Scott Nelson - Debt Expert
Posts by Scott Nelson:
DRO vs IVA: Eligibility, Costs and Consequences in England and Wales
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 and IVAs: What to Check Before Applying
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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Can you use a personal loan to buy a house or fund a deposit?
A personal loan may be restricted from funding a house purchase or mortgage deposit. Check both lenders’ rules and affordability before taking any borrowing.
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Can I Borrow Money Against My House to Buy Another Property?
Borrowing against a home to buy another property may be possible, subject to both lenders’ terms and affordability. Compare all costs, taxes and risks before proceeding.
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Orbit Debt Collection: Water Bills, Payment Help and Your Rights
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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Debt collection complaints: the Ombudsman and other routes
Start with the firm’s complaint procedure and check the appropriate escalation route and deadline. The Financial Ombudsman can order redress in eligible cases but does not fine collectors or automatically cancel debts.
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DWP Debt Management Letter: Check, Challenge or Arrange Repayment
Check a DWP debt letter, challenge an incorrect benefit decision in time and ask for affordable repayments or hardship support.
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One Call Debt Recovery: Check the Balance and Your Options
Understand a One Call Debt Recovery letter, check insurance-related charges, raise a genuine dispute and find affordable repayment or complaint options.
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How to Deal with Debt Collectors in the UK
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 balance? Information requests explained
An ordinary collector has no unrestricted access to your bank balance. A creditor may request information, while a court order after judgment can require specific disclosure. These are different powers.
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How to compare debt consolidation lenders and brokers
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 Debt Collection: Checking a Demand and Your Options
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 Collection: Checking a Debt and Your Options
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: Service Charges, Ground Rent and Your Rights
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 UK and Lowell: Checking Your Debt and Next Steps
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 Contact You at 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: Checking a Debt and Your Options
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 Advice: Services, Fees and Reviews
PayPlan offers free debt advice and DMPs, while associated insolvency services carry fees. Check service suitability, current contacts and the correct complaints route.
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PayPal Debt Collection: Negative Balances and PayPal Credit
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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