Scott Nelson - Debt Expert
Posts by Scott Nelson:
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...
Read more
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...
Read more
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...
Read more
Help with divorce fees in England and Wales
Help with Fees may reduce the England and Wales divorce application fee if the savings, income and other tests are met. Legal aid is a separate scheme.
Read more
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...
Read more
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...
Read more
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...
Read more
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...
Read more
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...
Read more
Dart Charge PCN: Payment and Appeals
A Dart Charge PCN is normally £70, reduced to £35 during the 14-day discount period, in addition to the crossing charge. Check the notice and use the official payment or representation route.
Read more
How to Contest a Speeding Allegation
Respond accurately to any request for driver details, then follow the fixed-penalty or court instructions if you dispute the allegation. A NIP is not a form for entering a not-guilty plea.
Read more
CCJs for Private Parking Tickets: Payment and Options
In England and Wales, an unpaid private parking claim can lead to a County Court Judgment. Check the order promptly: payment within one month can remove it from the register, and a set-aside application may be available in some cases.
Read more
Penalty Charge Notice or Parking Charge Notice: The Difference
A Penalty Charge Notice follows a statutory civil process. A private Parking Charge Notice is usually a contractual claim. Both require attention, but the appeal and enforcement routes differ.
Read more
LCMS Debt Collection in Ireland: How to Respond
Received an LCMS letter? Check the Irish account, creditor and applicable law, request evidence and understand payment, dispute and court-response options.
Read more
Are You Owed Money Ltd: checking a demand and making a complaint
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…
Read more
OVO Energy debt collection: checking arrears and getting help
How to verify an OVO debt demand, discuss affordability, challenge an incorrect bill and understand legal recovery.
Read more
Together Energy debt letters: checking an old account
How to verify a demand relating to the failed Together Energy supplier and distinguish it from your current energy account.
Read more
Can Bailiffs Take a Car on Finance? Ownership and Your Rights
A financed car is not automatically protected from bailiffs. Check the agreement, ownership, any debtor interest and exemptions; there is no universal two-hour proof deadline.
Read more
Hellix Debt Letters: Check the Claim and Respond
Check a Hellix debt letter, request relevant evidence, meet formal deadlines and understand affordable repayment and complaint options.
Read more
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...
Read more