Scott Nelson - Debt Expert
Posts by Scott Nelson:
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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Backdated council tax bills and refunds: what to check
How to check a backdated council-tax demand or refund claim, including billing dates, reduction rules and appeal options.
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Council tax summons: the liability-order process and next steps
How to check a council-tax summons, respond to a disputed or unaffordable bill, and understand the enforcement that may follow.
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Paying council tax late: reminders, costs and payment help
What late council-tax payments can lead to, how to seek an affordable arrangement, and why liability orders differ from CCJs.
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How long can council tax debt be recovered? Liability-order rules
Why council-tax debt is not automatically unenforceable after six years, and how liability orders change recovery in England and Wales.
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Council tax discounts and exemptions: lawful ways to reduce a bill
Check genuine council-tax discounts, exemptions and support, including the rules for empty properties and second homes.
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Cannot afford council tax? Reductions and payment help
Check council-tax support and affordable payment options, and understand what happens if arrears lead to enforcement.
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Council rent arrears: benefits, repayment and eviction help
What to do about council-rent arrears, how tenancy type affects eviction, and why debt solutions do not automatically protect your home.
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Council tax arrears: payment help, enforcement and old debts
Steps to deal with council-tax arrears, including affordable arrangements, reductions, liability orders and enforcement safeguards.
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Council tax bailiffs: payment plans, rights and help
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 council tax arrears lead to a CCJ? Liability orders explained
Council-tax liability orders differ from County Court judgments. Understand credit-file effects, enforcement and how to challenge a disputed bill.
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Can you go to prison for council tax debt? England and Wales rules
Understand the limited imprisonment power in England, its abolition in Wales, and what to do if you receive a council-tax court summons.
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Council tax attachment of earnings: deductions and help
How council tax deductions from wages work in England and Wales, and who to contact about an error or hardship.
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Council tax liability orders: what they mean and what to do
A council-tax liability order allows further recovery action. Understand payment options, enforcement safeguards and the rules for older bills.
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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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