Scott Nelson - Debt Expert
Posts by Scott Nelson:
Effective Roadmap Templates for Achieving Financial Goals
Creating a financial roadmap is like setting a reliable course through life’s uncertainties. With costs rising and incomes often fluctuating, having a solid financial plan has become essential. Financial roadmap templates are incredibly helpful for those wanting to define clear goals and track their steps towards financial independence. These templates simplify managing debt and help […]
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The Worst Types of Debt to Incur
Debt is something that is seemingly inescapable regardless of where you live. In the UK, this is no different. Aside from the government having a colossal debt of £2.7 trillion, local households in the region are faring no better, averaging a debt of £71,000 per household—a total of more than £2 trillion. With the UK’s […]
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PO Box 107, Caerphilly CF83 3GG — Who Is It?
Have you received a letter from PO Box 107, Caerphilly CF83 3GG? This address is commonly associated with Link Financial, a debt collection company. We know this can be concerning, but you’ve come to the right place for advice. Every month, over 170,000 people visit this site seeking guidance on similar matters. In this guide, […]
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How Bailiffs Operate: Procedures, Powers, and Limitations
Worried about a bailiff visit? You’re not alone. We help over 170,000 get informed about their rights and protections each month. Dealing with a bailiff visit is stressful, especially when you aren’t sure what’s going to happen. Our quick guide will take you through: What is a bailiff? The term ‘bailiff’ is used to describe […]
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Parking Charge Notice vs Penalty Charge Notice: Know The Difference
Got a parking ticket but don’t know what type? You are in the right place! More than 130,000 people visit our site monthly for information about parking tickets. Here is our quick guide to appealing parking tickets. In this article, we’ll take a look at: What parking tickets are there? When dealing with parking tickets, […]
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How to Appeal a Ticket (With Examples)
Want to appeal your parking ticket but not sure how? You are in the right place! More than 130,000 people visit our site monthly for information about parking tickets. Here is our quick guide to appealing parking tickets. In this article, we’ll take a look at: How do I appeal a parking ticket? Your options […]
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Universal Credit EXTRA Discounts
Living on Benefits? It can be really hard to solely depend on Universal Credit, so I’ve done some research to find extra perks and discounts that you might not know you’re entitled to. Here are 12 extras that might help ease your finances: Keep your home cosy without burning a hole in your pocket. Qualify […]
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Parking Ticket Scams: How to Identify and Avoid Them
Worried about a potential parking scam? We think you’re in the right place! More than 130,000 people visit our site monthly for information about parking tickets. Here is our quick guide to parking ticket scams. In this article, we’ll take a look at: What is a parking ticket scam? Have you ever wondered how a […]
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Your Rights with Debt Collectors: A Simple Breakdown
Having a debt collector contact you can be terrifying, and you may feel overwhelmed in this situation. It may feel better to hide away from the letters and phone calls, but the more you ignore a debt collector, the more insistent they will become – until you get a visit at your front door. We […]
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Morses Club in Administration – What does this mean for you?
Are you wondering why Morses Club has gone into administration? You’ve come to the right place! Every month, over 170,000 people visit this site seeking advice on debt solutions. In this article, we’ll address the following questions: Dealing with debt can be quite concerning, and it’s common to feel unsure about seeking help. In fact, […]
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Getting Cheap Car Insurance With Convicted Driver Penalties
Sorting out your car insurance after a conviction can be a headache. With so many different endorsement codes and insurance policies, it can be difficult to know where to start. I have put together this quick article to help make finding insurance for convicted drivers a little bit easier. I will walk you through some […]
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01782401191 – Who Called? Stop Advantis Credit
The number 01782401191 belongs to Advantis Credit. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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Documents Needed for Equity Release? Your Checklist
Knowing which documents to provide when taking out an equity release loan can be confusing. Here’s a list of the most important documents to gather before applying…
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How to Avoid Paying Child Maintenance (2024 Loopholes)
Child maintenance avoidance in the UK involves numerous considerations, like legal responsibilities, calculation methods, and non-compliance consequences. Both paying and receiving parents have distinct perspectives. This discussion focuses on managing payments responsibly, tackling non-payment issues, and understanding the intricacies of child maintenance obligations.
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Debt Validation Letter for the UK – Free Template
Are you puzzled by a sudden letter from a debt collector? Unsure if you need to pay? Don’t worry; you’re in the right spot for clear answers. Every month, over 170,000 people look to our website for guidance on their debt issues. In this article, we will help you to: Debt can be confusing and […]
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Clean Break Consent Order Template – Download, Edit, Send
If you and your partner have reached an amicable agreement on the division of assets and other financial obligations, you may not need to use a lawyer to draft a consent order. It may well be possible for you to use a clean break consent order template instead, to reduce costs. Let me explain...
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Child Maintenance Support Calculator – Divorce & Separation
If you’re going through a separation or a divorce with children, you need to line up your ducks when it comes to child maintenance payments. Find out what’s what with a UK child support calculator.
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How Much Does It Cost to Get a Financial Order in the UK?
How much does it cost to get a financial order in the UK? If you’re planning or already negotiating a divorce settlement, you need to know about divorce financial orders and their cost. Let me walk you through it...
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Best Cheap Park Home Mortgage Lenders in UK (2024 Rates)
Many people see park homes as an affordable and low-maintenance kind of accommodation. They can be an attractive option for older people, or people who want to live in a secure community. It is possible to get a mortgage to buy a park home, and there are other ways to fund the purchase as well.
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Best Cheap Residential Park Home Finance Companies in the UK
For some people, a park home is an excellent choice of low-cost, low-maintenance accommodation. Even though park homes are generally far less than a traditional home, there are still finance companies that will lend you money to buy one. However, there are different regulations in place to govern the sale and transfer of park homes, that you will need to understand.
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CDER Group Debt – Should You Pay?
Not everyone will need to pay CDER Group debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Pros and Cons Of Bankruptcies
Bankruptcy is a method of insolvency used to reduce debt and stop legal action from being taken against you. But, there are significant downsides associated with going bankrupt. Let me walk you through the pros and cons...
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Arrangement to Pay on Credit File – Why and How to Remove?
An arrangement to pay on your credit file represents a negotiated repayment agreement with a creditor and, unfortunately, cannot be directly removed but can cease to affect you once the debt is repaid. Curious to learn more?
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Enforcement of UK Judgments Abroad – What You Need to Know
Enforcement of UK judgments abroad is achievable, depending on specific treaties and reciprocal agreements between the UK and the relevant foreign country. Dive in for a deeper exploration…
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Alternatives to IVA – 4 Other Options That Could Be Better
Alternatives to Individual Voluntary Agreements (IVAs) exist and could be a more suitable option for managing your debt. Discover four other solutions in the article below.
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Can You Swap Council House With Rent Arrears – Laws Advice
Curious about whether you can swap your council house if you have rent arrears? Find out the answer to this question and get all the information you need to make an informed decision
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Can I Change from IVA to DRO? Your Options Explained
Yes, you can switch from an Individual Voluntary Arrangement (IVA) to a Debt Relief Order (DRO), although it isn't always the optimal solution. Read on to understand why…
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I Have a CCJ but Don’t Know Who From – How To Resolve
Discovering an unknown County Court Judgement (CCJ) against your name can be resolved by checking your credit report and contacting the issuing court. Keep reading to understand the steps in detail…
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ULEZ PCN Challenge – Should You Pay or Appeal?
Whether to pay or appeal a ULEZ Penalty Charge Notice (PCN) hinges on understanding the specific circumstances and grounds for the penalty. Intrigued? Let's dig into the details.
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PO Box 123 Burton on Trent DE14 2XE – Who’s Contacting Me?
Letters from PO Box 123 Burton on Trent DE14 2XE are actually from Robinson Way Debt Collection, now known as Hoist Finance. But why are they contacting you? Let's find out...
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Is a County Court Claim a CCJ? What’s the Difference?
When a County Court gets in touch about a debt you owe, it can be a bit scary. You might be asking, “Does a County Court Claim mean I have a CCJ?” Don’t worry; you’re in the right place to find the answers. Every month, over 4,600 people visit our website for guidance on court […]
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The Cheapest Car Insurance with TT99 Banned Driver Conviction?
Securing the cheapest car insurance with a TT99 banned driver conviction requires careful research and comparison among high-risk insurers. Curious to understand more about this?
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If I Declare Bankruptcy: What Happens to my Wife?
Curious about the impact of bankruptcy on your spouse? Don't miss out on understanding this important aspect.
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Not Told Insurance About Points? Here’s What May Happen
Failing to inform your insurance provider about any points on your license is an offence under the Road Traffic Act 1988 and could potentially invalidate your insurance. Intrigued?
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How Much Does 6 Points Affect Insurance? Cost Breakdown
Curious about the financial impact of having six points on your driving licence? Discover how much it could cost you and learn what steps to take if you already have six points or more. Don't miss out on this important information that could save you money on your insurance premiums.
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Average Credit Score by Age UK
The average credit score varies by age in the UK, reflecting the financial maturity and credit behaviour of different age groups. Let's get into the details...
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Average Retirement Savings UK
The average retirement savings in the UK currently stands at £61,897. Read on to understand more about this figure and what it means for your financial planning.
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Average Medical Student Debt UK
In the UK, the average medical student accumulates a debt ranging from £50,000 to £90,000 due to the high costs and lengthy duration of their studies. Join us as we delve deeper into these figures, their implications, and what it means for the future of these students.
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Average Credit Card Debt by Age UK
In the UK, the average credit card debt per person varies by age, but sits overall at £5,400. Keep reading to understand the implications of these debts across generations.
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Can Debt Collectors Come to Your House in Scotland?
Debt collectors can come to your house in Scotland. But, you should first receive a letter notifying you of their intention to visit. Let me walk you through the process...
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Average Personal Loan Interest Rate by Credit Score
The average personal loan interest rate in the UK directly corresponds to one's credit score, with lower scores generally attracting higher rates. Dive in to discover more...
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Average Car Debt in the UK
The average car debt in the UK has seen a marked increase over the years, with current consumers paying between £300 and £400 per month on car finance. Let's dive deeper...
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High Court Enforcement Officer Powers – Know Your Rights!
With a High Court Writ, a High Court Enforcement Officer has the power to enter the residential or commercial property of the debtor. They can also request payment, agree to a repayment plan, or seize goods. Let me walk you through the process...
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Average Student Debt UK
The average student debt in the UK is currently pegged at £23,000, a daunting amount for anyone embarking on their academic journey. Dive in to explore this issue and understand its implications.
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What Happens if You Don’t Pay a CCJ after 6 Years?
Have you ever wondered what happens if a CCJ is not paid after 6 years? Discover the actions creditors can take, the impact on your credit report, and how to navigate this situation effectively.
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N244 Form for CCJ – Where to Send and What to Do?
Do you need an N244 form for CCJ and don’t know where to start? Don't worry, we've got you covered.
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Charging Order Interest Rate – Everything You Need to Know
The interest rate for a charging order, a court-issued instrument for repaying debt, continues to accrue until the debt is fully repaid, regardless of how long it takes. Read on to learn more about charging orders and how they could affect you.
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Lying About Who Was Driving When Speeding – Maximum Penalty
It's likely that you will have to go to court if you dispute who was driving the car when it was caught speeding. If you are lying, it's very likely that the judge will gather the necessary evidence prove your guilt. You may then face the maximum penalty. Let me explain the process...
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How To Check My Court Fine Balance in The UK? Links & Guide
To check your court fine balance in the UK, you need to contact the court that issued the fine. Let me walk you through the process...
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County Court Judgement Process – What to Expect & What to Do
A County Court Judgement can be issued to make you repay a debt. However, claimants must follow a strict process to issue a CCJ against a debtor. Let me walk you through it...
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Credit Limits International Debt Collection – Should I Pay?
Not everyone will need to pay Credit Limits International Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Can You Go to Jail for Unpaid Library Fines? Maximum Penalty
No, you cannot go to jail for unpaid library fines in the UK. But, there's more to this story...
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How to Pay a CCJ with No Paperwork? Step-by-Step Guide
Paying a CCJ with no paperwork can be achieved through options such as bank transfers or cheque payments, requiring only minimal details from your side. Read on for a step-by-step guide.
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Aqua Debt Collection – Do You Really Have to Pay?
Not everyone will need to pay Aqua Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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52M PCN – Failing to Comply with a Prohibition – Can I Appeal?
You can appeal a 52M PCN. But, you need appropriate grounds for appealing and solid evidence for it to be successful. If you don't, it is more beneficial to pay the fine as soon as possible. Let me explain...
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How Much Can Universal Credit Deduct for Council Tax Arrears?
Universal Credit can deduct up to 5% of your total entitlement to cover council tax arrears. Dive in to find out more...
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Struggling to Pay Court Fines? 3 Things You Can Do
If you can't pay your court fines, you can ask for a reduction, look for alternative payment options, or request an extension. Let me walk you through your options...
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Interim Charging Order Not Yet Made Final – There’s Hope!
An Interim Charging Order can be stopped from becoming final if you object within the specified 28-day period and present a compelling case. Read on for guidance on how to navigate this process...
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Appealing Final Charging Order – How To Challenge and Win?
Successfully appealing a Final Charging Order requires understanding how to present compelling evidence and arguments that challenge its issuance. Delve into this piece to uncover your strategy…
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How do I Speak to Someone at ParkingEye?
You can speak to someone at ParkingEye over the phone, via email, or using their online chat.
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Unpaid Court Fines Arrest Warrant – What You Can Expect
A financial arrest warrant will be issued if the court believes that you are choosing to not pay a fine even though you have the means. However, this is a last resort. Let me explain the process...
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What Are the Rights of a Second Charge Holder?
A second charge holder, typically a lender providing a secured loan on a property that already has an outstanding mortgage, possesses the right to force a property sale in case of loan default. Intrigued? Read on.
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Penalty for Not Paying Council Tax – Best And Worst Case
The penalty for not paying council tax can range from fines to even imprisonment in extreme cases. Continue reading to grasp a clearer understanding...
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H Collect Debt – Must You Pay?
Not everyone will need to pay H Collect debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Missed Payment on Car Insurance – Are You Breaking the Law?
If you miss multiple payments, your car insurance could be cancelled. If you drive after your insurance is cancelled, you are breaking the law. Let me explain...
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How Does a Revoked Licence Affect Insurance?
Having a revoked licence can potentially increase your vehicle insurance costs when you get it back, due to the perceived higher risk by insurance companies. Keep reading to delve into the nuances and understand how you can navigate this challenge.
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Do You Have to Tell Insurance About Points Straight Away?
Under The Road Traffic Act 1998, you are legally required to inform your car insurance provider about any penalty points on your licence, usually at the time of renewal. Dive in to find out more...
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The Cheapest Car Insurance For High Risk Drivers
Securing the cheapest car insurance for high-risk drivers is possible through diligent comparison, understanding the impact of your specific convictions, and making strategic decisions about coverage and usage. Discover how in this post...
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Student Loan Debt Collectors – Do I Have to Pay?
Not everyone will need to pay Student Loan Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Searchlight Collections Debt – Should I Pay?
Not everyone will need to pay Searchlight Collections. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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DWF Solicitors Debt Recovery – Do I Have to Pay?
Not everyone will need to pay DWF Solicitors Debt Recovery. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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When Do Debt Collectors Give Up? (According to UK Laws)
A debt collector can continue to chase a debt until it is written off. In the UK, debt is usually written off after 6 years. But, if you ignore debt collectors, legal action could be taken against you. Let me walk you through your options...
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Updated Information on the UK Credit Score Range
In the UK, your credit score will be measured on a scale of 0 to 999 on Experian, or 0 to 1000 on Equifax. Anything above 881 on Experian is considered to be a good score, whereas anything above 420 on Equifax is considered to be a good score. Let me explain in more detail...
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The Cheapest Car Insurance with DG10 Conviction?
A DG10 conviction can make cheap car insurance hard to find. But, there are ways to lower costs. You could opt for usage-based insurance, telematics, use comparison websites or even a specialist insurance broker. Let me explain…
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The Cheapest Car Insurance For Cancelled Policies?
Having a cancelled policy on your record will make cheap insurance hard to find. But, there are some ways to lower costs. For example, you could opt for usage-based insurance or use comparison websites. Let me walk you through your options...
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How Much 3 Points Affects Your Insurance: Cost Breakdown
Three penalty points on your UK driving licence typically increase insurance premiums by roughly 5-10%. Let's delve into the details...
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The Cheapest Car Insurance with Points This Year
The cheapest car insurance with points on your licence can be found by seeking out specialist insurers and employing specific strategies discussed herein. Dive in to discover more...
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How Much Do 9 Points Affect Insurance? A Cost Breakdown
Nine penalty points on your driving licence can significantly increase your car insurance premiums, sometimes as much as doubling the cost. Curious to find out more? Read on...
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The Cheapest Car Insurance with CD30 Conviction
A CD30 conviction can make cheap car insurance hard to find. But, there are ways to lower costs. You could opt for usage-based insurance, telematics, use comparison websites or even a specialist insurance broker. Let me explain…
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The Cheapest Car Insurance with DR10 Conviction
A DR10 conviction can make cheap car insurance hard to find. But, there are ways to lower costs. You could opt for usage-based insurance, telematics, use comparison websites or even a specialist insurance broker. Let me explain…
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The Cheapest Car Insurance with IN10 Conviction?
An IN10 conviction can make cheap car insurance hard to find. But, there are ways to lower costs. You could opt for usage-based insurance, telematics, use comparison websites or even a specialist insurance broker. Let me explain…
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Which Car Insurance Companies Do Not Ask About Criminal Convictions?
All car insurance companies will ask you to declare any criminal convictions. But, you only need to declare unspent convictions. Let me explain...
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Cheapest Learner Driver Insurance with Convictions?
A conviction can make car insurance for learners hard to find. But, you do have some options. For example, you could become a named driver on someone else's car. Let me explain…
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How to Spot a Fake County Court Business Centre Claim Form Letter
There are a few ways to spot fake County Court Business Centre Claim form. For example, if the letter asks you to make a payment immediately, it is likely fake. You can also check your credit history to see if a CCJ has been issued against you. Let me explain...
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How Much is Car Insurance After Drink Driving Ban?
A drink driving ban can make affordable car insurance hard to find. But, there are ways to lower costs. For example, you could seek a car that has a low insurance rating. Let me explain...
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Guide to the Equifax Credit Score Range in the UK
Equifax operates credit scoring on a scale of 0 to 1,000, but anything above 420 is considered good. Let me explain the scale in more detail...
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Debit Finance Collections Plc (DFC) – Should You Pay?
Not everyone will need to pay Debit Finance Collections Plc. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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The Cheapest Car Insurance with DR30 Conviction?
Finding the cheapest car insurance with a DR30 conviction in 2023 is possible by comparing multiple providers and considering cars with smaller engines. Keep reading for more insightful tips and guidance...
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What are the HELOC Rates in the UK?
HELOC rates in the UK as of 2022 range approximately between 2% and 10%, influenced by factors such as the amount of equity in a property and the creditworthiness of the customer. Let's delve deeper...
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Coltman Warner Cranston Debt – Should You Pay Them?
Not everyone will need to pay Coltman Warner Cranston debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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UK HELOC Lenders and Banks
The comprehensive list of UK HELOC lenders and banks updated for 2022 provides key insights into home equity lines of credit in the United Kingdom. Venture in to discover your best options.
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Debit Finance – Should You Pay?
Not everyone will need to pay Debit Finance. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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How is Weekly Income Calculated for Speeding Fines?
Speeding fines are calculated as a percentage of weekly income. Speeding offences are most commonly categorised into band A, B, or C. In these cases, the motorist could be fined between 25% and 75% of their weekly salary. However, in severe cases, a motorist could be fined up to 700%. Let me explain...
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Scott Mears Debt – Should You Pay Them?
Not everyone will need to pay Scott Mears debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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UKCPS Parking Charge Notice – Do I Pay or Appeal?
A UKCPS parking charge notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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How to Check Penalty Charge Notice – How to View a Fine
To check the details of a Penalty Charge Notice you can login to the online portal of the local council or transport authority that issued the fine. Let me walk you through the process...
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Does a Penalty Charge Affect Car Insurance?
You don't have to inform your insurance provider of a Penalty Charge. So, a Penalty Charge will not increase your premium. However, a Fixed Penalty Notice may affect your car insurance. Let me explain...
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Bus Lane PCN Appeal Letter Template – Free Sample
You can challenge a Bus Lane PCN by writing a letter of appeal. In the letter you should include the reason for appeal, and any evidence you have. Let me walk you through the process...
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Pay or Appeal? Vars Parking Charge Notice Contact Number
A Vars parking charge notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Pay Parking Ticket – Guide and FAQs
Parking tickets in the UK can be paid through various methods, including online, by cheque, or via an automated payment hotline. Let's delve into the details…
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How Much Does The Average Person Spend On Food Per Week UK
In the UK, the average person spends £44 on food per week. But, this can vary significantly depending on income and family size. Let me explain...
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PCN 5 Minute Observation Rule – Know Your Rights!
The 5 minute observation window is for evaluating whether you are, or are not, commiting an offence that warrants a PCN being issued. However, it isn't a hard-and-fast rule and it can't be used as grounds for appealing a PCN. Let me explain...
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Parking Charge Notice Northern Ireland – Pay or Appeal?
You can informally appeal a Parking Charge Notice in Northern Ireland on the operator's website. Parking Charge Notices are given by private businesses, rather than local councils. This means that your appeal has a good chance of being successful. Let me walk you through the process...
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PCN Issued After 28 Days – Should I Pay or Appeal?
If your PCN was issued after 28 days, you might be able to appeal. However, there are some exceptions. For example, if the DVLA were delayed in communicating your address to the local authority, the 28 day window can be extended. Let me explain...
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Congestion Charge Appeal Letter Template – Free Sample
You can challenge a Congestion Charge by writing a letter of appeal. In the letter you should include the reason for appeal, and any evidence you have. Let me walk you through the process...
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Clear Air Zone Charges – Do I Have to Pay?
You can challenge a Clean Air Zone Penalty Charge if you can prove that you didn't commit the offence or you received the PCN later than 28 days after the offence. Otherwise, Clean Air Zone Penalty Charge appeals have a low success rate. Instead, it is recommended that you pay the fine as soon as possible. Let me explain...
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Northern Rail Fixed Penalty Notice – Pay or Appeal?
You can appeal a Northern Rail Fixed Penalty Notice in writing or through the operator’s website. But, for it to be successful, you need appropriate grounds for appealing. Let me walk you through your options…
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Fixed Penalty Notice for Unauthorised Absence from School – Laws
You can be issued a Fixed Penalty Notice if your child has a number of unauthorised absences from school. If you don't pay the fine, you could be taken to court and legal action could be taken. Let me walk you through your options...
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How Much is a Speeding Fine for Doing 40 in a 30? – Worst Case
Driving at 40mph in a 30mph zone is considered a Band A offence. The fine for a Band A offence is 50% of your weekly income and three penalty points. Let me walk you through the details...
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Gifting Equity in Property – UK Rules, Warnings & Loopholes
Gifting equity in a property is a viable loophole for individuals under 55 to navigate the age restrictions of equity release in the UK. Let's dig deeper...
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SP30 Speeding Fine – Everything You Need to Know
An SP30 speeding fine is the most common speeding fine. It is given to anyone who commits a speeding violation on a speed-limited public road that is not a motorway. Let me explain in more detail...
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Equity Release Calculator – No Personal Details Required
To calculate an equity release plan, you need to know your loan amount, the interest rate, and have an estimate of how long the plan will be active. No other personal details are required. Let me illustrate...
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Interest Only Lifetime Mortgage Calculator
An Interest-Only Lifetime Mortgage Calculator is a tool that provides insights into how much your lifetime mortgage loan might grow over time, and how making monthly interest repayments can manage the growth rate of your debt. Dive in to understand more...
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How Far Back Can DWP Claim Overpayments?
The DWP can only claim overpayments from the last 6 years. But, there are some exceptions. Let me explain...
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Lowell Telecom on Credit Report – Who Are They?
Lowell Telecom is a debt collection agency that commonly purchases debt. If Lowell is on your credit report, it is likely that the company purchased a debt that you own. Let me explain in more detail...
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Selling Home to Pay for Care – Can You Avoid It?
Selling your home to pay for care is indeed a common practice, but it's not the only way to handle care costs and can potentially be avoided. Let's delve into the complexities of this crucial issue.
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How to Finance a House Extension?
There are a number of different ways to finance a house extension. For example, you could remortgage, use a home improvement loan, or even take out a credit card. Let me walk you through your options...
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IAS Appeal – Who Are They & How Can They Help?
The Independent Appeals Service (IAS) is a certified dispute entity that motorists can use to appeal a private parking ticket. Let me walk you through the process...
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Warrant of Control – How Bad Can It Get?
A Warrant of Control allows bailiffs to enter your property and seize goods to repay your debt. However, if you act quickly, you can prevent this from happening. Let me walk you through your options...
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Switching Equity Release Provider: Find the Cheapest Option
Switching equity release providers is indeed possible, offering homeowners potential benefits such as securing a lower interest rate or gaining additional assurances. Stay with me, let's delve into it.
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Equity Release after Divorce or Separation – Guide with Warnings
Equity release after separation is possible, offering solutions to some of the financial challenges of separation. Read on to understand more about the implications and potential benefits.
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Further Advance on Mortgage – How to Increase Your Loan
A further advance is the process of borrowing more from your current mortgage provider. Unlike the process of remortgaging, getting a further advance doesn't mean that you have to switch mortgage deals. But, for your application to be successful, you need to meet strict eligibility criteria. Let me walk you through your options...
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How Much Can I Borrow on a Lifetime Mortgage?
The amount you can borrow on a lifetime mortgage is usually between 20% and 60% of the home's evaluation. But, it will also significantly vary according to the age of the applicant. Let me explain...
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Pros and Cons of Lifetime Mortgage
A lifetime mortgage, a unique type of loan for homeowners over 55, comes with its distinct advantages and potential drawbacks. Dive in to discover more...
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Lifetime Mortgage Rules – Current Laws and Pitfalls
Lifetime mortgages, available to homeowners aged 55 and above, offer a unique means of equity release that requires no monthly repayments, with the debt instead accruing over time until the property is sold. Intrigued? Let's delve deeper...
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Lifetime Mortgage Early Repayment Charges – Hidden Costs Revealed
Lifetime mortgage early repayment charges are additional costs that arise when paying off a lifetime mortgage before its natural conclusion, and they're calculated based on specific terms set by your lender. Read on to understand these hidden costs and learn how you might avoid them.
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Can You Do Equity Release More Than Once?
Yes, you can indeed initiate an equity release more than once on your current residential property under certain scenarios. Dive in to unravel the specifics…
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Can You Get Equity Release on a Retirement Flat?
Yes, it is possible to get equity release on a retirement flat, although it is subject to the terms of specific lenders. Keep reading to understand how it works and your available options.
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What Is the Secured Loan Approval Process?
The secured loan approval process involves providing personal data, income, and property value information, followed by supplying documentation to substantiate the application claims. Let me walk you through the process...
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Can I Get a Secured Loan without My Husband Knowing?
If your husband is a registered owner of the property you plan to use as collateral, you cannot take out a secured loan without him knowing. But, it is possible to take out an unsecured loan without him knowing. Let me walk you through your options...
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3rd Charge Secured Loans – What You Need to Know
A 3rd charge secured loan, also known as a 3rd charge mortgage, is a third loan that is secured to your property. This type of loan is taken out on top of a first and second charge mortgage, and is considered to be quite risky. Let me explain...
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British Gas Debt On Meter – What You Need To Know
To pay a British Gas prepayment meter debt, you simply top up your prepaid card and slot it into the meter. A proportion of the balance will go towards repaying your debt. If you can’t pay, contact your provider to come to a repayment agreement. I’ll walk you through the process…
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How Long Does a Council Have to Respond to a PCN Appeal?
The council has 56 days, or 8 weeks, to respond to a PCN appeal. The council cannot ask you to pay during this time. They also cannot increase your fine during this time. Let me walk you through the process of appealing a PCN...
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Is a Speeding Ticket a Criminal Offence?
A speeding ticket is not a criminal offence if it is dealt with on time. If you ignore a Fixed Penalty Notice you can be prosecuted and this will go on your criminal record. Let me explain in more detail...
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How to Avoid Paying a Littering Fine – Do I Appeal?
You can appeal a littering fine by taking the matter to court. For it to be successful, you need appropriate grounds for appealing. Let me walk you through your options…
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Heathrow Drop Off PCN – Pay or Appeal?
You can appeal a Heathrow Drop Off Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Conditional Offer of Fixed Penalty Notice – Pay or Appeal? UK Laws
It is not always possible to appeal a Conditional Offer of a Fixed Penalty Notice. When it is possible, the motorist will usually need to take the matter to court to have it overturned. Let me explain the process...
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Understanding the Bus Lane Fine 20 Metre Rule
Many motorists believe that entering a bus lane is allowed as long as they remain in the bus lane for less than 20 metres. This is the so-called called the 20 metre rule. But, it is not true. Motorists can always be fined for entering a bus lane. Let me explain...
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How Long Does a Council Have to Issue a Bus Lane Fine?
The council has 28 days to issue a bus lane fine. This can be extended by 14 days if the DVLA is slow to provide the council with the motorist's home address. Let me walk you through the process...
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Speeding Fine Scotland – Should I Pay or Appeal?
You can challenge a speeding fine in Scotland by taking the matter to court. To do this, you need a good reason for the appeal and solid evidence. Let me guide you through the process...
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How to Get Out of a Speeding Ticket
The best way to handle a speeding ticket in the UK is to pay it as soon as possible. You can challenge a speeding ticket by taking it to court. But, this can be costly and there is a very low success rate. Let me explain...
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Should I Pay or Appeal a Bus Lane Fine?
You can appeal a bus lane fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Fixed Penalty Notice Littering Appeal – Do I Pay?
You can appeal a littering Fixed Penalty Notice by taking the matter to court. For it to be successful, you need appropriate grounds for appealing. Let me walk you through your options…
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Bus Lane Fine – Should I Pay or Appeal?
You can appeal a bus lane fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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How to Avoid Paying Bus Lane Fine – Things You Can Do UK
You can challenge a bus lane fine within 28 days of receiving it as long as you have appropriate grounds for appeal. You should not ignore a bus lane fine as further enforcement action could be taken. Let me explain...
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Definition of a Parked Car? UK Laws
A parked car is defined as one that is standing still. A parked car can be occupied or unoccupied. But, there are some distinctions between a parked car and a stopped car. Let me explain...
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Parking Awareness Services Ticket – Do I Pay or Appeal?
A Parking Awareness Services ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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I Can’t Afford to Pay my Fixed Penalty Notice – Things You Can Do
If you can't afford to pay your Fixed Penalty Notice (FPN), you should contact the court that issued the FPN as soon as possible. You should be ready to show the court how much you can afford to pay, or provide a feasible timeline for the payment. Let me walk you through the process...
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NCP Forgot To Pay – What to do next
If you've forgotten to pay your NCP parking fee, you have a 24 hour window to pay online. If you don't pay within 24 hours, NCP will issue a Parking Charge Notice. Let me talk you through the process...
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Asda Parking Rules – Should I Pay or Appeal?
An Asda parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking in Permit Holders Only Fine – Pay or Appeal?
You can appeal a PCN for parking in a 'permit holders only' spot within 28 days of the issue date. To be successful, you need appropriate grounds for appealing. Let me explain...
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Link Parking – Should you Pay or Appeal?
A Link Parking ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Saba Parking Services – Should you Pay or Appeal?
A Saba Parking Services fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Sainsbury’s Parking Fine – Should You Pay or Appeal?
A Sainsbury's parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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GXS Services Ltd – Should I Pay or Appeal?
A GXS Services Ltd fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Park Watch – Should I Pay or Appeal?
A Park Watch fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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CPS Parking Ticket Fine – Should I Pay or Appeal?
A CPS Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Napier Parking – Should I Pay or Appeal?
A Napier Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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New Generation Parking Management – Pay or Appeal?
A New Generation Parking Management parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Bank Park – Should You Pay or Appeal?
A Bank Park parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Gladstones Solicitors Debt – Should You Pay?
Not everyone will need to pay Gladstones Solicitors debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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HX Car Park Management – Should You Pay or Appeal?
A HX Car Park Management parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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What is the 5 Minute Parking Ticket Rule in the UK?
When you are legally parked, you are allowed a grace period before you can be issued with a parking ticket. This grace period is sometimes referred to as the five minute rule, but it is actually 10 minutes. Let me explain...
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PCM Parking – Should I Pay or Appeal?
A PCM Parking parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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ES Parking Enforcement – Should I Pay or Appeal?
An ES Parking Enforcement parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Speeding Ticket Loopholes – Everything You Need To Know
There is one speeding ticket loophole that can prevent prosecution. If you receive a Notice of Intended Prosecution more than 14 days after the alleged offence has been committed, you no longer have to pay the fine. However, there are some exceptions to this rule. Let me explain...
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One Parking Solution – Should I Pay or Appeal?
A One Parking Solution parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Sip Parking Fine – Should I Pay or Ignore It?
A Sip parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Total Parking Solutions – Should I Pay or Appeal?
A Total Parking Solutions parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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First Parking – Should I Pay or Appeal?
A First Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Mobile Speed Camera Rules – What You Need To Know
Knowing mobile speed camera rules could prevent you from a hefty fine. I've outlined what you need to know to avoid this...
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PCN Pay – Do You have to pay
You can appeal a Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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LC Asset 2 SARL on Bank Account – What Now?
LC Asset 2 SARL on your bank statement indicates a payment to a debt collection agency. The agency in question could be Link Financial, Asset Link Capital, or Victoria Asset Finance Ltd. Let me explain in more detail...
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PO Box 8743 Bellshill Debt Letter – Who is it?
PO Box 8743 Bellshill is a return address used by Mackenzie Hall Debt Collection. You should not ignore letters from Mackenzie Hall Debt Collection as further enforcement action could be taken. Let me walk you through your options...
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PO BOX 795 Telford TF7 9GG Letter – Who is it?
PO BOX 795 Telford TF7 9GG is an address used by the Department for Work and Pensions (DWP). You should not ignore a letter from the DWP as further action could be taken against you. Let me walk you through your options...
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County Court Business Centre Claim Form – What To Do Next
After receiving a County Court Business Centre Claim Form, you can either admit guilt, dispute, or apply for more time to consider your situation. To dispute, I'll talk you through how to complete the attached Counterclaim and Defense form…
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County Court Business Centre Parking Fine? Read This
Before paying County Court Business Centre, make sure that the parking debt is yours. If it is, you should contact the CCBC directly to agree upon a repayment plan. Let me walk you through the process...
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Myparkingcharge – Should I Pay or Appeal?
A Myparkingcharge fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Aldi Parking Fine – Should I Pay or Appeal?
An Aldi parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Do Parking Fines Expire in the UK?
Council parking fines don't tend to expire. This is because they follow a strict enforcement procedure. Technically, private parking fines can expire. But, it is not advisable to ignore a private parking fine, because legal action could be taken against you. Let me explain...
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Do Mobile Speed Camera Vans Take Picture Of Driver?
Speed cameras don't tend to capture the driver when taking a photo of a speeding vehicle. It is the responsibility of the registered owner of the vehicle to disclose who was driving when the offence was committed. Let me explain...
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Notice of Intended Prosecution – What Happens Next?
You must respond to a Notice of Intended Prosecution within 28 days of receiving it. If you don't, legal action could be taken. Let me explain the process...
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What Happens If You Lose In Small Claims Court?
If you lose in small claims court, you will be ordered to pay the debt. You may also be liable for any expenses the claimant has suffered as a consequence of taking legal action against you. Let me walk you through your options...
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UK Car Park Management Parking Charge Notice? Read This
A UK Car Park Management Parking Charge Notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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How Long Do Police Have to Issue a Speeding Ticket?
Unless you were given a verbal Notice of Intended Prosecution (NIP) by an officer, you must receive an NIP in the post within 14 days of the alleged offence. If you don't, you cannot be prosecuted. Let me explain the process...
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What Happens if You Ignore a Speeding Ticket?
If you ignore a speeding ticket, further enforcement action will be taken. It's likely that your fine will increase significantly. If you continue to ignore the court, you could be arrested. Let me explain in detail...
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Horizon Parking Fine Scotland – Pay or Ignore?
A Horizon Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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How Long Does a Charging Order on a Property Last?
In England and Wales, charging orders do not expire. A charging order will remain until the debt has been repaid. In Scotland, charging orders expire after 12 years. Let me explain in more detail...
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Speeding Fine Received after 14 Days – What to Do
If you don't receive a Notice of Intended Prosecution within 14 days of the alleged offence, you can no longer be prosecuted. In this case, you won't have to pay the fine or accept any points on your licence. However, there are some exceptions. Let me explain...
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Help with Divorce Fees – What You Need to Know
You may be entitled to financial help with your divorce fees. For example, if you receive state benefits or are earning a low income, you can apply to have court fees waived. Let me walk you through the process...
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Parking Eye Court Summons? What to do next
After receiving a Parking Eye court summons, you can either defend yourself in court or pay the fine. If you ignore the summons, further legal action could be taken against you. Let me walk you through your options...
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Do Bailiffs Work Weekends? Your Questions Answered
Bailiffs do work on weekends. If you have received a Notice of Enforcement, bailiffs may arrive at your property on a saturday. However, they can only arrive at certain times, and there are some exceptions. Let me explain...
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Faulty Speed Camera – Everything You Need To Know
A faulty speed camera may not register the speed of vehicles with the desired accuracy. It is difficult to prove that a speed camera is faulty, but you can take the matter to court. Let me explain the process...
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Premier Park Parking Charge Notice – Pay or Ignore?
A Premier Park Parking Charge Notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Mobile Speed Camera Photo Evidence – What Should You Do?
If you're caught speeding by a mobile speed camera with photo evidence, you will receive a Notice of Intended Prosecution within 14 days. You will then receive a Fixed Penalty Notice (FPN). You can either pay the FPN or take the matter to court. Let me explain the process in more detail...
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Can Bailiffs Take My Car for a Parking Fine?
A bailiff can only seize your car for an unpaid parking fine if you are subject to a court order. However, taking your car is always a last resort. Let me walk you through the process...
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Speeding Fine Appeal Letter Sample for in the UK
In a speeding fine appeal letter you should include your contact details, FPN reference number, the alleged offence, and an explanation of why the FPN should be overturned. Let me illustrate...
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How To Get Out Of A Fixed Penalty Notice
To get out of a Fixed Penalty Notice (FPN), you need strong evidence that it was wrongly issued. If the FPN was issued by the police, you will need to take it to court to have it overturned. Let me walk you through the process...
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Dart Charge Penalty Charge Notice – What You Need To Know
You can appeal a Dart Charge Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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How To Contest A Speeding Ticket
To contest a speeding ticket, you will need to take the matter to court. You will need a good reason for the appeal and excellent evidence to be successful. Let me explain the process...
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CCJ for Parking Ticket – What Are the Laws?
Once you have been issued a CCJ for a parking ticket, you are legally required to pay the fine. If you don't, you could face further debt enforcement action. Let me walk you through your options...
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Penalty Charge Notice or Parking Charge Notice – What’s the difference?
A Penalty Charge Notice is a fine from a local council or transport authority. A Parking Charge Notice is a notice from a private company stating that you owe money because you broke the terms and conditions of using their car park. Let me explain in more detail...
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LCMS Limited – Should You Pay?
Not everyone will need to pay LCMS Limited. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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How to Beat ANPR Parking – What You Should Know
An ANPR parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Can You Get a Parking Ticket While in the Car?
In the UK, you can get a parking ticket whilst you are in the car. But, if you are in a paid-for parking spot, and leave within ten minutes of it expiring, you cannot be issued a parking ticket. Let me explain...
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Are You Owed Money – Should You Pay?
Not everyone will need to pay Are You Owed Money. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Removing Clamp From Car? What You Need To Know
It is an offence to remove a clamp from your car. If you remove a clamp, you could face serious legal repercussions. Let me explain...
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McDonald’s Parking Fine – Pay or Appeal?
A McDonald's parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Ticket Appeal Template – Download, Edit, Send
To appeal a parking ticket, you should send a letter to the council or operator that includes your details, the details of the ticket, your reason for appealing, and evidence. Let me illustrate...
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Are Lidl’s Car Parking Fines Enforceable?
Lidl car parking fines are technically enforceable. But, they can be easily appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Morrisons Parking Fine – Do I have to Pay?
A Morrisons parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Ovo Energy Debt Collection – Pay or Ignore?
You shouldn’t ignore Ovo Energy debt collectors. If you do, further enforcement action will be taken. You should remain in contact with the company and try to agree upon a repayment plan. I’ll walk you through the process…
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Together Energy Debt Collection – Should you Pay?
You shouldn’t ignore Together Energy Energy debt collectors. If you do, further enforcement action will be taken. You should remain in contact with the company and try to agree upon a repayment plan. I’ll walk you through the process…
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BPA Parking Fine – Should you Pay or Appeal?
The BPA doesn't issue fines to motorists. However, the BPA may be contacting you to solve a parking dispute on behalf of a private parking company. Let me explain...
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IPC Parking Fine – Appeal or Pay?
The IPC doesn't give out parking fines. However, it does handle the appeals process for parking fines given by private companies. Let me explain...
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CP Plus Payments – Pay or Appeal?
A CP Plus Payments parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Can bailiffs take a car on finance?
Bailiffs can't take a car on finance. If a bailiff clamps your car, you have two hours to prove that it is on finance. If they take your car anyway, you should talk to a debt specialist. Let me guide you through the process...
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Euro Car Parks Fine Scotland – Pay or Appeal?
A Euro Car Parks fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Smart Parking Fine Scotland – Should You Pay?
A Smart Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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DCBL Parking Fine Scotland – Should You Pay?
A DCBL parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Eye Scotland – Pay or Appeal?
A Parking Eye ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Hellix Ltd – Should You Pay Them?
Not everyone will need to pay Hellix Ltd. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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How to Get Out of Black Horse Finance Debt
You can get out of Black Horse Finance by either paying the remainder of the agreement, or exercising your right to voluntary termination. Let me walk you through your options...
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Parking Fines in the UK – Everything You Need to Know
There are two types of parking fines in the UK. Penalty Charge Notices are issued by the council and are enforceable. Parking Charge Notices are issued by private companies and are not immediately enforceable. But, you shouldn't ignore any parking ticket as you could face legal consequences. Let me explain in more detail...
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Can I Get a Black Horse Finance Payment Holiday?
You may be able to get a Black Horse Finance payment holiday. If you are worried about being able to make a payment, you need to talk to Black Horse to find a solution as soon as possible. Let me walk you through the process...
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Overdales – Everything You Need to Know
Not everyone will need to pay Overdales. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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District Enforcement Appeals – What You Need to Know
A District Enforcement parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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POPLA Appeal – Everything You Need to Know
A POPLA parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Ticket Lawyer – Do You Need One?
You don't need a parking ticket lawyer to appeal a parking ticket. But, a lawyer could be useful if the parking ticket is particularly serious or expensive. Let me walk you through your options...
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How long can a Bailiff clamp my car for?
A bailiff must clamp your car for at least two hours before taking it. If you pay the bailiff within the 2 hours, they will release your car. Let me explain the process...
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Park With Ease – Should You Pay or Appeal?
A Park With Ease parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Penalty Charge Notice Law – Everything You Need to Know
A Penalty Charge Notice (PCN) is a fine served by a local council or Transport for London, as a consequence of a minor motoring offence. For example, you could be served a PCN for a parking contravention or an unpaid toll fare. Let me explain in more detail...
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Minster Baywatch – Should You Pay or Appeal?
A Minster Baywatch parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Fines Not Enforceable in Scotland?
In Scotland, council parking fines are immediately enforceable, whereas private parking fines aren't immediately enforceable. But, a private parking company could start court proceedings against you if you refuse to pay. Let me explain...
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DCBL Parking Fine – Should You Pay?
A DCBL parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Is It Possible To Get My Council Tax Debt Written Off?
Yes, it is possible to get your council tax debt written off under certain circumstances such as financial hardship, mental health, or physical conditions, or via debt solutions like IVAs, bankruptcy, and debt relief orders. Dive in for all the details…
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Parkmaven Appeal – Should you Pay?
A Parkmaven parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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P4 Parking – Should you Pay or Appeal?
A P4 Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Gemini Parking Solutions Appeal – Should you Pay?
A Gemini Parking Solutions parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Met Parking Services – Should you Pay or Appeal?
A Met Parking Services parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Eye Watchdog – What You Should Know
Parking Eye has been investigated by Watchdog over a number of errors relating to their Automatic Number Plate Recognition technology. POPLA, the parking appeals service, has also come under scrutiny by Watchdog. Let me explain what this means for you...
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Vehicle Control Services – Pay or Appeal?
A Vehicle Control Services parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Apcoa Parking Fine – Pay or Appeal?
An Apcoa parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Village Investigations Ltd – Do You Have to Pay?
Not everyone will need to pay Village Investigations Ltd. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Can bailiffs take a car not registered to me?
Bailiffs cannot take a car that isn't registered to you. They can only take things belonging to the debtor. Let me explain the process...
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Gladstones Solicitors Parking Fine – Should You Pay?
A Gladstones Solicitors parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Seat Belt Fine – Do I Pay or Appeal?
To challenge a seat belt fine, you need to take the matter to court. But, these appeals have a very low success rate. The best course of action to take is to pay the fine ASAP or go on a seat belt course if possible. Let me explain...
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Can I pay the council instead of the bailiffs?
You can make a payment directly to the council. However, the bailiff fees will still apply. Let me walk you through the process...
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Horizon Parking Fine – Should you Pay or Appeal?
A Horizon Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Initial Parking – Should you Pay or Appeal?
An Initial Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Eye Appeal – Guide, Laws and FAQs
A Parking Eye fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Check Vehicle Fines – How to view a charge
You can check a Penalty Charge Notice or a Parking Charge Notice online. But, you must have your reference number to hand. Let me walk you through the process...
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Is a default a CCJ? What You Need To Know
A default is not the same as a CCJ. You will get a default notice if you miss a repayment or don't make a full payment. A CCJ is a County Court Judgement. But, you can receive a CCJ as a result of a defaulted payment. Let me explain...
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What Happens to Catalogue Debt when Someone Dies?
After death, catalogue debt becomes the liability of the estate of the deceased. It will only be passed onto someone else if the debt was jointly owned or if someone acted as a guarantor. Let me explain...
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Argos Debt – All You Need to Know
You should repay your Argos debt as soon as possible. If you can’t pay, contact Argos immediately to arrange a feasible repayment plan. Let me walk you through the process…
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Fashion World Debt – All You Need to Know
You should repay your Fashion World debt as soon as possible. If you can't pay, contact Fashion World immediately to arrange a feasible repayment plan. Let me walk you through the process…
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EDF Debt Collectors – Should you Pay?
Not everyone will need to pay EDF Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Ascent Performance Group Debt – Should You Pay?
Not everyone will need to pay Ascent Performance Group debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Credit G Debt – Should You Pay Them?
Not everyone will need to pay Credit G debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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ACT Credit Management Debt – Should You Pay?
Not everyone will need to pay ACT Credit Management debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Churchill Recovery Debt – Should You Pay?
Not everyone will need to pay Churchill Recovery debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Transport for London Penalty Charge – Pay or Appeal?
You can appeal a Transport for London Penalty Charge within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain...
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G24 Parking Fine – Should you Pay or Appeal?
A G24 Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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BW Legal Parking Fine – Pay or Appeal?
Not everyone will need to pay a BW Legal parking fine. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Excel Parking Fine – Should you Pay or Appeal?
An Excel Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Conexus Recovery Debt – Should You Pay?
Not everyone will need to pay Conexus Recovery debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Kearns Solicitors Debt – Should You Pay?
Not everyone will need to pay Kearns Solicitors debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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UK Search VT – What You Need To Know
UK Search VT will appear on your bank statement if you have agreed on payment plan with UK Search Limited, a debt collection agency also known as UKSL. Let me walk you through their debt collection process...
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Sonex Financial Debt – Should You Pay?
Not everyone will need to pay Sonex Financial. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Clearscore Score Bands – What Do They Mean?
In 2021, Clearscore changed their credit score bands. There are now five Clearscore score bands, ranging from poor to excellent. Let me explain what this means for you...
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TNC Collections – Should You Pay?
Not everyone will need to pay TNC Collections. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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EON Debt Collection – Should you Pay
You shouldn’t ignore Eon debt collectors. If you do, further enforcement action will be taken. You should remain in contact with the company and try to agree upon a repayment plan. I’ll walk you through the process…
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We Want to Say Yes – Should You Pay?
Not everyone will need to pay We Want to Say Yes. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Direct Collection Bailiffs LTD – Should You Pay?
Don’t pay Direct Collection Bailiffs LTD unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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Link Financial Harassment? Here’s What to Do
Link Financial are not allowed to harass you. If they call you during unsociable hours, contact your employer, or try to intimidate you in person, you can make a formal complaint. Let me walk you through the process...
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UK Search Limited – Should You Pay?
Not everyone will need to pay UK Search Limited. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Normal Rate Direct Earnings Attachment
The normal rate of direct earnings attachment is set at a maximum of 20%. But, there is a higher rate with a maximum of 40%. Let me explain in more detail...
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Henriksen Limited – Should You Pay?
You might not have to pay Henriksen Limited. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Apply For DRO Online – Step By Step Guide
Applying for a DRO online involves a few key steps, including liaising with an authorised debt advisor who will handle your application on your behalf. Dive in to uncover the full process...
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JD Williams Debt – All You Need to Know
You should repay your JD Williams debt as soon as possible. If you can’t pay, contact JD Williams immediately to arrange a feasible repayment plan. Let me walk you through the process…
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Car Parking Partnership Appeal – What You Need to Know
A Car Parking Partnership fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Should I Pay Euro Car Parks Fine?
A Euro Car Parks fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Very Debt – All You Need to Know
You should repay your Very debt as soon as possible. If you can’t pay, contact Very immediately to arrange a feasible repayment plan. Let me walk you through the process…
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Loqbox Missed Payment – Here’s What To Do
If you miss a Loqbox payment, a report will be sent to credit agencies and your credit score will be impacted. To avoid this, if you are worried about missing an upcoming payment, you should cancel your Loqbox account and retrieve any savings you have. Let me walk you through the process...
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Euro Car Parks Fine – Everything you need to know
A Euro Car Parks fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Private Parking Tickets Court Cases – Examples and Tips
If you ignore a private parking ticket, the company could eventually take you to court. To avoid this, you can either pay or appeal the ticket. Let me walk you through your options...
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Tesco Parking Fine – Pay or Appeal?
A Tesco parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Civil Enforcement PCN – Pay or Appeal?
A Civil Enforcement parking charge notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Group Nexus Parking Charge – Pay or Appeal?
A Group Nexus parking charge can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Fake Parking Ticket – How to spot them
You can receive a fake parking ticket in the post, via email, or one could be placed on your car. If you are suspicious of a parking ticket, you shouldn't send a payment until the ticket can be verified. Let me walk you through the process...
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Parking Fine Loopholes
The only way to get out of a parking ticket is to make a successful appeal. There are a number of loopholes and excuses that you can use as grounds for your appeal. For example, if you only overstayed in the car park by 10 minutes, you could use the grace period loophole. Let me walk you through your options...
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Smart Parking Fine – Should you Pay or Appeal?
A Smart Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Countrywide Parking Appeals – Should You Pay?
A Countrywide parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Lost Parking Ticket? – What to do First
If you have lost a parking ticket, you should contact the issuer as soon as possible to recover your reference number. With a reference number, you will be able to appeal or pay the ticket. Let me walk you through the process...
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Britannia Parking Fine – Should you Pay or Appeal?
A Britannia parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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How long can you be chased for a parking ticket?
How long you can be chased for a parking ticket depends on the type of ticket you have received. If you have been issued a Penalty Charge Notice (PCN) you can be chased for a number of years and legal action could be taken against you if it is ignored. Let me walk you through the process...
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AA Missed Payment – Here’s What To Do
If you miss an AA payment, it's important that you contact AA to discuss your situation as soon as you can. If you don't, your policy could be cancelled. Let me walk you through your options...
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Check Debt Against a Property
The only way to check debt against a property is through the Land Registry. Let me walk you through the process...
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CST Law Letter Before Claim – What You Should Know
A CST Law Letter Before Claim (LBC) is a notice that court action may be taken over a debt. You may receive a CST Law LBC as a consequence of an unpaid private parking fine. Let me walk you through your options...
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How Long Can Energy Companies Chase You for Debt?
Generally, energy companies can chase you for debt for 6 years. However, some types of debt can be written off after 12 months. Let me explain...
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How long can a debt be chased UK?
A creditor can chase a debt for up to 6 years. However, there are some important exceptions to this rule. Let me explain...
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How Many Times Can a Bailiff Visit?
A bailiff can visit your property three times. You will receive a Notice of Enforcement at least 7 days before the first visit. Additionally, the bailiff must leave at least 7 days in between each visit. Let me walk you through the process...
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Themis Recoveries Debt – Should You Pay?
You might not have to pay Themis Recoveries. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Average Personal Debt in the UK
As of March 2022, the average personal debt in the UK was £33,410. However, average personal debt can vary significantly depending on age, gender, and region. Let me explain...
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UKPC Parking Fine – Pay or Appeal?
A UKPC parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Do You Have to Pay Parking Eye Fines?
A Parking Eye fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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NCP Appeals – Should You Pay or Appeal?
An NCP parking ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Euro Car Parks Appeal – Guide and FAQs
A Euro Car Parks fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Direct Line Missed Payment – Here’s What To Do
If you have missed a Direct Line payment, you can expect to receive a reminder. If you can't pay, you should contact support as soon as possible to come to a repayment agreement. Let me walk you through the process...
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How to Clear Debt on Electric Meter – Step by step guide
To clear debt on your electric meter, you simply top up your prepaid card and slot it into the meter. A proportion of the balance will go towards repaying your debt. If you can’t pay, contact your provider to come to a repayment agreement. I’ll walk you through the process…
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EE Missed Payment – Here’s What To Do
If you miss an EE payment you should contact EE to avoid further enforcement action. Let me walk you through your options...
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Spring Parking – Should You Pay or Appeal?
A Spring Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Highview Parking – Pay or Appeal?
A Highview Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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National Parking Enforcement – Should You Pay or Appeal?
A National Parking Enforcement ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Admiral Missed Payment – Here’s What To Do
If you miss an Admiral payment, it's important that you contact Admiral as soon as possible to discuss repayment. If you don't, Admiral may cancel your policy, or take further action against you. Let me walk you through your options...
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Do I Have to Pay a Parking Charge Notice?
A parking charge notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Ticketmaster Missed Payment – Here’s What To Do
If you miss a Ticketmaster payment, your purchase could be cancelled. To avoid this, you need to make a payment within 14 days. Let me walk you through the process...
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Good Excuses for Parking Ticket Appeals
There are a number of good excuses for parking ticket appeals. For example, you may believe that the ticket was issued incorrectly, or perhaps the road signs were unclear. Let me walk you through your options...
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Klarna Can’t Pay – What You Need To Do
If you can’t pay your Klarna debt, you should contact Klarna as soon as possible. Buy Now Pay Later schemes often provide customers with extensions or feasible repayment plans. Let me explain the process…
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Klarna Debt Collection – Should you Pay?
Before you pay a Klarna debt collection agency, you should check that the debt is yours. If the debt is yours, you need to discuss repayment options with the agency as soon as possible. Let me walk you through the process…
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Klarna Missed Payment – Should you Pay?
If you miss a Klarna payment, you should settle the debt immediately. If you cannot pay, contact Klarna. Buy Now Pay Later schemes often provide customers with extensions or feasible repayment plans. I’ll talk you through the process…
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Clearpay Missed Payment – Should you Pay
If you miss a Clearpay payment, you should settle the debt immediately. If you cannot pay, contact Clearpay. Buy Now Pay Later schemes often provide customers with extensions or feasible repayment plans. I’ll talk you through the process…
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Do Klarna Send Letters? What To Expect
Klarna may send you a letter if you miss a payment and don't respond to texts or emails. It's important that you respond to a letter from Klarna to prevent a debt collection agency getting involved. Let me explain...
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Why Is My Clearpay Account Frozen?
If you miss an installment payment, Clearpay will freeze your account immediately. Clearpay will contact you the following day to come to a solution. It's important that you respond to Clearpay to prevent further action. Let me walk you through the process...
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Vodafone Missed Payment – Here’s What To Do
If you miss a Vodafone payment, you should pay as soon as possible. If you are unable to pay, you should contact Vodafone to avoid further enforcement action. Let me walk you through your options...
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Brent PCN – Should you Pay or Appeal?
You can appeal a Brent Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Camden PCN – Pay or Appeal?
You can appeal a Camden Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Bexley PCN – Pay or Appeal?
You can appeal a Bexley Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Barnet PCN – Should you Pay or Appeal?
You can appeal a Barnet Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Can I Transfer Catalogue Debt to a Credit Card?
You can transfer catalogue debt to a credit card. By doing so, you may benefit from a lower interest rate, and fewer monthly payments. Let me explain...
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Zilch Missed Payment – Should you Pay?
If you miss a Zilch payment, you should settle the debt immediately. If you cannot pay, contact Zilch. Buy Now Pay Later schemes often provide customers with extensions or feasible repayment plans. I’ll talk you through the process…
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Ealing pay PCN – Should you Pay or Appeal?
You can appeal an Ealing Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Haringey PCN – Should you Pay or Appeal?
You can appeal a Haringey Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Hammersmith and Fulham PCN – Pay or Appeal?
You can appeal a Hammersmith and Fulham Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Croydon parking fines – Pay or Appeal?
You can appeal a Croydon parking fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain...
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Kensington and Chelsea PCN – Pay or Appeal?
You can appeal a Kensington and Chelsea Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Redbridge PCN – Pay or Appeal?
You can appeal a Redbridge Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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What Happens if You Don’t Pay Klarna?
If you can't pay your Klarna debt, you should contact Klarna as soon as possible. Buy Now Pay Later schemes often provide customers with extensions or feasible repayment plans. Let me explain the process…
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Birmingham PCN – Pay or Appeal?
You can appeal a Birmingham Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Kingston PCN – Should you Pay or Appeal?
You can appeal a Kingston Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Westminster PCN – Should you Pay or Appeal?
You can appeal a Westminster Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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What happens if I don’t pay my electric bill?
If you don't pay your electric bill, your supplier could install a prepayment meter, or even pass your details onto a debt collection agency. If you can't pay your bill, you should contact your supplier to agree upon a repayment plan. Let me walk you through your options...
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Newham PCN – Pay or Appeal?
You can appeal a Newham Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Lewisham PCN – Should you Pay or Appeal?
You can appeal a Lewisham Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Are Private Car Park Fines Enforceable?
Private car park fines are not initially enforceable. But, a private parking company could take you to the small claims court if you refuse to pay or respond. Let me explain...
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Wilson & Roe High Court Enforcement – Should you Pay?
Don’t pay Wilson & Roe High Court Enforcement unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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Does a Parking Ticket Have to be Placed on the Car?
A parking ticket does not have to be placed on your car. Both Penalty Charge Notices and Parking Charge Notices can be sent in the post. Let me explain the process...
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Parking Fines on Private Land – What you need to know
Parking fines on private land can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Charge Notice Ignore? What’s the Law
You shouldn't ignore a Parking Charge Notice. If you do, the company may try to take further enforcement action against you. Let me walk you through your options...
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How Long Can a PCN Be Issued After the Offence?
The local council has 28 days to issue a PCN. However, this time-frame can be extended in some circumstances. For example, if the DVLA are delayed in providing your address. Let me explain in more detail...
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How to Pay Off Catalogue Debt?
You can pay off catalogue debt in several different ways. For example, you could make an informal agreement with the catalogue, consolidate your debts, or pay a reduced lump sum settlement. Let me explain your options...
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Do Parking Tickets have to be Issued Within 14 days?
Private parking tickets should be issued within 14 days. But, the council has 28 days to issue a Penalty Charge Notice. Let me explain...
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Wrong Registration Number on PCN
If you receive a PCN with the wrong registration number, you should check that the PCN is yours. If it is yours, you will still need to pay the PCN despite the error. Let me explain...
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Bus Lane Penalty Charge Notice
You will receive a Penalty Charge Notice (PCN) if you drive in a bus lane. You should either accept the fine or challenge the PCN within 28 days of its issue date. If you ignore a PCN, further enforcement action could be taken. Let me walk you through the process...
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Lost PCN Number? What To Do Next
If you lose your PCN number, you should contact the PCN issuer as soon as possible. You need the PCN number to pay or appeal the PCN. Let me explain in more detail...
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Appeal PCN – What You Need To Know
You can appeal a PCN within 28 days of receiving it. To do so, you need appropriate grounds for appeal and good evidence. Let me explain...
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Check car penalty online – Steps by step guide
There is no way to check if you have a penalty notice online. If you believe you have an unpaid penalty notice, you should contact your local council. Let me explain in more detail...
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PCN Appeal Letter Template – Free Sample
You can appeal a PCN within 28 days of receiving it. To do so, you need to write an appeal letter, also called a representation. The letter should include a detailed explanation of why you are challenging the PCN and any evidence you have. Let me explain in more detail...
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Can HMRC Take My House? What You Need To Know
HMRC will not take your house to pay off your debt. But, HMRC may be able to recover your debt from any property sale. Let me walk you through your options...
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Can HMRC Debts Be Written Off?
It is possible to get HMRC debts written off. But, it is quite uncommon. To be successful, you will need to either use a debt solution or have a valid reason for write off, such as illness. Let me walk you through your options...
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What Happens if I Can’t Pay My Overdraft?
If you can't pay your overdraft, the amount you are overdrawn will continue to accrue interest and grow. But, there are lots of ways to manage overdraft debt. Let me walk you through your options...
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Consequences of Not Paying Phone Contract
If you don't pay your phone contract, you could be disconnected from the service and chased by debt collectors. If you continue to ignore the debt, you could even face legal action. Let me walk you through your options...
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My Son is in Debt How Can I Help?
If your son is in debt, the most important and practical way to help him is to put him in touch with debt advice. It is also vital that you are as supportive and positive as possible. Let me walk you through your options...
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How Does Debt Write Off Work?
A debt write off is when a creditor agrees that you no longer need to pay a debt. This can happen if a debt becomes too old to be enforced, or if you can prove that you are unable to pay. Let me walk you through your options...
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Can I get my Energy Debt Written Off?
It might be possible to get your energy debt written off. But, it's more likely that your energy supplier will agree to a feasible repayment plan. Let me walk you through your options...
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Can a Written Off Debt be Reinstated?
Yes, a written off debt can potentially be reinstated, particularly if it was written off due to your financial situation and not due to exceeding the limitation period. Stay tuned for more…
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How does a Debt Management Plan Affect Your Mortgage?
When you enter a Debt Management Plan (DMP), your mortgage payments are included as essential expenses. But, you may run into some difficulty if you want to switch mortgages, or take out a mortgage, during your DMP. Let me explain...
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Home Reversion Plan Calculator – How It Can Help You
A home reversion plan calculator can assist you in understanding the potential funds you could unlock from your home and the associated costs via a home reversion scheme. Dive in to discover more…
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The Best Home Reversion Companies – Overview & Tips
The best home reversion companies in the UK are Hodge Lifetime, Crown Equity Release, Newlife, and Bridgewater Equity Release. Dive in to discover more…
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The Best Lifetime Mortgage Providers – Overview & Best Options
A lifetime mortgage equity release allows senior homeowners to leverage the value of their property as a loan, which is repayable once they move into long-term care or pass away. Keep reading to understand this further and discover the top lifetime mortgage providers in the UK.
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Selling Home to Pay for Care – What You Should Know
Selling your home to cover care home costs is not always necessary, as the UK offers several means of support like the Deferred Payment Agreement. Read on for more insights...
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Shared Ownership Equity Release – Overview & More
Equity release can be used on a property with shared ownership. But, both homeowners must meet the eligibility requirements for equity release. Let me walk you through the process...
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Guide on How to Delete Your Very Account: Closing Steps
You can delete your Very account via the Very website, or through your email. Let me walk you through the process...
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Equity Release Reviews
Equity release is a method of borrowing against the equity in your home. It is a popular borrowing method in the UK, but it does receive mixed reviews. Let me explain...
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Equity Release with an Existing Mortgage? Complete Guide
Yes, you can get equity release with an existing mortgage, albeit under certain conditions and often with the stipulation that part of the released equity goes towards settling the existing mortgage debt. Intrigued? Dive in to find out more.
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Equity Release to Help Children – Complete Guide
Yes, equity release can be a powerful tool to financially assist your children, whether to facilitate home ownership, support their education, or even start a business. Read on and let's delve into the details.
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Can I Get Equity Release with an IVA? FAQs & Tips
Yes, you can get equity release with an IVA, but it's complex and fraught with challenges that require careful consideration. Keep reading to navigate the maze of equity release and IVAs effectively.
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‘firstclear ltd ‘ on Bank Statement – Who Are They?
Firstclear Ltd is a financial provider that manages the payments made between your bank account and your betting account. Let me explain...
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Equity Release on Jointly Owned Property? Complete Guide
You can release equity on a jointly owned property. But, both owners must agree to do so. Let me walk you through the process...
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Equity Release with Repayment Option – What You Should Know
Yes, it is indeed possible to get equity release with a repayment option, allowing you to control the growth of the loan over time. Read on for an in-depth guide on this often overlooked aspect of equity release.
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Equity Release Companies – Best Options Reviewed
If you’re keen to understand more about equity release plans, you’ve come to the right place. Here, we’ll delve into the top 10 equity release companies of 2023. We’ll answer common queries like: We know that the world of equity release can feel a bit confusing. It’s a big decision to make, but don’t worry; […]
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What Is the Alternative to Equity Release if You’re Under 55? Guidance & more
If you're under 55, you cannot enter into any equity release programs. But, you can consider alternatives, such as second charge mortgages. Let me walk you through your options...
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How Much Does Equity Release Cost? Complete Analysis
The cost of equity release is a complex composition of the plan's fees, arrangement costs, and additional hidden charges, which can often be overlooked. Continue reading to uncover the full spectrum of equity release costs and make a more informed decision.
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Equity Release Solicitors Fees – How Much Will It Cost Me?
Equity release solicitor fees are usually around £1000 including VAT. However, prices will vary considerably depending on the law firm and your specific application. Let me walk you through your options...
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Disadvantages of Equity Release – What You Should Know
Equity release schemes are popular in the UK, but there are some disadvantages. For instance, equity release schemes are expensive in the long term, and there are significant early repayment charges. Let me walk you through the details...
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Release Equity to Buy Second Property – Is It a Good Idea?
It is possible to release equity to buy a second property. But, whether it's a good idea or not will depend on a number of factors, including, but not limited to, your age, budget, and the type of equity release scheme you plan to use. Let me walk you through your options...
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Equity Release Rules – What You Need To Know
Equity release plans are only available to people over 55 years old. As a rule, you also must be releasing equity from your main residence with valuation of at least £75,000. Let me explain...
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Short Term Equity Release – Should You Do It?
Short-term equity release, although seemingly contradictory, may be possible under certain circumstances like an enhanced lifetime mortgage for those with a short prognosis. Curious? Let's dive in...
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Can you Remortgage a Buy to Let to Release Equity? Guide
You can remortgage a buy-to-let property in order to release equity. In fact, it is considered an effective method to access a large amount of money at a competitive interest rate. Let me walk you through the process...
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What is Drawdown Equity Release? Overview, FAQs & Tips
Drawdown equity release refers to when the homeowner receives their home equity in installments, rather than in one large lump sum. But, to take out a drawdown equity release plan, you need to meet strict eligibility criteria. Let me walk you through the details...
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Equity Release Examples
Equity release schemes are available to older homeowners as a method of borrowing money against their home equity. There are a number of different equity release schemes, each with its own set of pros and cons. I'll walk you through them...
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Mis-Sold Equity Release Schemes – What you Should Know
There are a few tell-tale signs that indicate you are being mis-sold an equity release scheme. For example, if a creditor doesn't fully explain interest charges or discuss inheritance tax implications, you should avoid working with them. Let me explain...
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Equity Release Calculator – Work Out How Much
An equity release calculator is a helpful online tool designed to provide a projection of the costs associated with a lifetime mortgage over a specified period. Read on to explore its functionality and discover whether you should consider using one.
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Pros and Cons of Equity Release – Complete Analysis
Equity release offers a path for senior homeowners to access a tax-free lump sum or drawdown facility, although its benefits and drawbacks must be carefully considered. Dive in to discover more...
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Can You Get Equity Release on a Flat? – All You Need to Know
Yes, it is indeed possible to get equity release on a flat in the UK, whether it's freehold or leasehold. Keep reading to navigate the intricacies of equity release on flats and how it could work for you.
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Equity Release and What Happens After Death – Updated Rules
Once the debtor has died, the equity release loan will need to be repaid. Once the property has been sold, the creditor will take the money owed to them. Let me walk you through the process...
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PO Box 17 Stockport SK1 4AJ Debt Letter – Who is it?
PO Box 17 Stockport, SK1 4AJ is an address used by Moorcroft Debt Recovery, a legitimate debt recovery agency. You shouldn't ignore correspondence Moorcroft Debt Recovery. Let me walk you through your options...
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Secured Loans – A Comprehensive Comparison
Secured loans, when compared thoughtfully, can offer the potential for lower rates and manageable repayments, making them a viable financial strategy for some. Let me walk you through the options...
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Finding The Best Second Mortgage Rates This Year
Second charge mortgage interest rates can vary from 2% to 20%. To get the best rate, you should be able to prove that the loan is affordable, and have an excellent credit rating. Let me walk you through your options...
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Loans Secured on Property – How to & best Options
Yes, you can indeed secure loans on property, offering you a variety of financial options to choose from. Let me walk you through the process...
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Secured Loans for People With Bad Credit
Secured loans are indeed a viable option for individuals with bad credit, offering a financial lifeline by leveraging an owned asset as collateral. Let me walk you through it...
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Government Home Improvement Loans – Are They Legitimate?
Government home improvement loans are available through local authorities and are usually interest-free. But, the type of loan available to you will depend on your circumstances and your home improvement plans. Let me walk you through your options...
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How Much You Can Borrow for a Second Mortgage: Explained
Second Charge Mortgage providers usually cap the amount of equity that you can borrow against at 85%. But, there are some exceptions. Let me walk you through your options...
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Personal Loan for Home Improvement – In-depth Guide
A personal loan can be a viable way to finance your home improvement projects, depending on your eligibility and personal circumstances. Let's dive deeper into this topic to find the best fit for you.
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Best Home Improvement Loans – Complete Review
The best home improvement loans offer competitive rates and flexible terms to help you finance your renovation projects. Keep reading to explore your options.
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Can I Use a Home Equity Loan to Buy Another House?
You can use a Home Equity Loan to buy another house. But, you will need to prove that you can still repay the initial home equity loan, in addition to the second home mortgage. Let me walk you through the process...
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Freeing up Equity in Your Home – Step-by-Step Guide
Equity in your home can be unlocked through various methods, such as home equity loans, remortgaging, or using a lifetime mortgage. Delve in to discover how.
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Home Equity Loan Companies UK – How to Get Credit
You can get a home equity loan from banks, building societies, and financial institutions operating online only. It's important that you only consider businesses that are regulated by the Financial Conduct Authority. Let me walk you through your options...
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Home Equity Loan Calculators – Work Out How Much
Home equity loan calculators help you to work out what your monthly payment might look like, considering how much you want to borrow, and how long you need to repay it. Let me walk you through the process...
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Home Equity Loan Interest Rates – Complete Analysis
Home equity loans tend to have an interest rate of between 2% and 9.9%. However, this will vary significantly depending on your loan to value ratio, credit score, and your chosen lender. Let me explain...
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‘eui ltd prem tr’ Bank Statement – Who Are They?
EUI Ltd – Prem TR is a debt recovery team. If you see EUI Ltd – Prem TR on your bank statement, it's likely that you owe EUI Ltd, or one of their customers. Let me walk you through your options...
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Debt Consolidation Loans for People With Bad Credit
Debt consolidation loans are an effective solution for individuals with bad credit in the UK, offering a chance to streamline and manage your existing debts. Read on to discover your options and how to navigate this process.
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How Do I Qualify for a Debt Consolidation Loan
The path to managing your debts can seem long and winding. But, a debt consolidation loan might be the tool you need to bring all your debts together, making it simpler to tackle your money worries. Qualifying for one, however, requires understanding certain factors. This guide aims to illuminate these for you. In this article, […]
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Unsecured Debt Consolidation Loans for Bad Credit
Unsecured debt consolidation loans for bad credit are viable financial solutions designed to streamline and manage multiple debts. Keep reading to explore your options and navigate this often complex landscape.
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What Happens to Tax Debt After Death?
After death, HMRC will collect any tax debt from the deceased's estate. However, there are a few notable exceptions. Let me explain...
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What are the Pros and Cons of Debt Consolidation
Debt consolidation is the process of combining multiple debts into one. It is a popular method of debt management method in the UK, but it isn't right for everyone. Let me walk you through the pros and cons...
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How Far Back Can Tax Credits Claim Overpayments?
It is unlikely that HMRC will stop chasing you for tax credits overpayments. But, you can dispute the overpayments. Let me walk you through the process...
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Can Councils Backdate Council Tax? How Far Can They Go?
In England and Wales, councils generally backdate tax for up to six years. In Scotland, councils may backdate tax for up to 20 years. But, there are some notable exceptions to these rules. Let me explain...
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Council Tax Summons Procedure – Step by Step
The council tax summons procedure is strict. Before being summoned to court, you should receive three letters from your local authority, asking that you pay your debt. If you don't respond, a liability order could be issued against you. If you continue to ignore your debt, further enforcement action will be taken. Let me walk you through your options...
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Paying Council Tax Late – What Are The Consequences?
If you pay your council tax late, you can face a series of consequences including reminders, court actions, and ultimately, potential prison time. Keep reading to fully understand the process and prevent unwanted repercussions.
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How Long Can a Council Tax Debt Last? – Overview & FAQs
A Council Tax debt in the UK can persist for up to six years in England and Wales, and up to 20 years in Scotland, before becoming unenforceable by law. Read on, let's delve deeper...
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How to Avoid Council Tax?
Some people can avoid paying council tax. For example, college and university students are often exempt. But, if you are exempt, you will need to submit evidence to the council. Let me walk you through the process...
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Can’t Afford Council Tax – Here’s What You Can Do
If you find yourself unable to afford your council tax, options such as restructuring your payments, applying for a council tax reduction, or even certain exemptions could provide relief. Keep reading to learn more…
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Council Rent Arrears – Detailed Guide, FAQs & Tips
If you are in council rent arrears, your local authority will contact you and request that you pay what you owe. If you ignore these notices, you could end up being evicted. Let me walk you through your options...
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Council Tax Arrears Debt – What Are Your Options?
Council tax arrears can be managed through various options such as negotiation, repayment plans, and in some cases, may even be written off. Keep reading for a comprehensive guide on your options for dealing with this type of debt.
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How to Stop Council Tax Bailiffs
Council tax bailiffs can be stopped by clearing your debt promptly or agreeing on a feasible repayment plan before an enforcement agent intervenes. Dive in to discover more...
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Can you get a CCJ for Council Tax?
You cannot get a CCJ for council tax. But, you can be issued a Liability Order. Let me walk you through your options...
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Council Tax and Prison – Risks, FAQs and Tips
You can be sent to prison for up to 90 days if you refuse to pay council tax debt. But, this is usually a last resort. Let me walk you through the process...
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Attachment of Earnings for Council Tax – Guide
An Attachment of Earnings for Council Tax is a method applied by local authorities to enforce debt recovery by deducting a certain percentage of the debtor's wage until the full debt is paid off. Intrigued? Read on...
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Liability Order Council Tax – What is it and What to do?
A Liability Order provides the council with the power to collect council tax debt in a number of different ways, including using enforcement agents or a charging order. Let me walk you through your options...
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Freeze Credit Card Interest – Simple Guide & FAQs
You may be able to freeze your credit card interest if you are experiencing financial hardship. But, you will need to provide your creditor with convincing evidence and potentially agree to a repayment plan. Let me walk you through the process...
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How to Check if I Have a CCJ for free
You can check if you have a CCJ for free by getting a copy of your credit report. You could also use the CCJ register, but this process is a bit more complicated. Let me explain...
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Setting Aside a CCJ – Simple guide, FAQs, Tips & More
You can apply for your CCJ to be set aside by completing an N244 form. However, you need a very good reason for your application to be successful. Let me walk you through your options...
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I Can’t Afford to Live on My Wages – Guidance & Tips
If you cannot afford to live on your wages in the UK, you should contact your local council and energy suppliers to negotiate lower bills. You could also use food banks and get free financial advice from charities. Let me walk you through your options...
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Is PIP Classed as Income? UK Tax Laws
PIP is a type of income, but it is not taxable. You do not need to pay tax on any PIP you receive. Let me explain...
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What Happens if You Don’t Pay Your Water Bill?
If you don't pay your water bill, legal action could be taken against you. But, this is usually a last resort. Let me walk you through your options...
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Direct Earning Attachment (DEA) Impacts & Guide
A Direct Earnings Attachment (DEA) is used to recover tax credit and benefit overpayments directly from your wages. If you are experiencing financial hardship, you can ask for a reduced fixed rate. Let me walk you through your options...
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Attachment of Earnings Rates
Your Attachment of Earnings rate will depend on your take-home pay and disposable income. Let me explain...
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What Happens if You Don’t Pay a Small Claims Judgement?
If you ignore a small claims judgement, further enforcement action could be taken. For example, bailiffs could seize your goods. But, it is possible to appeal a small claims judgement. Let me walk you through your options...
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How to Get out of Car Finance – Step by Step Guide
Getting out of car finance is possible through voluntary termination or by making an early settlement offer. Let's explore further...
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What Is a CCA? – Simple Guide, FAQs & Tips
The CCA (Consumer Credit Act) works to protect the rights of customers who take out any kind of credit. You can request a copy of your CCA agreement at any time. If your creditors don't provide the agreement, your debt may not be enforceable. Let me explain...
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Comprehensive Guide to Selling a Financed Car
You cannot sell your car on finance. If you do so, you could face serious legal action. Let me walk you through your options...
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Notice of Default – Simple Guide, FAQs, Tips & More
A Notice of Default is a formal communication from your creditor, indicating that you've fallen behind on repayments and your account may default soon. Keep reading to learn more...
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Car Repossession in the UK – Complete Guide
You could face car repossession in the UK if you default on your repayments. But, this is a last resort. Let me walk you through the process...
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What Does Adverse Credit Mean? Quick Answer
Adverse credit means that you have repeatedly failed to meet repayments on credit cards or loans. Adverse credit will remain on your credit report for 6 years. But, there are ways to improve your score in the meantime. Let me walk you through your options...
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Notice of Sums in Arrears (NOSIA) All You Need To Know
A Notice of Sums in Arrears is a letter from your loan provider to let you know that you have missed at least two repayments and a sum is now due. If you receive a NOSIA, you should consider a debt solution. Let me walk you through your options...
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Does Overdraft Affect Credit Score? – Simple Guide
If you use an unarranged overdraft, it will negatively affect your credit score. But, if you use an arranged overdraft sensibly, you could end up increasing your credit score. Let me explain...
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How to Get a Default Removed from your Credit File?
A Default can be removed from your credit file if sufficient time has passed or an error has occurred. Let me explain...
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Handling Bankruptcy with No Assets in the UK
It is possible to go bankrupt with no assets. However, you will need to pay to apply and this can be costly. Let me walk you through your options...
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What is the County Court Business Centre? Quick Answer
The County Court Business Centre is the central point for county courts across England and Wales. It handles administrative processes and claims, including appeals. Let me explain...
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Bailiffs and Mental Health – All You Need To Know
If you have mental health problems, a bailiff is required to follow certain guidelines. For example, they cannot visit your house when you are home alone. But, you have to notify the enforcement agency of your mental health problem as soon as possible. Let me walk you through the process...
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County Court Bailiff Warrant of Possession – Quick Summary
A County Court Bailiff Warrant of Possession allows a landlord to evict a tenant from their property. The landlord must apply to the court for a possession order. Let me explain the process...
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Do Bailiffs Need a Court Order? – In-Depth Guide, FAQs, Tips & More
Bailiffs do need a court order to collect debt. You should be given seven days warning before a bailiff arrives to collect your debt. Let me walk you through the process...
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County Court Bailiff Fees
County Court Bailiffs follow a 3-step process to recover debt. First, they provide a Notice of Enforcement. This has a £75 fee. Next, they will come to your address. This costs at least £235 in fees. Finally, the bailiff will seize goods. This costs at least £110 in fees. Let me explain in more detail...
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Will a Satisfied CCJ Affect My Credit? Pay Off Debt?
A satisfied CCJ will stay on your credit report for six years if you didn't pay within one month. However, lenders will be able to see that you have paid the CCJ in full. Let me explain...
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Does a Warrant Need to Be Signed? Court Laws Explained
Before collecting your debt, a bailiff has to show you a signed and dated warrant. They may also show you a High Court Writ instead. Let me walk you through the process...
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Write off After Death – Sample Letter Template for Creditors
It may be possible to write off someone's debt after their death. To do so, a letter that explains why debt write off is appropriate must be sent to the creditor. Let me illustrate...
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Freeze Interest on Credit Cards – Sample Letter Template
You may be able to freeze your credit card interest if you are experiencing financial hardship. But, you will need to write a letter to your creditor and provide convincing evidence. Let me illustrate...
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Full and Final Settlement Offer – Sample Letter Template
To make a Full and Final Settlement offer, you need to write to the creditor, stating clearly the amount you are willing to pay. Let me illustrate...
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Complain to Your Lender – Sample Letter Template
If you have experienced harassment or irresponsible lending practices, you should complain to your lender. To do so, you need to send an official letter. Let me illustrate...
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Complaining to Debt Collectors that you do Not Owe – Letter
Asserting that a debt isn't owed to debt collectors can be done effectively with a well-crafted 'prove the debt' letter. Read on, let's get started...
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Creditor Harassment Sample Letter Template
Our creditor harassment letter template empowers individuals and couples to combat incessant calls, texts, and visits from their creditors, in line with the law. Here's how it works…
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Statute Barred Debt Sample Letter Templates
Your debt is statute-barred if six years has passed since the last default notice was sent. If you believe that your debt is statute barred, you should notify your creditor by letter. It should contain any evidence that proves your debt is no longer enforceable according to the 1980 Limitations Act. Let me illustrate...
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Tell a Bailiff That You Are Vulnerable – Letter Template
If you are vulnerable, a bailiff is required to follow strict guidelines. For example, they cannot visit your house when you are home alone. But, you will need to send a letter to the enforcement agency, explaining your situation. Let me walk you through the process...
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Negotiating With Your Creditor – Sample Letter Templates
Negotiating with your creditors can be a streamlined process with the use of the right letter templates, as illustrated in this post. Dive in to find out more…
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Dealing with Bailiffs – Letter Templates
Dealing with bailiffs can be managed more efficiently and with less stress using our tailored letter templates. Let's get started...
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Debt Repayment Tracker – Free Downloadable Spreadsheet
A debt repayment tracker plans out all debt repayments until the debt is completely paid. They are a very useful resource and can be used for many years. Let me illustrate...
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Coronavirus Piggy Bank – April Fools
The Coronavirus Piggy Bank not only encourages saving, but also disinfects your money using ultraviolet light technology. Intrigued? Read on!
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Free Snowball Debt Calculator
The snowball debt method is a way of paying your debt off methodically, from smallest to largest. A snowball debt calculator will work out in which order you should pay your debts. Let me illustrate...
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Leaving the UK with Debt
If you leave the UK with debt, your creditors can no longer chase you. But, they can enlist a foreign debt collection agency to chase the debt, or seize any assets you leave behind. Let me explain...
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The best Budgeting Apps – Emma vs YNAB, etc
Budgeting apps can be a great resource to help you manage your personal finances. But, it's important to review all of their services and costs before committing to one. Let me walk you through the 7 best budgeting apps...
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How much debt is too much? UK Stats
If you have debts that lie between 43% and 50% of your annual income, this is considered to be too much. Any debt over 50% of someone's income is considered to be high risk. Let me walk you through your options...
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How to Get Your Water Bill Debt Written Off
It is possible to get a portion of your water bill debt written off. To do so, you will need to reach out to your water provider and explain the situation. You could negotiate a favorable repayment scheme, or even offer a reduced lump sum. Let me walk you through your options...
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Debt over 10 years old in the UK – Can You Be Chased? Laws
You may not have to pay debt that is over 10 years old in the UK. But, you shouldn't ignore debt in the hope that it'll be written off. If you do, legal action could be taken against you. Let me walk you through your options...
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Debt assigned to a CAIS member – What To Do?
When your debt is assigned to a CAIS member, it indicates that your original creditor has sold your debt to a collection agency. Read on to navigate this situation effectively.
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Borrow from Retirement Funds to Pay Debt? UK Guide
Borrowing from your retirement funds to pay off debt is possible in the UK, but it comes with significant considerations and potential drawbacks. Stay with me, as we delve into this complex issue.
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Can the same debt be defaulted twice? Quick Answer
Normally, the same debt cannot be defaulted twice. But, there are some circumstances that can lead to a double default. Let me explain...
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Can I get stopped at an airport for debt in the UK?
In the UK, you cannot get stopped, detained, or arrested at the airport for debt alone. But, if you are moving to a different country, you should resolve unpaid debts before leaving. If you don't, you could face serious consequences. Let me explain...
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Zenith Collections – Beat Debt Collectors (Guide, FAQs & More)
You might not have to pay Zenith Collections. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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ZZPS Debt Collection for Parking Fines – Should You Pay?
You might not have to pay ZZPS Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Deed of Assignment of Debt – Everything You Need to Know
A Deed of Assignment of Debt is used to notify a debtor that a creditor has passed their case onto a debt collection agency. If you receive a Deed of Assignment, you should contact the debt collector as soon as possible to discuss repayment. Let me walk you through the process...
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Vodafone Debt Collection – Should You Pay?
You might not have to pay Vodafone Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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UKSL Debt (UK Search Limited) Should You Pay?
You might not have to pay UK Search Limited (UKSL). But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Scottish Power Debt Collectors – Should You Pay?
You shouldn’t ignore Scottish Power debt collectors. If you do, further enforcement action will be taken. You should remain in contact with the company and try to agree upon a repayment plan. I’ll walk you through the process…
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IMFS Debt Collection – Should You Pay?
You might not have to pay IMFS Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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ICB Debt (Insurance Collections Bureau) – Should You Pay?
You might not have to pay ICB debt. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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HSBC Debt Collection Agency – Do You Need to Pay?
You might not have to pay HSBC Debt Collection Agency. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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HMRC Debt Collection Process Explained – Do You Have to Pay?
You might not have to pay HMRC Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through the process…
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EE Debt Collection – Do You Have to Pay?
You might not have to pay EE Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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DVLA Debt Collection Agencies Guide – Past Due, Capital Resolve, etc
The DVLA relies on several different debt collection agencies, including, but not limited to Past Due, Capital Resolve, Advantis Credit Ltd, and Bluestone Consumer Finance Limited. Let me walk you through the DVLA debt collection process...
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Cobra Financial Debt Collection – Do You Need to Pay?
You might not have to pay Cobra Financial Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Can debt collectors find my new address? Quick Answer
It is very easy for debt collectors to find your new address. For example, paychecks can be used to track your address. Let me walk you through your options...
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CLI International Debt Collectors – Should You Pay?
You might not have to pay CLI International Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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British Gas Debt Collection Agency – Should You Pay?
You might not have to pay British Gas Debt Collection Agency. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Bluestone Debt Credit Management, HMRC – Should You Pay?
Not everyone will need to pay Bluestone Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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ACI Debt (Asset Collections & Investigations) Should You Pay?
You might not have to pay ACI Debt. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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O2 Debt – Do You Have to Pay?
You may not have to pay O2 Debt. But, if you ignore it, you could face serious consequences. Let me walk you through your options...
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‘Newlands House, Caxton Way, Eastfield Scarborough’ Debt Info
Newlands House, Caxton Way, Eastfield Scarborough is the address of Henriksen Limited, an international debt recovery company. Henrikson recovers debt for several different businesses, including utility companies, delivery services, credit card providers, just to name a few. Let me guide you through their debt recovery process...
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Is a Debt Written Off after 6 Years? Quick guide
Debt can be written off after six years. However, there is strict criteria for debt write off. Let me walk you through the process...
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If a Debt Is Sold to Another Company Do I Have to Pay?
If your debt is sold to another company, you still need to pay. But, you now need to come to a repayment agreement with the new owner, rather than the original creditor. Let me walk you through the process...
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How to Write Off Credit Card Debt? Quick Guide
Writing off credit card debt in the UK can be accomplished legally through strategies such as the Statute Barred rule, Debt Relief Orders, and Bankruptcy among others. Read on to discover how...
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How to Write Off Debt Legally – 5 Options Explored
Legally writing off debt is achievable through several methods, including debt settlement offers, individual voluntary arrangements, debt relief orders, statute barred debts, and bankruptcy. Ready to learn more?
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How Much Should You Offer to Settle a Debt? UK Settlement Guide
Standard settlement offers are usually around 75% of the debt's worth. But, your offer should depend on what you can reasonably afford, and the size of the debt you owe. Let me walk you through the settlement process...
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How Long for Your Credit Score to Go Up After Paying Debt?
Your credit score may take between 1 and 3 months to go up after paying a debt. But, there are some exceptions. Let me explain...
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How Long Can You Be Chased for a Debt?
For most debt in the UK, you can be chased for a maximum of six years since you last made a payment or wrote to your creditor. But, there are some important exceptions. Let me explain...
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HMCTS Historic Debt Team – Who Are They & What to do
HMCTS Historic Debt Team is a debt collection group. It was set up by the UK government to locate people with unpaid court fines and recover the debt. If you are contacted by HMCTS Historic Debt Team, you should try to come to a repayment arrangement. Let me walk you through the process...
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Does HMRC Debt Affect Credit Rating? Quick Answer
HMRC debt does not affect your credit rating unless you are declared as bankrupt. Let me walk you through your options...
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What Are the Best Consolidation Loans in the UK?
Consolidation loans are the most popular method of debt consolidation in the UK. To pick the best consolidation loan for you, you need to closely compare APR rates, eligibility, repayment holidays, and policies on early settlement. Let me walk you through your options...
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Clearing Credit Card Debt: UK Laws Unveil A Loophole
There is one loophole in the UK that allows you to clear your credit card debt. It works through a balance transfer credit card, which enables you to transfer your debt from one credit card to another. But, this loophole does have some pitfalls. Let me explain...
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Average Credit Card Debt in the UK
As of November 2022, the average credit card debt per individual in the UK was £1203. But, this differs considerably based on age group. Let me explain...
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I Can’t Pay My Debts – What Are Your Options?
If you're struggling with debt and can't afford to pay, there are various options available to help alleviate your financial burden. Keep reading to discover your next steps...
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How Long Does a Debt Last in the UK? Rules for Write Off
Generally, debt will last for 6 years in the UK before being written off. But, there are notable exceptions and strict criteria for debt write off. Let me walk you through the process...
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Grants to Pay Off Loans Reviews & In-depth Info
If you're struggling to pay off a debt, there are a number of grants and programs available in the UK that can help ease your financial hardship. You could take advantage of payment holidays, student loan forgiveness. hardship grants, or social fund loans, just to name a few. Let me walk you through your options...
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Can the Government Write Off My Debt? Best Scheme?
You may be able to write off your debt using a government backed scheme, such as an IVA, Debt Relief Order, or Bankruptcy. Let me walk you through your options...
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Payment Agreement Form Free – All You Need to Know
A Payment Agreement Form contains the terms of a debtor's installment plan for the payment of a loan. It's vital that all of the details on this form are correct and have been understood by the debtor. Let me walk you through the process...
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Payplan or Stepchange – Which is Best?
Both Paylan and Stepchange offer debt management plans and free debt advice. But, Payplan can provide help with a larger range of debt solutions through their partner companies. Let me explain...
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Paying Back Tax Credits in Instalments – Complete Guide
It is possible to pay back tax credits in instalments. To do so, you should contact HMRC to discuss your options. Let me walk you through the process...
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Putting a Charge on a Property – Everything You Need to Know
A legal charge on a property turns an unsecured loan into a secured one. This means that your property can be used as collateral. There are two types of charging orders - interim and final. Let me explain the difference...
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Controlaccount (Control Account Plc) Debt Recovery – Pay FedEx, DHL, etc?
Not everyone will need to pay Controlaccount Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Deed of Trust – Everything That You Need to Know
A deed of trust is a legal document that guarantees a real estate transaction between a borrower and a lender. A deed of trust requires a trustee who works for the interests of the beneficiaries. Let me walk you through the process...
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Trust Deed Car Finance – What You Can Do, FAQs & More
It is possible for you to get car finance during, and after, a Trust Deed. But, your choice of lenders is likely to be very limited and the interest rates available to you will be high. Let me walk you through your options...
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Does a Debt Management Plan (DMP) Affect Renting? Complete Guide
A Debt Management Plan (DMP) shouldn't affect your current tenancy. However, a DMP could make finding a new space to rent more difficult. Let me walk you through your options...
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Debt Relief Order vs Debt Management Plan – Comparison
Choosing between a Debt Relief Order (DRO) and a Debt Management Plan (DMP) depends greatly on your personal financial circumstances and debt situation. Dive in to find out more...
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Debt Management Plan Calculator – Monthly Repayments
Debt Management Plan (DMP) calculators can help you estimate monthly repayments, the length of your DMP, and how much money you could save. Let me illustrate...
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Will My DMP Affect My Partner? Complete Guide
If you have a financial association with your partner, your Debt Management Plan could affect them. Depending on the circumstances, it may be more appropriate to enter into a joint Debt Management Plan. Let me walk you through your options...
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Will a Debt Management Plan (DMP) Affect My Job?
A Debt Management Plan (DMP) shouldn't affect your job. You are under no obligation to tell your employer about your DMP, unless specifically stated in your contract. Let me explain...
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Debt Management Plans vs Individual Voluntary Arrangements
Debt Management Plans and IVAs are both popular debt solutions. But, they differ in some vital ways. For example, IVAs tend to be shorter than DMPs, but they tend to have stricter eligibility criteria. Let me walk you through your options...
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What if Creditors Refuse DMP? Debt Management Plan Guide
Creditors are not obliged to accept a Debt Management Plan. If your DMP is refused, you should consider using a different debt solution as soon as possible. Let me walk you through your options...
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What Happens when Debt Management Plan (DMP) Ends?
When a Debt Management Plan ends, you can close the accounts that you've paid off. If some portion of your debt is still unpaid, it is very likely that it will be written off. Let me explain...
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Student Loan Debt Management Plan – Here’s Your Options
Managing student loan debt can be made easier by exploring various options, such as entering into a Debt Management Plan (DMP). Keep reading to discover how this could be a viable solution for you.
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Debt Management Plan Allowable Living Expenses Guide
If you enter into a debt management plan, you are allowed to spend money on essentials, such as food, bills, and fuel. Any excess must go towards your debt. Let me explain in more detail...
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Step Change Debt Charity Reviews & In-depth Info
StepChange UK is a debt charity that provides aid with number of debt solutions, including, but not limited to, Debt Management Plans, IVAs, and Debt Relief Orders (DROs). Let me walk you through their services in more detail...
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Will an IVA Affect My Partner?
Your partner will not have to financially contribute to your IVA. But, an IVA could affect your partner as you may have to make some drastic lifestyle changes. Let me explain...
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Does an IVA Affect Renting a Property? What You Can Do
An IVA shouldn't affect your ability to rent a property. Your landlord will not be notified about your IVA. But, there are a few exceptions. Let me explain...
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How to Spot An IVA Company You Want to Avoid
You should avoid IVA companies that make unrealistic claims, have an unusually high rate of failure, or have consistently bad reviews. Let me walk you through your options...
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Can I Legally Cancel My IVA? Can You Get Out?
You can legally cancel your IVA. But, cancelling your IVA isn't always the best idea. Let me walk you through your options...
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Windfall After IVA Completion – Complete guide to UK Laws
If you receive windfall after completing your IVA, it will not have to be paid to your creditors. But, if you receive it before the final review has been conducted, things are a bit more complicated. Let me walk you through the process...
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Debt Relief Order vs IVA – Detailed Comparison & Analysis
A Debt Relief Order (DRO) and an Individual Voluntary Arrangement (IVA) both offer distinct paths to resolving debt, each with its unique advantages and eligibility requirements. Dive in to find out which solution suits your financial situation best.
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Bank Accounts that Accept IVA Customers
There are a number of bank accounts that accept IVA customers. You should choose a bank that you owe no money to and have no open credit facilities with. It's important that you check the fine print regarding your eligibility and fees. Let me walk you through your options...
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Using a Personal Loan for Home Purchase: Rules to Know
Technically, it is possible to take out a personal loan to buy a house. But, due to large interest rates and short repayment plans, taking out a personal loan to buy a house isn't advisable. Let me explain...
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Can I Borrow Money Against My House to Buy Another Property?
You can borrow money against your house to buy another property. You could remortgage your house or even enter into an equity release scheme. Let me guide you through your options...
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Orbit Debt Collection Ltd – Should You Pay?
You might not have to pay Orbit Debt Collection Ltd. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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How to Complain about Debt Collection Agencies?
To complain about a debt collection agency, you should first submit a complaint to the agency itself. If this is unsuccessful, you can complain to a higher authority, such as the Financial Ombudsman. For your complaint to be properly considered, you will need to include strong evidence. Let me walk you through the process...
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DWP Debt Management Letter – Should You Pay?
You might not have to pay DWP Debt Management. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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One Call Debt Recovery – Should You Really Have To Pay?
You might not have to pay One Call Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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How to Beat Debt Collectors UK? Quick guide
There are a number of different ways to beat debt collectors in the UK. First, you should always check that you are liable for the debt, and that the debt is enforceable. Let me walk you through the process...
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Can Debt Collectors See Your Bank Account Balance? UK Guide
Debt collectors cannot see your bank account balance. But, if you refuse to pay, they can take you to court and request that the judge obtains evidence of your financial situation. Let me walk you through the process...
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Debt Consolidation Companies Comparison
There are a lot of things to consider before taking out a debt consolidation loan. You need to review interest rates, fees, and payback periods, just to name a few. Let me walk you through it...
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Handling Debt Collector Harassment: Know Your Rights
Debt collector harassment is illegal. If you have been harassed by debt collectors, you should make a formal complaint. Let me walk you through the process...
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Zinc Group Credit Management Debt – Should You Pay?
You might not have to pay Zinc Group Credit Management. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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CARS Debt (Creditlink Account Recovery Solutions) Should You Pay?
You might not have to pay CARS debt. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Property Debt Collection (PDC) Do You Need to Pay?
You might not have to pay Property Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Hoist Finance Debt Collection – Should You Pay? UK Laws
You might not have to pay Hoist Finance Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Can Debt Collectors Call or Come to Your Work?
Not everyone will need to pay Flint Bishop Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Credit Security Limited Debt – Must You Pay?
Not everyone will need to pay Credit Security Limited debt. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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PayPlan Debt Solutions Reviews & In-depth Info
PayPlan Debt Solutions provides advice on a range of debt solutions, including, but not limited to, debt management plans, Debt Relief Orders, and Individual Voluntary Arrangements. I’ll talk you through their services in detail.
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PayPal Debt Collection – Negative Balance Consequences
Not everyone will need to pay PayPal Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Flint Bishop Debt Recovery – Must You Pay?
Not everyone will need to pay Flint Bishop Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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CSA Arrears FAQs – Child Maintenance Complete Guide
If you fall into CSA arrears, it is likely that you will need to pay the debt. But, you may be able to agree upon a feasible repayment plan with the CSA or CMS. Let me walk you through your options...
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DWP Debt Management Frequently Asked Questions
DWP Debt Management is part of the Department for Work and Pensions. They are responsible for recovering overpaid social security benefits, as well as other monies. Let me walk you through their services...
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Richburns Debt Recovery – Should You Pay?
Not everyone will need to pay Richburns Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Trace Debt Recovery – Should You Pay?
Not everyone will need to pay Trace Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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How to Complain about Debt Collection Agencies? Complaints
To complain about a debt collection agency, you should first submit a complaint to the agency itself. If this is unsuccessful, you can complain to a higher authority, such as the Financial Ombudsman. For your complaint to be properly considered, you will need to include strong evidence. Let me walk you through the process...
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Shop Direct Finance Group Debt – Should You Pay?
Not everyone will need to pay Shop Direct Finance Group debt. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Redwood Collections Debt Recovery – Should You Pay?
Not everyone will need to pay Redwood Collections Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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How to Dispute Your Debt in the UK
You may be able to dispute a debt. But, you need to meet strict criteria. Let me walk you through the process...
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Can You Get Debt Written Off Due to Mental Health Illness?
You can get debt written off due to mental illness. But, you need to follow strict procedure to do so. Let me walk you through the process...
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Someone Else’s Debt at My Address – What You Can Do
If you receive letters to your address regarding someone else's debt, you can return the letter to sender. If you continue to receive correspondence regarding the debt, you can make a formal complaint. Let me walk you through your options...
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JTR Collections Debt – Must You Pay?
Not everyone will need to pay JTR Collections. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Can I Cash in My Pension and Use to Pay Off Debt?
You can cash in your pension and use it to pay off your debt. But, you can only do so if you meet strict eligibility criteria. Let me walk you through the process...
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How Is Debt Divided in Divorce?
In divorce, you are not liable for any debt that is only in your partner's name. However, you should expect any jointly owned debt to be divided between the two of you. For example, credit cards are not normally split, whereas mortgages are. Let me walk you through the process...
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Am I Liable for My Partners Debt? vs Spouse’s Responsibility (UK)
You are not liable for your partner's debt unless you have taken out a joint loan. Let me explain...
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What Is Acknowledgement of Debt? – Complete Guide
An Acknowledgement of Debt is a formal document that proves a debtor has accepted their indebtedness and liability to pay. It is a legal requirement to reply to a creditor regarding the acceptance or denial of debt ownership. Let me explain...
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Unenforceable Debt – What You Need to Know
After 6 years, according to the Limitations Act 1980, a debt becomes unenforceable or statute-barred. But, there are strict criteria for a debt to become statute-barred, and there are some important exceptions. Let me explain...
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Can You Inherit Debt?
You can't inherit debt in the UK. If someone dies with outstanding debt, their estate will be used to repay creditors. However, the situation becomes a bit more complicated if you have a joint debt with the deceased. Let me explain...
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Repay my DWP Debt Management Debt? – READ THIS BEFORE PAYING
If you have a DWP Debt Management debt, you should contact the department as soon as possible to discuss a repayment plan. If you don't, further enforcement action may be taken against you. Let me walk you through your options...
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Debt Calculator – Find Out How Much
Debt calculators can help you to figure out how much debt you owe, how long it will take for you to repay it, and what debts you should pay off first. Let me illustrate...
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Can a Visa Application be Denied Because of Debt?
Generally speaking, a visa applications shouldn't be denied just because out an outstanding debt. But, there are some exceptions. Let me explain...
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Can Debt Follow You to Another Country?
If you leave the country, creditors can no longer chase you for debt that you owe. But, they can try to seize any assets you leave behind. Let me explain...
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Selling Debt in the UK – Complete Guide
Creditors can legally sell a debt to a third party in the UK. Once the debt has been sold, the original creditor no longer has anything to do with the debt. Instead, the new owner is responsible for recuperating the debt. Let me walk you through the process...
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Can You Go to Prison for Debt? Quick Answer
You can only be sent to prison for a debt that amounts to a criminal offence, such as unpaid council tax or criminal fines. Let me explain...
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How To Calculate Interest on Debt? Step by Step Guide
There are two types of interest on debt. Contractual interest is the interest charged according to your credit agreement. Statutory interest is the daily interest accrued as a consequence of late repayment. For a quick estimate of the interest on your debt, try the calculator below.
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CCI Credit Management Debt – Should You Pay?
Not everyone will need to pay CCI Credit Management. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Can You Switch Energy Suppliers with Debt?
You may be able to switch energy suppliers with outstanding debt. But, your debt must be under 28 days old, or less than £500 if you have a prepayment meter. Let me explain...
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Creditlink Account Recovery Solutions Debt (CARS) Guide
Not everyone will need to pay Creditlink Account Recovery Solutions. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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How Do Debt Collectors Find You in the UK?
A debt collection agency will have access to your address via correspondence with the creditor. If the address is wrong, the agency can use public databases to find the correct details. Let me walk you through the process...
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Debt Collection Agency – All You Need to Know with FAQs
Debt collection agencies specialise in chasing debts for other companies. You may not have to pay a debt collection agency, but it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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How to Stop Debt Collection Letters – Complete Guide
If the debt is legitimate, the only way to stop debt collection letters is to repay your debt or come to a repayment agreement with the debt collector. Let me walk you through your options...
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How Much Do Debt Collectors Buy Debt for in the UK?
Debt collectors generally pay around 10p for every £1 of debt. However, this figure can vary significantly. Let me explain...
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What Happens to Unpaid Credit Card Debt if You Move Abroad?
When you move abroad, creditors and debt collectors have limited powers to chase you for credit card debt. But, if you ignore your debt after moving abroad, you can still face serious consequences. Let me walk you through your options...
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How Do I Know if My Debt Is Statute Barred? Quick Guide
Your debt is statute-barred if six years has passed since the last default notice was sent. But, there are some important exceptions. Let me explain...
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What Can Debt Collectors Do UK?
UK debt collectors are legally permitted to chase you for debt. To do so, they can arrive at your residence, take money from your accounts, issue a Default Notice, apply for a CCJ, or issue a Statutory Demand. Let me walk you through the process...
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Can Debt Collection Agencies Take You to Court?
Debt collection agencies can take you to court. However, there is a strict procedure that they have to follow. Let me walk you through the process...
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Can You Balance Transfer Someone Else’s Credit Card Debt?
You can balance transfer someone else's credit card debt. But, there could be large transfer fees involved. Let me walk you through your options...
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MIL Collections Debt Collectors – Should You Pay?
Not everyone will need to pay MIL Collections Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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How Long Can You Be Chased for a Council Tax Debt?
Council tax debt could be written off after 6 years. But, it's unlikely that your council will allow this to happen. If you ignore council tax debt, legal action could be taken against you. Let me walk you through your options...
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Can Bailiffs Force Entry for Council Tax Debt?
A bailiff cannot force entry for council tax unless they have obtained a Controlled Goods Agreement. Even with a Controlled Goods Agreement, bailiffs can still only use 'reasonable force'. Let me explain...
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Lloyds TSB Debt Recovery – Do You Need to Pay Them?
Not everyone will need to pay Lloyds TSB Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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LCS Debt Recovery (LCSDR) – Should You Pay?
Not everyone will need to pay LCS Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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DRS Collection (Debt & Revenue Services) Should You Pay?
Not everyone will need to pay DRS Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Lantern Debt Recovery UK – Should You Pay?
You might not have to pay Lantern Debt Recovery UK. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Transcom Student Loan & eBay Debt – Should You Pay?
You might not have to pay Transcom debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Mortimer Clarke Solicitors Debt – Should You Pay?
Not everyone will need to pay Mortimer Clarke Solicitors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Asset Link Capital Debt Collection – Should You Pay?
Not everyone will need to pay Asset Link Capital Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Santander Cards Debt Collections & Recovery – Must You Pay?
Not everyone will need to pay Jefferson Santander Cards Debt Collections & Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Ardent Credit Services Debt Recovery – Should You Pay?
Not everyone will need to pay Ardent Credit Management Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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What Happens to Unpaid Credit Card Debt After 7 Years?
Unpaid credit card debt may be written off after 7 years. But, there is strict criteria for debt write off in the UK. Let me explain...
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Credit Card Debt After Death of Spouse UK – Complete Guide
If your spouse passed away with an outstanding credit card debt, you are not required to pay it, even if you were an additional cardholder. Let me walk you through the process...
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How Not to Pay Debt Collectors When You Can’t Afford to Pay
If you can't afford to pay a debt collection agency, you should consider a debt management solution such as an IVA, a Debt Relief Order, or a Debt Management Plan. Let me walk you through your options...
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What Rights Do Debt Collectors Have?
Debt collectors do not have the same rights as bailiffs. They cannot forcibly enter your residence or seize goods. However, you shouldn't ignore debt collectors. If you do, further enforcement action could be taken. Let me explain...
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Can Bailiffs Take My Property for My Son’s Debt?
Bailiffs cannot take your belongings for your son's debt. They cannot force entry or take goods without a liability order or a warrant of control. Let me explain the process...
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How Long Before an Unpaid Debt is Written Off?
Unpaid debt can be written off after six years in the UK. However, there is strict criteria for debt write off. Let me walk you through the process...
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Statute Barred Debt Letter – Free Sample Letter Template
A statute-barred debt can be rendered unenforceable and creditors can be legally stopped from contacting you about it. Dive in to discover how…
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Statute of Limitations UK Debt
The Statute of Limitations on UK debt is 6 years. But, there are strict conditions for this limitation period to be valid. Let me explain...
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Guide and Laws for Student Loan Debt Write-off
There are a number of ways to get your student loan debt written off. However, how you write off your debt will depend on whether you have a Plan 1 or Plan 2 loan. Let me walk you through your options...
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Write Off Debt Due to Illness – Terminally Ill Forgiveness
You may be able to write off your debt due to illness. But, it may be easier to convince your creditor to give you some breathing space or a payment holiday. Let me walk you through your options...
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What Happens to Debt When You Go to Jail?
Some of your debt may be written off when you're in jail. But, this isn't necessarily the case. In fact, if you don't get on top of your debt, legal action could be taken against you whilst you're in jail. Let me walk you through your options...
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Can They Take Your House for Credit Card Debt?
Your house cannot be taken to repay credit card debt. But, if you ignore credit card debt, legal action may be taken against you and your belongings could eventually be seized. Let me walk you through your options...
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Simple Guide to Remortgaging With Credit Card Debt
You might be able to remortgage with credit card debt. But, depending on your credit score, it could be very difficult to do so. Let me walk you through your options...
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Simple Breakdown of Average UK Mortgage Debt by Age
The average UK mortgage debt in 2021 was £137,934. The 2022 figure was significantly impacted by the COVID-19 pandemic. Let me explain...
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How Long can Debt Collectors Try to Collect UK?
According to the Limitations Act 1980, a debt collector has six years to pursue your debt. However, there are important exceptions to this rule. Let me explain...
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How Much Debt Can I Have and Still Get a Mortgage?
Mortgage lenders will look at your Debt-to-Income ratio (DTI) as one way to measure your eligibility. To get a mortgage, you should try to keep your DTI ratio below 36%. Let me explain...
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Chandlers Enforcement Agents – Should You Pay The Bailiffs?
Don’t pay Chandlers Enforcement Agents unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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PO Box 140 Normanton WF6 1YA Debt Letter – Who is it?
If you've received a PO Box 140 Normanton 1F6 1YA debt letter, it is likely from Lloyds Banking Group. It’s important that you don’t ignore these letters as it could escalate to something serious. Let me walk you through your options….
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DCBL Bailiffs Debt Letter – Should You Pay?
Don't pay DCBL Bailiffs unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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Link Financial Debt – Should You Pay?
You might not have to pay Link Financial. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Allied International Credit Debt (AIC) Should You Pay?
You might not have to pay Allied International Credit Debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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CRS Debt Collectors (Credit Resource Solutions) Should You Pay?
You might not have to pay CRS Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Capita Returns Management Debt Collection – Should You Pay?
Not everyone will need to pay Capita Returns Management Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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HFC Bank Ltd – What Happened to Them?
Not everyone will need to pay HFC Bank Ltd. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Moriarty Law Debt Collection – Should You Pay?
You might not have to pay Moriarty Law Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Phillips & Cohen Associates Debt – Should You Pay?
You might not have to pay Phillips & Cohen Associates. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Stirling Park Debt Collection – Should You Pay?
You might not have to pay Stirling Park Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Rundles Enforcement Agents Debt – Pay the Bailiffs?
Don’t pay Rundles Enforcement Agents unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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Daniels Silverman Debt Collectors – Should You Pay?
You might not have to pay Daniels Silverman Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Scott and Co Debt Collectors – Should You Pay?
You might not have to pay Scott and Co Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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STA International Debt Collection – Should You Pay?
You might not have to pay STA International Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Opos Limited Debt Collection – Should You Pay?
You might not have to pay Opos Limited Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Walker Love Debt Collectors – Do You Have to Pay?
You might not have to pay Walker Love Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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JC International Acquisition LLC Debt Collection Guide
You might not have to pay JC International Acquisition LLC Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Icon Collections Debt – Do You Have to Pay?
You might not have to pay Icon Collections. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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BCW Group PLC Debt Collectors – Must You Pay?
You might not have to pay BCW Group PLC Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Credit Style Debt (CST Law) Should You Pay?
You might not have to pay Credit Style debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Download The “Prove It” Letter Templates
If you're contacted by a debt collection agency, you should first ask them to prove that you owe the debt. To do so, you need to send them a letter. Let me walk you through the process...
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Find Out If Your Debt Is Statute-Barred with Letter Template
Your debt becomes statute-barred or extinguished after a certain time period if not acknowledged or repaid, varying between six years in England and Wales, and five in Scotland. Read on to discover the nuances of this process and how to handle potential debt collectors.
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Advantis Credit Debt Collection – Should You Pay?
You might not have to pay Advantis Credit Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Arc Europe Ltd Debt Collection – Should You Pay?
You might not have to pay Arc Europe Ltd Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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BPO Collections Debt – Should You Pay?
You might not have to pay BPO Collections Debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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CapQuest Debt Recovery – Should You Pay?
You might not have to pay CapQuest Debt Recovery. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Credit Solutions Ltd Debt Collectors (CSL) – Should You Pay?
You might not have to pay Credit Solutions Ltd Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Drydensfairfax Solicitors Debt – Should You Pay?
You might not have to pay Drydensfairfax Solicitors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Intrum Debt Collection – Should You Pay? UK Guide
You might not have to pay Intrum Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Wescot Credit Services Debt Collectors – Should You Pay?
You might not have to pay Wescot Credit Services Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Bristow and Sutor Debt – Should You Pay?
Don't pay Bristow and Sutor unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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Newlyn Plc Bailiffs Debt – Should You Pay?
Don't pay Newlyn Plc Bailiffs unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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Ross & Roberts Bailiffs Debt Collectors – Should You Pay?
Don't pay Ross & Roberts Bailiffs unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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Arrow Global Debt – Should You Really Have To Pay?
You might not have to pay Arrow Global Debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Debt Recovery Plus Ltd (DRP) Should You Pay the Parking Ticket?
You might not have to pay Debt Recovery Plus Ltd. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Shoosmiths Debt Recovery & Collection – Do You Have to Pay?
You might not have to pay Shoosmiths Debt Recovery & Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Will I Lose my House if I File Bankruptcy?
Filing for bankruptcy may lead to the loss of your house, particularly if there's more than £1,000 in equity involved. However, it's not a given; keep reading to understand the nuances.
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Student Loan Overpayment Debt Collection – Do I Have to Pay?
Yes, if you've been overpaid by the Student Loan Company, you are legally required to return the excess funds. Let's delve into the details...
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01482483281 – Who Called? Stop Wescot Debt Collectors
The missed call you received from 01482483281 was from Wescot Debt Collectors, a legitimate debt recovery agency in the UK. Dive in to discover what this means for you and how to navigate the situation.
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01513056749 – Who Called? Stop Debt and Revenue Services
The call you received from 01513056749 is from Debt and Revenue Services, a legitimate debt collection agency based in the UK. Read on to uncover more about who they are and what your next steps should be.
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01782401192 – Who Called? Stop Advantis Debt Collectors
The call you received from 01782401192 is likely from Advantis Debt Collection, a busy UK debt collection agency. Read on to discover how to navigate their persistent calls...
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01142317440 – Who Called? Stop Bluestone Debt Collectors
If you're receiving calls from 01142317440, it's Bluestone Debt Collectors, a prominent UK debt collection agency, trying to connect with you. But why they're contacting you and how can you manage these calls.
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Fixed Penalty Notice for Tinted Windows – Points & Fine Amount
Yes, you can receive a Fixed Penalty Notice in the UK for overly tinted windows, likely facing a fine and potentially points on your licence. Read on to understand the details…
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Equita Bailiffs Debt Collectors – Should You Pay?
Don't pay Equita Bailiffs Debt Collectors unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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PDCS Pastdue Credit Solutions Debt – Should You Pay?
You might not have to pay PDCS Pastdue Credit Solutions. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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01513293649 – Who Called? Stop Global Recovery Services
The mysterious number 01513293649 that has been calling you is associated with Global Recovery Services, a debt collection agency. Read on to understand why they are calling and how you can deal with it effectively.
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BW Legal Debt Collectors – Should You Pay?
You might not have to pay BW Legal Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Resolvecall Debt Collectors (Resolve Call) – Should You Pay?
You might not have to pay Resolvecall Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Lowell Financial Debt Collection – Should You Pay?
You might not have to pay Lowell Financial Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Cabot Financial Debt Collectors – Should You Pay?
You might not have to pay Cabot Financial Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Moorcroft Debt Recovery – Should You Pay?
You might not have to pay Moorcroft Debt Recovery. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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EOS Solutions Debt Collection – Must You Pay?
You might not have to pay 1EOS Solutions Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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08081965550 – Who Called? Stop PRA Debt Collectors
Calls from 08081965550 are initiated by PRA Group, a prominent debt collection agency in the UK. Find out what steps you can take next in the content below...
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NCO Europe Debt Collection – Should You Pay?
You might not have to pay NCO Europe Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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01389493417 – Who Called? Stop Opos Debt Collectors
The phone number 01389493417 belongs to Opos Debt Collectors, a real debt collection agency based in Scotland. Discover more about who they are, what they want, and how to handle their calls below.
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Central Debt Recovery Unit Group Debt – Do You Need to Pay?
You might not have to pay Central Debt Recovery. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Tax Credits Overpayment was Not My Fault – How to Dispute
Disputing a tax credits overpayment in the UK is possible if you believe the mistake wasn't yours. Read on to learn more...
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What Is a Compliance Officer in DWP? How Best to Prepare
A DWP compliance officer is a fact-finder sent by the Department of Work and Pensions to investigate anomalies with benefits or pension payments. Discover why they might visit your home...
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Mackenzie Hall Debt Collectors – Do You Have to Pay?
You might not have to pay Mackenzie Hall Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Clearscore vs Experian – Why Are The Scores Different?
Clearscore and Experian may show different credit scores due to their unique proprietary algorithms used to calculate your creditworthiness. Let's dive deeper into these differences...
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How to Remove Charge on Property & How Long Does It Take?
Removing a charge on a property involves repaying the secured debt and may require an application to the Land Registry if the lender doesn't initiate the process. Continue reading to learn more about the specifics and the time frame of this procedure.
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CL Finance Limited Debt – Do You Have to Pay?
You might not have to pay CL Finance Limited. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Here’s Whether You Should Pay Judge & Priestley Debt
You might not have to pay Judge and Priestley Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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How to Spot a Fake Penalty Charge Notice
Recognising a fake Penalty Charge Notice involves being aware of the signs of deceit and understanding the legitimate process of issuing these notices. Dive in to learn more about this important topic.
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Harlands Group Debt – Should You Pay?
You might not have to pay Harlands Group debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Can I Pay a Fixed Penalty Notice Online? How to Guide
Yes, a Fixed Penalty Notice can be paid online, offering a swift and convenient solution for motorists. Discover the complete process in the following text.
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Elderbridge re: HCA Debt – Should You Pay?
You might not have to pay Elderbridge debt collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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CCS Collect Debt (CCSCollect) Should You Pay?
You might not have to pay CCS Collect. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Shakespeare Martineau Debt Recovery – Must You Pay?
You might not have to pay Shakespeare Martineau Debt Recovery. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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QDR Solicitors Debt Recovery – Should You Pay?
You might not have to pay QDR Solicitors Debt Recovery. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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PRA Group UK Limited Debt – Should You Pay?
You might not have to pay PRA Group UK Limited. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Marston Holdings Debt Recovery – Should You Pay?
Don't pay Marston Holdings Debt Recovery unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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Jacobs Enforcement Agents Debt – Should You Pay?
You might not have to pay Jacobs Enforcement Agents. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Get a Refund on Your Loan – Irresponsible Lending Letter Templates
If you believe you were mis-sold a loan, you could claim compensation or a refund. To do so, you need to gather evidence and send a letter of complaint. Let me illustrate...
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Full and Final Settlement Offer – Complete Guide
A Full and Final Settlement Offer is the process of asking your creditors if you can pay a reduced lump sum to write off your debt. For a Full and Final Settlement Offer to be successful, the proposed lump sum needs to be a feasible amount for you and your creditors. Let me walk you through the process...
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Using Bankruptcy to Get Out of Debt
Bankruptcy, a severe yet potential pathway for overcoming debt, involves your debts being eliminated after a year, albeit with significant ramifications. Read on to delve into the intricacies of this financial decision.
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What Happens When You Default On A Loan?
When you default on a loan, the creditor is legally allowed to recover your debt in full. Your credit score will also suffer, and you could face legal action. Let me walk you through the process...
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HO Collections Account Debt – Do You Need to Pay?
You might not have to pay HO Collections Account. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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The Cheapest and Happiest Cities to Raise a Family
Budapest and Stockholm have emerged as the cheapest and happiest cities to raise a family in 2023. Read on to discover more!
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How to Get a CCJ Removed From Your Credit File
A County Court Judgement (CCJ) can be removed from your credit file after six years, or earlier if the debt is paid within 30 days of the CCJ being issued, or if the debt can be proven non-existent. Dive in to understand more.
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Warrant of Control Sent to Wrong Address – Your Rights
If a Warrant of Control has been sent to the wrong address, you have specific rights and potential courses of action. Ready to explore what to do next?
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Fines AEO on Payslip – Here’s Why and How to Stop Them
Fines marked as AEO on your payslip refer to an Attachment of Earnings Order, where debt repayments are taken directly from your salary by your employer, but there are ways to halt them. Interested in finding out how?
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PO Box 300 Northampton NN1 2TX – Who’s Contacting Me?
The entity contacting you from PO Box 300 Northampton NN1 2TX is likely Northampton County Court Business Centre regarding a legal claim. Read on for essential insights...
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Amigo Loans Refund, Complaints & Claims
If you believe that you were mis-sold an amigo loan, you could claim compensation or a refund. To do so, you need to head to the Amigo website. Alternatively, you could contact the Ombudsman. But, you will need good evidence for your application to be successful. Let me walk you through the process...
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Does an IVA Affect Car Insurance?
Being under an Individual Voluntary Agreement (IVA) can indeed impact your ability to secure affordable car insurance due to credit restrictions. Curious about the details?
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PO Box 189 Huddersfield HD8 1DY – Who’s Contacting Me?
PO Box 189 Huddersfield HD8 1DY is an address used by Lowell Financial. You should not ignore letters from Lowell Financial as further enforcement action could be taken. Let me walk you through your options...
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FPN Codes – Full List with Points and Fine Amounts
This article provides a comprehensive list of Fixed Penalty Notice (FPN) codes in the UK, detailing the penalty points and fines associated with each. Stay tuned for clarity on this essential traffic regulation knowledge.
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Fixed Penalty Notice Visa Application – Will It Be Affected?
A Fixed Penalty Notice (FPN) may or may not impact your UK visa application, depending largely on your response to the notice and your overall history. Keep reading to understand this intricate interplay further.
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Dukes Bailiffs Debt: Find Out If You Need To Pay
Don't pay Dukes Bailiffs unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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NewDay Debt Collection – Do You Have to Pay?
Have you got a surprise letter from NewDay Debt Collection and are unsure about what to do next? Don’t worry; you’re in the right place. Our website helps over 170,000 people each month to understand and deal with debt situations. You’re not alone, and we’re here to guide you. This article will provide simple and […]
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02033733588 – Who Called? Stop One Source Debt Resolution
The frequent calls you're receiving from 02033733588 are from One Source Debt Resolution, a bailiff company operating in the UK. Keep reading to understand their practices and how to navigate their tactics...
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Never Paid Council Tax – Consequences If You Don’t Pay!
Not paying your council tax can lead to severe consequences, including potential legal action. Keep reading to learn more about the potential outcomes and how to avoid them.
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Does Zilch Improve Credit Score or Ruin it? Fact Check
Using Zilch, a Buy Now Pay Later service, can impact your credit score negatively if repayments are missed or late. Read on to get the full picture and how to manage such potential risks.
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What is a Good Clearscore Affordability Score out of 100?
A good Clearscore affordability score out of 100 is generally considered to be anything above 80, indicating a high likelihood of being approved for credit. Let's unpack this further...
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1st Locate UK Debt Collection – Should You Pay?
You might not have to pay 1st Locate UK Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Loan Temporary Repayment Plan – What You Need to Know
A Loan Temporary Repayment Plan offers a respite for individuals who are temporarily unable to fulfil their loan obligations, by reducing their payments for a short period. Dive in to learn more...
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The Best Cities for Pay & Work-Life Balance Based on Job Industry
Are you thinking about moving to a new city for work? This guide is here to help you find the best cities for pay and work-life balance based on your job industry. Many people are worried about their quality of life and the cost of living. We understand this concern and have gathered information about […]
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