitors Reviews & In-depth Info

Are you thinking about making a claim using Claim Time Solicitors? If so, then you will want to read this review. Being in a car accident or having a personal injury is always horrid, but that doesn’t mean that claiming compensation has to be, too. This review will show your options. First, an overview of

READ MORE

Coplus Claims Reviews & In-depth Info

Are you thinking about making a claim using Coplus Claims? If so, then you will want to read this review to find out more. Being in a car accident or having a personal injury is always horrid, but that doesn’t mean that claiming compensation has to be, too. This review will show your options. First,

READ MORE

CFG Law Claims Reviews & In-depth Info

Are you thinking about making a claim using CFG Law Claims? If so, then you will want to read this review to find out more. Being in a car accident or having a personal injury is always horrid, but that doesn’t mean that claiming compensation has to be, too. This review will show your options.

READ MORE

Haven Claims Reviews & In-depth Info

If you’re looking at Haven Claims for a Car Accident or Personal Injury Claims, then read this review to find out more. Review Summary Haven Claims is a trading name of Haven Claims and is based in Gibraltar. The company specialises Haven Claims is an independent, privately owned insurance company and was founded in 2016.

READ MORE

Morrish Solicitors Claims Reviews & In-depth Info

If you’re looking at Morrish Solicitors Claims for a Car Accident or Personal Injury Claims, then read this review to find out more. Review Summary Morrish Solicitors offers a full legal service and specialises in personal injury claims. They offer a range personal The company has offices in Leeds, Yeadon, Bradford and throughout the UK.

READ MORE

BD Elite Claims Reviews & In-depth Info

If you’re looking at BD Elite Claims for a Car Accident or Personal Injury Claims, then read this review to find out more. Review Summary BD Elite specialises in personal injury claims and is registered in England. The company has more than 400 brokers and is based in Bolton. BD Elite assists clients with various

READ MORE

Slater Gordon Solutions Motor Claims Reviews & In-depth Info

If you’re looking at Slater Gordon Solutions Motor for a Car Accident or Personal Injury Claims, then read this review to find out more. Review Summary Slater Gordon Solutions Motor is seen as a market leader in the field of insurance claims. They have a proven track record of working with some of the most

READ MORE

Quantum Claims Reviews & In-depth Info

If you’re looking at Quantum Claims for a Car Accident or Personal Injury Claims, then read this review to find out more. Review Summary Quantum Claims specialises in personal injury claims and has been in b usiness for more than 28 years. They work on a no-win, no fee basis and is based in Scotland.

READ MORE

Frazer Coogans Claims Reviews & In-depth Info

If you’re looking at Frazer Coogans Claims for a Car Accident or Personal Injury Claims, read this review to find out more. Review Summary Frazer Coogans has been in business since 1985 and also acquired Lawson Russell Solicitors. The company specialises in accident claims and helps clients with personal injury claims. With offices in multiple

READ MORE

ClaimFast Claims Reviews & In-depth Info

Are you thinking about making a claim using ClaimFast Claims? If so, then you will want to read this review. Being in a car accident or having a personal injury is always horrid, but that doesn’t mean that claiming compensation has to be, too. This review will show your options. First, an overview of ClaimFast

READ MORE

Flightright Flight Compensation Reviews & In-depth Info

Are you looking to claim compensation for a cancelled or delayed flight? Can you trust a company like Flightright to do it for you? In this review we give look at Flightright in more detail and give you the information to get the most from your claim. Summary A German company, Flightright.com has been in

READ MORE

Airhelp Flight Compensation Reviews & In-depth Info

Are you planning to use AirHelp to get money back for a delayed or cancelled flight? If so, read this short review. Overview If you’re looking for one of the biggest players in flight compensation, then Airhelp should be right up your street. Although it has been around since 2013, this American company is growing

READ MORE

Refund Me Flight Compensation Reviews & In-depth Info

Are you looking to claim compensation for a cancelled or delayed flight? Can you trust a company like Refund Me to do it for you? In this review we give look at Refund Me in more detail and give you the information to get the most from your claim. Read my delayed flight compensation guide.

READ MORE

Bott and Co Flight Compensation Reviews & In-depth Info

Are you planning to use Bott and Co to get money back for a delayed or cancelled flight? If so, read this short review. Overview UK-based flight compensation company, Bott and Co has been in existence since 2003. Although it’s timeline suggests experience and success, it doesn’t share all company information, such as number of

READ MORE

Sarah Waddington Solicitors Flight Compensation Reviews & In-depth Info

Are you planning to use Sarah Waddington Solicitors to get money back for a delayed or cancelled flight? If so, read this short review. Overview Sarah Waddington Solicitors specialises in Timeshare and Consumer Law and Practice, as well as personal compensation claims, including Flight Disruption Compensation. Sarah Waddington Solicitors has an informative section on the

READ MORE

EUClaim Flight Compensation Reviews & In-depth Info

Are you looking to claim compensation for a cancelled or delayed flight? Can you trust a company like EUClaim to do it for you? In this review we give look at EUClaim in more detail and give you the information to get the most from your claim. Summary Euclaim is a company that came into

READ MORE

Aviation ADR Flight Compensation Reviews & In-depth Info

Are you planning to use Aviation ADR to get money back for a delayed or cancelled flight? If so, read this short review. Overview has been in operation for over 5 years. Aviation ADR is an Alternative Dispute Resolution (ADR) scheme which helps resolve disputes between air passengers and airlines and airports in cases of

READ MORE

Claimflights Flight Compensation Reviews & In-depth Info

Are you planning to use Claimflights to get money back for a delayed or cancelled flight? If so, read this short review. Overview Claimflights an airline compensation claim company, dealing in flight delays and cancellation. Claimflights seeks to support customers in pursuing successful claims against air travel that was subject to disruption. A young company,

READ MORE

Aircashback Flight Compensation Reviews & In-depth Info

Are you looking to claim compensation for a cancelled or delayed flight? Can you trust a company like Aircashback to do it for you? In this review we give look at Aircashback in more detail and give you the information to get the most from your claim. Read my delayed flight compensation guide. European Law

READ MORE

Fairplane Flight Compensation Claims Reviews & In-depth Info

Are you planning to use Fairplane to get money back for a delayed or cancelled flight? If so, read this short review. Overview Fairplane is Austria’s only flight compensation company and it has been in operation since 2012. Operating under EU Regulation 261/2004, Fairplane is a bona fide company dealing in air passenger rights as

READ MORE

Reclamador Flight Compensation Reviews & In-depth Info

Are you planning to use Reclamador to get money back for a delayed or cancelled flight? If so, read this short review. What is a Flight Compensation Company? In short, businesses like Reclamador work to claim compensation for your cancelled or delayed flight. All you need to do is provide them with the necessary details

READ MORE

Claimcompass Flight Compensation Reviews & In-depth Info

Are you looking to claim compensation for a cancelled or delayed flight? Can you trust a company like Claimcompass to do it for you? In this review we give look at Claimcompass in more detail and give you the information to get the most from your claim. Summary Claimcompass has been in operation for over

READ MORE

BG Solicitors Flight Compensation Reviews & In-depth Info

Are you planning to use BG Solicitors to get money back for a delayed or cancelled flight? If so, read this short review. Overview BG Solicitors is a regional law firm based in Eastern England, across 4 offices in different geographical locations. They offer a full spectrum of law services, from family law to employment

READ MORE

SkyCop Flight Compensation Reviews & In-depth Info

Are you planning to use SkyCop to get money back for a delayed or cancelled flight? If so, read this short review. Read my delayed flight compensation guide What is a Flight Compensation Company? In short, businesses like SkyCop work to claim compensation for your cancelled or delayed flight. All you need to do is

READ MORE

Flight Reclaim Flight Compensation Reviews & In-depth Info

Are you planning to use Flight Reclaim to get money back for a delayed or cancelled flight? If so, read this short review. Overview Flight Reclaim is a UK-based flight compensation company and it has been in operation since 2014. Little information has been made public on the size of the company and so it

READ MORE

Which debt to pay off first? (Quick answer & FAQs)

The average debt per household in the UK is estimated to be over £30k. While this amount may seem quite staggering, more often than not, this is a combination of lots of different debts that you might have found yourself owing. When it comes down to it, though, which debt do you pay off first?

READ MORE

Time-barred debt (quick guide, solution & FAQs)

Debt collection – ‘that doesn’t apply to me’, you might think. Well, it actually affects well over half the adult population of the UK. Around 63% of adults living in the UK currently have some form of personal debt. Quite a significant number, we’re sure you’ll agree. There are all sorts of legislations and jargon

READ MORE