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Scott Nelson - Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

I’m really excited to be part of MoneyNerd. We’re all about helping people who are struggling with their finances. Every month, over 400,000 visitors come to our website, trusting us to guide them towards a better financial future.

We know dealing with money can be scary. That’s why we make sure our guides and videos are easy to understand and always available. Whether you’re just starting out with managing money or you’re already an expert, MoneyNerd is here to give you the tools and information you need to do well.

As for me, I bring a wealth of experience to the table in building high-performing teams, launching award-winning consumer finance brands, and acquiring customers at scale. I am proud to lead a team that is wholly committed to serving our customers’ best interests, and who are passionate about their own professional development.

Education

  • University of Cambridge – Digital Innovation & Transformation
  • Cardiff University School of Engineering – Civil Engineering

Previous Experience

NewDay – Head of Digital Product & Head of Platform Product

  • Scaled new product group to 13 teams (~£10M budget)
  • Platform services for loan, credit card and buy now pay later products
  • Servicing credit products across brands such as Amazon, Argos, AO, Waitrose, John Lewis & Aqua
  • 6 million customers, 2 million app downloads, £3billion receivables

118 118 Money – Head of Product & Product Director

  • Credit card and loan products from idea to launch and scale
  • Application journeys, mobile apps, lending and collections platforms all built from scratch
  • First to market with a ‘no interest’ credit card and ‘virtual card’ feature

Ennovators – Head of Product

  • Scaled e-commerce business into 10 European markets
  • Launched two new businesses into 6 European markets

Kobas – Head of Product

  • Scaled software as a service product (10x MRR)
  • Mobile app from idea to launch

Future Commerce – Founder

  • First business shipped 500,000 products in the first 6 months and was sold shortly after
  • Built and sold several other e-commerce and affiliate businesses

Featured Video

Scott’s picks

Scott has also appeared in..

  • Forbes (Laura Begley Bloom) – ‘Want To Make Money And Have Work-Life Balance? Move To One Of These Cities’
  • CNBC (Morgan Smith) – ‘Copenhagen is the world’s No. 1 city for work-life balance and pay, says new research—New York isn’t far behind’
  • Entrepreneur (Madeline Garfinkle) – ‘This Is the Worst City in the World for Work-Life Balance — and No, It’s Not NYC’
  • Daily Express (Esther Marshall) – ‘Travel expert shares the ‘absolute best time to book flights’
  • GOBankingRates (Andrew Lisa) – ‘Are Multiple Bank Accounts the Key To Getting Rich?’
  • Travel and Leisure (Dobrina Zhekova) – ‘9 Best Places to Live in Your 30s, According to Real Estate Experts’
  • Thrillist (Serena Tara) – ‘A New Study Says These Cities Have the Best Work-Life Balance in the World’
  • Digg – ‘The Five Best Cities In The World For Work And Life Balance, Ranked’

Awards

118 118 Money:

🥇 ‘Alternative Lender of the Year’ – Credit Today
🥇 ‘Best Specialist Loan Provider’ – Moneynet
🥇 ‘Best New Credit Card’ – Moneynet

NewDay

🥇 ‘Best in Digital Transformation’ – Digital Experience Awards

Posts by Scott Nelson:

Comparing Secured and Unsecured Loans: What’s the Difference

Scott Nelson

Thinking about getting a loan but don’t know where to start? You’re not alone – we help more than 170,000 people per month better understand debt and their finances. There are some differences between secured and unsecured loans. In this quick guide, we’ll take a look at: What is a secured loan? A secured loan […]
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Are Private Parking Fines Enforceable?

Scott Nelson

Got a private parking ticket but don’t know what to do? You are in the right place! More than 130,000 people visit our site monthly for information about parking tickets. This quick guide will take you through: What parking tickets are there? When dealing with parking tickets, the first hurdle you have to overcome is […]
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How Bailiffs Operate: Procedures, Powers, and Limitations

Scott Nelson

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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Bailiff Regulations for Vulnerable Individuals

Scott Nelson

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 bailiffs can be stressful enough, but what do you do if you’re vulnerable? In this quick guide, we’ll take you through: What is a bailiff? The term ‘bailiff’ is used to describe […]
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Your Rights When Dealing With Bailiffs

Scott Nelson

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 of your rights. Our quick guide will take you through: What is a bailiff? The term ‘bailiff’ is used to describe any […]
Read more

Parking Charge Notice vs Penalty Charge Notice: Know The Difference

Scott Nelson

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)

Scott Nelson

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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Parking Ticket Scams: How to Identify and Avoid Them

Scott Nelson

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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The Pros & Cons of Equity Release – is it right for you?

Scott Nelson

Are you curious about equity release and want to know if it’s right for you? You’re not alone!  It can be difficult to understand equity release – it’s tricky and full of jargon! – so, we’ve put together this quick guide to help you understand some of the major advantages and potential pitfalls of equity […]
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Equity Release and Inheritance Considerations

Scott Nelson

Are you considering equity release but not sure about how it will affect the inheritance you leave? You’re not alone. More than 7,000 people are visiting our website for guidance on the equity release. This quick guide will take you through: What are my options for equity release? Before we dive into how equity release […]
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What is Equity Release (With Examples)

Scott Nelson

Looking for more information on equity release in the UK? You’re in the right place. We know that equity release can look complicated, but with our guidance, you can quickly grasp the basics. In this guide, we’ll explain: What are my options for equity release? There are two options for equity release. These are: Lifetime […]
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Debt Collection Processes & Timeline – What To Expect

Scott Nelson

If you are facing financial difficulties and worried about being able to pay your bills, knowing how your creditors are likely to deal with you can help make the process feel less stressful. And you’re not alone – more than 170,000 people visit our website every month to get answers to their debt questions. In this […]
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Your Rights with Debt Collectors: A Simple Breakdown

Scott Nelson

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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Should I get a will

Scott Nelson

Introduction In the United Kingdom, discussing wills and estate planning often takes a back seat in our daily conversations. It’s a topic many of us shy away from, perhaps due to its association with mortality. However, having a will is a crucial aspect of financial planning, one that deserves more attention and understanding. In this […]
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Finding the best energy deals

Scott Nelson

Finding the best energy deals in the UK can significantly reduce your utility bills and help manage your household budget more efficiently. The energy market in the UK is competitive, with numerous suppliers offering a range of tariffs. This comprehensive guide aims to navigate the process of finding and switching to the best energy deal, […]
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What is life insurance?

Scott Nelson

Life insurance is an essential financial product that provides peace of mind and security for your loved ones in the event of your untimely passing. In the UK, navigating the world of life insurance can be complex due to the variety of options available. This comprehensive article aims to simplify the process by explaining the […]
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How to check your credit report for free

Scott Nelson

In the UK, checking your credit report is a crucial step in managing your financial health. It allows you to see how creditworthy lenders consider you to be and to verify that your financial records are accurate and up-to-date. Fortunately, accessing your credit report for free is straightforward. This article will guide you through why […]
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How to build an emergency fund

Scott Nelson

Building an emergency fund is a crucial step in ensuring financial security, especially in uncertain economic times. In the UK, where unexpected expenses can arise at any time, having a safety net can provide peace of mind and financial stability. This article will guide you through the process of building an emergency fund in the […]
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Morses Club in Administration – What does this mean for you?

Scott Nelson

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: We understand how you feel; some of us have been in your shoes. But don’t worry; we’re here […]
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Getting Cheap Car Insurance With Convicted Driver Penalties

Scott Nelson

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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Voluntary Repayment Lifetime Mortgages: A Comprehensive Guide

Scott Nelson

Delve into an in-depth analysis of Voluntary Repayment Lifetime Mortgages in the UK. Understand its core features, eligibility criteria, interest dynamics, application process, and weigh its benefits and drawbacks. This comprehensive guide provides clarity for potential borrowers and homeowners considering equity release options.
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Buy to Let Lifetime Mortgages: How Does It Work?

Scott Nelson

Explore the workings and implications of a Buy to Let Lifetime Mortgage in the UK. This comprehensive guide delves into its key features, benefits, and concerns. Understand the equity release mechanism, lack of monthly repayments, and compounded interest. Consider its suitability, and interest intricacies. Ensure informed decision-making with a balanced view of its pros and cons.
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What Affects Maximum Percentage Released in Equity Release?

Scott Nelson

Explore the variables that influence the maximum percentage of equity you can release from your property. Understand how age, property value, and health conditions, among other factors, can affect the equity release amount. Make informed decisions by understanding eligibility and provider terms.
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Can I get Equity Release without Compound Interest?

Scott Nelson

Explore options for equity release without the burden of compound interest. This guide delves into alternative financial products that offer homeowners the flexibility to unlock property value while minimising long-term costs. Ideal for those looking to preserve more equity for inheritance or other financial plans.
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Equity Release with a Lasting Power of Attorney? Possible?

Scott Nelson

Explore the complexities and benefits of equity release and Lasting Power of Attorney in the UK. Our comprehensive guide covers types, eligibility, costs, and long-term implications of these legal and financial arrangements, offering crucial insights for informed decision-making in estate and retirement planning.
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Equity Release for Early Inheritance: What You Need to Know

Scott Nelson

Are you considering gifting an early inheritance equity release for loved ones so you can enjoy the benefits it brings? In my post, I explain how equity release works and the tax implications you’d encounter, including its impact on Inheritance tax. How does equity release affect inheritance? Releasing equity from your home will affect the […]
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How to Minimise Equity Release Setup Costs: Tips & Tricks

Scott Nelson

Are you looking to benefit from the wealth tied up in your home but concerned about the set-up costs of equity release? Equity release can be a great financial option for those aged 55 and over, but with no one-size-fits-all approach, it's important to know what to look for, and what fees are involved. In this article, I'll discuss how to minimise the set-up costs of equity release, so you can make the most of your wealth and enjoy a comfortable retirement.
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Early Retirement with Equity Release: Pros and Cons

Scott Nelson

Retirement is an exciting milestone for many, and while many people wait until they qualify for their state pension to make this transition, some opt to retire earlier. If you are considering an early retirement, you may be considering leveraging equity in your home to make it possible. In this blog post, I will explore the pros and cons of early retirement and equity release, and help you decide if this is the right choice for your retirement plan.
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Can You Get Home Equity Loan Without a Job in the UK?

Scott Nelson

Are you out of work and need an extra source of cash? Perhaps you have been thinking about getting a home equity loan, but aren't sure if you can do so without a job? In this blog post, I unpack whether or not you can get a home equity loan without a job in the UK. I will look at the eligibility requirements, the types of equity release options, and other helpful information that you should know before you make your decision. So, read on to find out everything you need to know about home equity loans and how they may be a suitable option for you without having a job.
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What to Expect at Initial Equity Release Appointment?

Scott Nelson

Are you considering using equity release to access funds tied up in your home? Unlocking the money tied up in your home can enable you to enjoy a comfortable retirement, make home improvements, pay debts, and help out family members. If you're interested in unlocking the potential of equity release, you'll need to attend an initial equity release appointment. But what should you expect? In this blog post, I'll explore what an initial equity release appointment involves and what you need to know.
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Long-Term Care and Equity Release: A Comprehensive Guide

Scott Nelson

Long-term care can be a daunting prospect for many of us, especially when it comes to financing it. Luckily, equity release could be the answer to your long-term care funding worries. In this blog post, I will explore what equity release is, how to access it, how much money you can release, and more. So, read on to learn all about the potential benefits of equity release and how it can help you if you require long-term care.
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Can Japanese Knotweed Affect my Equity Release Eligibility?

Scott Nelson

Japanese Knotweed is an increasingly common issue in the UK and is a consideration for any property that is looking to take out an Equity Release product. In this article, I look at what Japanese Knotweed is, why it is such a big problem and whether it affects your eligibility for equity release.
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How to Get a Home Equity Loan During Divorce & Separation

Scott Nelson

You can apply for a home equity loan for a variety of reasons which includes during a divorce or separation. It’s one way of accessing equity in a property that’s been built up over time. If you are divorcing or separating from a partner, it could be an option worth considering if you want to buy them out. I will explain your options in my post and when a home equity loan may be worth checking out.
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How to get a Home Equity Loan to Buy Out Spouse

Scott Nelson

Do you have a shared mortgage on a jointly owned house? And are you wondering how to get a home equity loan to buy out your spouse’s share? I will explain how to go about doing this and whether a home equity loan is your best option. Let me explain further…
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How to Use a Home Equity Loan for Divorce Settlement

Scott Nelson

Using a home equity loan for a divorce settlement is possible. The loan could provide you with a solution to any financial issues you face during a divorce. I explain how choosing equity release to buy out a partner during a divorce could let you remain in the family home. Let me explain further…
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How to Avoid Paying Child Maintenance (2024 Loopholes)

Scott Nelson

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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The Cost to Move Out of Your Parent’s Home

Scott Nelson

Are you living at your parent’s home and thinking about moving out but worried about how much it might cost? You’re not alone, and we’re here to help. Our article will guide you through the costs you should expect when moving out of your parent’s home in 2023. We’ll cover: We understand that the thought […]
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Debt Validation Letter for the UK – Free Template

Scott Nelson

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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Best Cheap Credit Union Debt Consolidation Loans in UK 

Scott Nelson

If you are trying to find the best value debt consolidation loan, a credit union could be your best bet. Credit unions generally offer financial products at a slightly lower interest rate than traditional lenders. However, you may need to join the credit union before you can apply for a debt consolidation loan from them.
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How to Get HELOC on an Investment Property in UK? 

Scott Nelson

If you own an investment property and want to borrow against the equity held in it, there are a few options available to you. One of which is a HELOC. A HELOC is a rolling line of credit, and you only pay interest on the money you actually spend. There are other options, but these generally work out more expensive in the long run.
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Best Cheap Park Home Mortgage Lenders in UK (2024 Rates)

Scott Nelson

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

Scott Nelson

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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Pros and Cons Of Bankruptcies

Scott Nelson

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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Is a County Court Claim a CCJ? What’s the Difference?

Scott Nelson

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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How Do I Get Debt Written Off Scotland

Scott Nelson

In this article, we explore the process of debt write-off in Scotland and provide valuable insights to help you navigate the available solutions. Don't miss out on this essential information that can bring you financial relief. Let's get started!
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Average Medical Student Debt UK

Scott Nelson

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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How Much Credit Card Debt Is Too Much?

Scott Nelson

The amount of credit card debt that is too much varies from person to person, but a key indicator is when meeting minimum monthly payments becomes a struggle. Curious about how to manage such a situation? Keep reading.
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Debt Consolidation Statistics

Scott Nelson

Debt consolidation, which entails combining multiple loans into one, can be an effective solution for those struggling with multiple repayments, with the average interest rate for such loans standing at 22.59%. Let's explore how this could potentially streamline your financial situation.
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Average Car Debt in the UK

Scott Nelson

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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Average Debt to Income Ratio UK

Scott Nelson

The average debt-to-income ratio for households in the UK was 133.9% in the second quarter of 2022, indicating that a typical adult holds more debt than their annual income. Want to understand why?
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Average Mortgage Length UK

Scott Nelson

The average length of a mortgage in the UK has reached a record 30 years, reflecting a shift in financial planning for property owners. Interested in the implications? Read on...
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Average Student Debt UK

Scott Nelson

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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County Court Bailiff Eviction Notice – Know Your Rights!

Scott Nelson

Before evicting you, your landlord must apply to the local court for a warrant for possession. Following, you should receive an official notice of eviction from the court. This notice will give you a date by which you need to leave the property. If you don't leave by this date, county court bailiffs can legally evict you. Let me walk you through your options...
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Court Fine Enforcement Team – Can You Go To Jail? 

Scott Nelson

If you don't pay your court fine, your case will be transferred to the Fine Collection and Enforcement Team. You will then receive notification from a debt collection officer. You should respond as soon as possible to avoid further legal action. Let me walk you through the process...
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How Does a Revoked Licence Affect Insurance? 

Scott Nelson

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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Parkingchargepayment – How to Pay

Scott Nelson

Parking Charge Payment is a public-facing website used by GroupNexus to collect Parking Charge Notices (PCNs). You can pay online with your reference number and car registration. Let me walk you through the process...
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What is the UK Credit Score Range? 2024 Updates

Scott Nelson

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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Cheapest Car Insurance for Disqualified Drivers? 

Scott Nelson

The cheapest car insurance for disqualified drivers in the UK varies based on personal factors, but could potentially be found through high-risk or convicted driver insurance policies. Keep reading to understand more about how a driving ban can impact your insurance and explore strategies to find affordable coverage.
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What are the HELOC Rates in the UK?

Scott Nelson

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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UK HELOC Lenders and Banks

Scott Nelson

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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How is Weekly Income Calculated for Speeding Fines?

Scott Nelson

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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Clear Air Zone Charges – Do I Have to Pay?

Scott Nelson

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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FPN Payment – Pay or Appeal?!

Scott Nelson

You can challenge a Fixed Penalty Notice (FPN) by taking the matter to court. However, if you ignore the FPN, the fine will increase by 50% and legal action could be taken. Let me explain...
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Interest Only Lifetime Mortgage Calculator 

Scott Nelson

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 to Finance a House Extension? 

Scott Nelson

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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What Banks Do Lifetime Mortgages? Complete UK List

Scott Nelson

Lifetime mortgages are primarily offered by equity release companies, with high-street banks like Santander, NatWest, The Co-operative Bank, and Lloyds Bank connecting customers to providers like Legal & General and Scottish Widows Bank. Interested in learning more? Let's delve deeper…
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Further Advance on Mortgage – How to Increase Your Loan

Scott Nelson

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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4 Little Known Truths about Equity Release

Scott Nelson

Equity release allows homeowners over 55 years old to borrow a percentage of their home's value without having to make repayments. It is a popular method of borrowing money. But, many people still don't know these 4 little known truths about equity release.
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5 Reasons for Equity Release

Scott Nelson

Are you looking to find out more about equity release? You’re in the right place. Every month, over 7,000 people visit our website to learn about equity release. In this article, we’ll share: Equity release can seem difficult to understand, but you don’t have to worry – we’re here to help. We can share lots […]
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What Documents Do I Need For A Secured Loan? 

Scott Nelson

To apply for a secured loan, you'll primarily need to provide documents that prove your identity, address, income, and any existing debts, as well as documents pertaining to the asset you're using as collateral. Let's dive deeper into this process…
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Secured Loan Example and Explanation – Full Guide

Scott Nelson

If you are considering getting a loan then you need to know the difference between a secured loan and an unsecured loan to know which is the right type for you. It's important to also know the risks involved with a secured loan and the different types that are available. Let me walk you through it...
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British Gas Debt On Meter – What You Need To Know

Scott Nelson

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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Can You Go To Court For Speeding Ticket? 

Scott Nelson

Depending on the circumstances, you may need to go to court following a speeding ticket. For instance, you will need to appear in court if you want to challenge the ticket, or if you were driving considerably over the limit. Let me walk you through the details...
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What Is the Bus Lane Fine 20 Metre Rule? 

Scott Nelson

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 to Avoid a Speeding Ticket – 2024 Laws & Guide

Scott Nelson

The best way to avoid a speeding ticket is to pay attention to the speed limit at all times. If you receive a speeding ticket, the most appropriate way to handle it is to pay it immediately or commit to a speed awareness course if possible. Let me talk you through your options...
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How to Get Out of a Speeding Ticket

Scott Nelson

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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How Much Is A Fixed Penalty Notice?

Scott Nelson

There are three types of Fixed Penalty Notices (FPNs). Endorsable FPNs can range from £60 to £200. Non-Endorsable FPNs are usually £30. Conditional Offer FPNs are usually £60. However, these are subject to change depending on the circumstances. Let me explain...
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British Parking Association Code of Practice

Scott Nelson

The British Parking Association Code of Practice applies to private parking fines. It encourages a fair and consistent standard of operating. For example, it enforces a maximum fine, clear signage, and no additional fees. Let me explain in more detail...
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Do Parking Fines Expire in the UK?

Scott Nelson

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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Average Mortgage Payment UK

Scott Nelson

As of March 2022, the average mortgage payment in the UK was £759 a month. But, the amount you can expect to spend on your mortgage each month will depend on your personal finances, how much you need to borrow, and the region in which you. Let me explain...
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Giving money away before divorce

Scott Nelson

If you give money away before a divorce it could be considered by the court as an attempt to reduce the amount in the matrimonial pot. Consequently, the court may decide to include the amount given away when they divide the assets of both parties. Let me explain...
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How To Get Out Of A Fixed Penalty Notice

Scott Nelson

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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Bankruptcy Statistics in the UK

Scott Nelson

The number of bankruptcies in the UK decreased significantly in 2022, with comprehensive data revealing a multitude of trends and patterns in relation to regional demographics, gender, and age. Read on to dive deeper...
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Avro Energy Debt – Pay or Ignore?

Scott Nelson

You shouldn’t ignore Bulb Energy debt. If you do, further enforcement action will be taken. Instead, you should either pay your debt, or try to come to a repayment agreement. I’ll walk you through the process…
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How Much Does a Divorce Cost if Both Parties Agree?

Scott Nelson

If both parties agree, a divorce doesn't have to be expensive. But, the actual cost will depend on a number of different factors. To estimate an accurate price, you need to consider solicitor fees, the cost of a divorce application, and financial settlement fees. Let me walk you through your options...
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Bulb Energy Debt – Pay or Ignore?

Scott Nelson

You shouldn’t ignore Bulb Energy debt. If you do, further enforcement action will be taken. Instead, you should either pay your debt, or try to come to a repayment agreement. I’ll walk you through the process…
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Can bailiffs take a car on finance?

Scott Nelson

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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Digital DRA – Who Are They?

Scott Nelson

Not everyone will need to pay Digital DRA 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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SSE Debt Collection – Should you Pay?

Scott Nelson

You shouldn’t ignore SSE 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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Parking Ticket Rules in the UK

Scott Nelson

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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Parking Fines in the UK – Everything You Need to Know

Scott Nelson

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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Parking Fines Not Enforceable in Scotland?

Scott Nelson

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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Parking Eye Watchdog – What You Should Know 

Scott Nelson

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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Seat Belt Fine – Do I Pay or Appeal? 

Scott Nelson

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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Is a default a CCJ? What You Need To Know

Scott Nelson

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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EON Debt Collection – Should you Pay

Scott Nelson

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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Capital One Default – Should You Pay?

Scott Nelson

Some people may not have to pay a Capital One default. But, if you don't take action quickly, you risk doing further damage to your credit score and you could even be taken to court. Let me walk you through your options...
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How to Deal with DCBL

Scott Nelson

Not everyone will need to pay DCBL. 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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DWP Debt Management Contact Details

Scott Nelson

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. You can contact DWP Debt Management by phone or email.
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Housing Benefit Overpayment Appeal Letter Sample

Scott Nelson

You can appeal a housing benefit overpayment decision if an official error is to blame, or if it was impossible for you to know that you were overpaid. To do so, you must write a letter to your local council including any evidence proving that you aren't liable to pay. Let me illustrate...
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County Court Letter – Here’s What To Do

Scott Nelson

A county court letter, otherwise known as a County Court Judgement, is an order by the court to pay a debt that you owe. If you ignore a county court letter, further legal action could be taken against you. Let me walk you through your options...
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