Scott Nelson - Debt Expert
Posts by Scott Nelson:
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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Bankruptcy with No Assets in England and Wales
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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Civil National Business Centre: the former CCBC and your court papers
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: vulnerability and support
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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Warrant of possession: County Court eviction process
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? Legal Authority Explained
Bailiffs need the correct legal authority, but not every debt requires the same court order. Check the debt, notice, entry powers and available challenge promptly.
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County Court bailiff fees: court charges and enforcement costs
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 bailiff warrant need a wet-ink signature?
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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