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Woking PCN – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Woking is described as a smaller town with a big-city vibe, which is why so many locals enjoy driving into town and why visitors can also have a pleasant time stopping by.  But your visit to the Woking area can easily be tarnished with a Woking PCN. Learn more about these council fines below.  What […]
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Dudley PCN – Should You Pay or Appeal? 2022 Laws

Scott Nelson

This post is geared up to help anyone with a Penalty Charge Notice from Dudley Council. Get the info you need to take on a Dudley PCN with confidence.  What is a Penalty Charge Notice? A Penalty Charge Notice is predominantly a fine you can receive from a local council, but they can also be […]
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Scarborough PCN – Pay or Appeal? 2022 Laws

Scott Nelson

Has a trip to the UK coastline ended up costing you more than a couple of ice creams or some fish and chips? That might well be the case if you recently visited Scarborough and ended up being stung by a Scarborough PCN.  Learn all about these council fines and what to do here.  How […]
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Norfolk Parking Ticket – Pay or Appeal? 2022 Laws

Scott Nelson

It’s never amusing when you get back to your car only to find you’ve got a ticket. But did you know you could appeal a Norfolk parking ticket when it’s not issued correctly? That said, you may have to pay the fine if it was! Have you asked the question, can I pay or appeal […]
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Car Parking Services – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Getting a Car Parking Services Belfast parking ticket is annoying. More so when you believe you did nothing wrong. Luckily, you can contest the fine by following the private operator’s appeals process. Read on to find out when you could challenge a Car Parking Services Belfast fine and when you may have to fork out […]
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Rotherham PCN – Pay or Appeal? 2022 Laws

Scott Nelson

Has your day been spoiled by receiving a Penalty Charge Notice from Rotherham Council? We discuss these council fines in detail and take a look at the different ways to respond to a Rotherham PCN.  Penalty Charge Notice explained Local councils can issue fines to motorists for parking and minor driving offences. These fines are […]
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Harrogate PCN – Pay or Appeal? 2022 Laws

Scott Nelson

Harrogate is a picturesque town in North Yorkshire with the Yorkshire Dales National Park on its doorstep. It attracts scores of visitors each year, but not all of those visitors go home happy. Some go home with a Harrogate PCN to pay. Learn more here.  What is a Penalty Charge Notice (PCN)? Penalty Charge Notices […]
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Asda Parking Rules – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Not everyone understands Asda parking rules or their rights when given a fine on private land. Private landlords authorise parking management companies to issue tickets for minor infringements. But sometimes things go wrong! Read on to learn more about Asda parking rules and whether you could appeal a fine! What are Asda parking rules? Asda’s […]
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Worcester PCN – Do I Pay or Appeal? 2022 Laws

Scott Nelson

Have you just received a PCN in Worcester and wondered what your options are? A PCN is short for a Penalty Notice Charge and it’s a parking fine that can’t be ignored.  You have a couple of options to handle your Worcester PCN, so let’s take a look at what it is and what you […]
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Wakefield Parking Notice – Pay or Appeal? 2022 Laws

Scott Nelson

Have you got the right to appeal your Wakefield parking notice fine? We answer this and other common questions to do with parking tickets within Wakefield Council’s jurisdiction. You’ll want to hear this! How much is parking in Wakefield? The cost of parking in Wakefield differs based on the location and the duration you need […]
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Chester Parking Ticket – Pay or Appeal? 2022 Laws

Scott Nelson

It’s never amusing when you get a Chester parking ticket, more particularly when you believe you did everything right. So, if you’re wondering whether to pay or appeal the fine, this post is for you. Read on to learn more about paying or appealing a Chester parking ticket! What is a Chester parking ticket? You’d […]
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Link Parking – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Are you considering whether you should pay or appeal a Link Parking fine? Getting a parking ticket is annoying at the best of times. But it’s even worse when you believe it’s unfair. Read on to find out whether you have to pay or appeal a Link parking ticket. This post contains info on how […]
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Devere Parking Ticket – Do I Pay or Appeal? 2022 Laws

Scott Nelson

A Devere Parking ticket could prove expensive when an appeal is rejected. On the other hand, if you pay within 14 days, the fine amount is considerably less. I take a look at how Devere Parking manages car parks on land owned by private landlords. Then, I delve into when you could appeal a parking […]
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Saba Parking Services – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Did you get a Saba Parking Services fine? Need more information on whether to pay or appeal a ticket you got on private land? You’re not alone. Private parking management companies like Saba use Automatic Number Plate Recognition technology, and mistakes happen. Read on to learn more about the company and when you could appeal […]
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East Sussex PCN – Should I Pay or Appeal? 2022 Laws

Scott Nelson

East Sussex is home to some picturesque towns, stunning coastlines, and renowned sites. The region attracts scores of local and international tourists each year. Whether you’re stopping by or live locally, you best know the parking and bus lane rules. Otherwise, you could be faced with an East Sussex PCN.  What is a Penalty Charge […]
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VCS Parking Fine – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Did you get a VCS Parking fine? Do you think you might have to pay it, or could you challenge the fine? You could file an appeal if the parking fine was wrongly issued. But if it’s legit and correctly issued, paying it early could save you some money! Read on to find out whether […]
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Warrington PCN – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Warrington Borough Council might have sent you a type of fine recently that is commonly known as a Warrington PCN. If you’re one of the many unhappy recipients of these council fines, then you’ll want to know this. Read on for the key details.  What is a Warrington PCN? Warrington Borough Council can issue Penalty […]
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Epsom PCN – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Getting an Epsom PCN at any time is annoying. But when you feel it’s unjust and didn’t commit an offence, it’s even more so! I take a look at when you could challenge the PCN and when you may have to pay it and maybe save some money!  What is an Epsom PCN? You could […]
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Edmonton Parking Ticket – Pay or Appeal? 2022 Laws

Scott Nelson

Getting an Edmonton parking ticket is more than just annoying. It’s expensive and frustrating too! You may have the right to challenge the fine if you feel it’s unjust, or maybe the penalty was wrongly issued. Read on to find out the ins and outs of challenging an Edmonton penalty charge or whether paying it […]
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Bournemouth Parking Ticket – Pay or Appeal? Laws

Scott Nelson

A trip to the coast may have cost more than fish and chips or ice cream. If you recently visited Bournemouth and didn’t pay attention to council parking rules, you could be hit with a hefty Bournemouth parking ticket. Learn more about these and how to handle them here.  Bournemouth parking tickets explained A Bournemouth […]
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Derby PCN – Should I Pay or Appeal? 2022 Laws

Scott Nelson

A Derby PCN can be a nasty surprise. You probably didn’t even know you did something wrong to get this fine.  So what can be done about it? We reveal all you need to know about Penalty Charge Notices and what happens next.  What is a Derby PCN? A Derby Penalty Charge Notice (PCN) is […]
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AM Parking Services Ticket – Do I Pay or Appeal? 2022 Laws

Scott Nelson

Are you the disgruntled recipient of an AM Parking Services ticket? We can help you understand these parking tickets and your options in this MoneyNerd guide.  What is AM Parking Services Ltd? AM Parking Services Limited is a car park service provider, aiming to help private businesses operate a private car park. They’re a member […]
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Sainsbury’s Parking Fine – Should You Pay or Appeal? 2022 Laws

Scott Nelson

Has a Sainsbury’s parking fine made your weekly groceries more expensive? If so, you can learn what to do about it here.  Do you have to pay for Sainsbury’s car parks? Sainsbury’s car parks are free for genuine Sainsbury’s customers but time restrictions will apply.  This means you cannot park for free at Sainsbury’s if […]
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Wolverhampton PCN – Should I Pay or Ignore? 2022

Scott Nelson

Have you received a Wolverhampton PCN? I will be sharing the information below to help you decide whether you should pay or ignore the parking fine. I hope you’ll find this article useful in helping you come to the right decision. What is a Wolverhampton PCN? A PCN from Wolverhampton Council is a parking fine. […]
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Slough Parking Fine – Should I Pay or Appeal? 2022

Scott Nelson

Have you received a Slough Parking Fine? Are you left wondering if you should pay it or if an appeal is the best course of action? Today, I’ll be sharing how to make a payment and reduce the amount you owe by 50%. I will also let you know about the appeal process and what […]
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Lancashire Parking Fine – Should I Pay or Ignore? 2022

Scott Nelson

Should you pay or ignore a Lancashire parking fine? Find out what happens if you ignore a PCN issued by Lancashire County Council. I’ll also be sharing how to make a payment and how you can reduce the amount you owe by 50%. Find out everything you need to know to help you decide to […]
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Plymouth Parking Fine – Should I Pay or Ignore? 2022

Scott Nelson

Should you pay or ignore a Plymouth parking fine? In this article, I’ll share what happens if you choose to pay and how to pay. You’ll also learn the risks of not paying and the actions Plymouth City Council will take to claim the payment from you. I’ll also discuss the appeal option you have […]
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Bradford Council Parking Fine – Should I Pay or Ignore? 2022

Scott Nelson

Have you received a Bradford Council parking fine? Now you’re left wondering if you can ignore the fine or if you should pay. It’s important to know what will happen if you ignore the fine before making your decision. I’ll be sharing that information along with how to make a payment if you decide paying […]
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GXS Services Ltd – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Do you have to pay a parking ticket from GXS Services Ltd? We’ve answered this question in detail and covered some of the other most asked questions. If you’ve recently received a Parking Charge Notice from GXS Services, you’ll want to know this!  What is GXS Services Ltd? GXS Services Limited is a Worthing-based company […]
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Horizon Parking Sainsburys – Pay or Appeal? 2022 Laws

Scott Nelson

Are you wondering whether to pay or appeal a Horizon Parking Sainsburys fine? You could pay within 14 days to pay a lower amount. But should you? I explain who Horizon Parking is and how they manage car parks for the private landowner Sainsburys. I cover when you could appeal the fine and when you […]
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Key Parking Solutions – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Shocked to receive a Parking Charge Notice from Key Parking Solutions? You won’t be the last. This company is known to chase motorists for payment, but what can you do about it? Uncover what you really need to know here.  What is Key Parking Solutions? Key Parking Solutions is a car park management business which […]
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Park Watch – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Did you get a Park Watch fine, and wonder if it’s legally enforceable? You could have received the parking fine by post, or maybe it was left on your car. Either way, fines issued by private operators are invoices and not fines! I look at when you could appeal a Park Watch fine and when […]
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3D Parking – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Wondering if you should pay or appeal a 3D Parking fine? You’re probably not the only person to ask. More Parking fines on private land are issued than ever before, and people wonder if they have to be paid. I look at who 3D Parking is and how they manage private car parks. Then, I […]
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Newport Parking Ticket – Pay or Appeal? 2022 Laws

Scott Nelson

Are you wondering whether to pay or appeal a Newport parking ticket? Are you among the many people who think a penalty charge notice (PCN) is the same as a ticket you get on private land? This post delves into when you might have to pay a Newport parking ticket and when you could challenge […]
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LCP Parking Ticket – Pay or Appeal? 2022 Law

Scott Nelson

You could appeal an LCP parking ticket when you believe it’s unjust. Provided you can prove it. Mistakes do happen with ANPR getting it wrong from time to time. This post explains how to appeal or pay an LCP parking ticket. Moreover, I offer advice on what happens when you ignore a fine you get […]
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Dean Clough Parking – Should you Pay or Appeal? 2022 Law

Scott Nelson

Did you get a Dean Clough parking fine, and are you wondering if you should pay, appeal or ignore it? Unfortunately, many people find themselves asking the same question. I explain who Dean Clough is and how they manage their own car parks. Then I go on to explain when you could challenge the fine […]
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Buckinghamshire PCN – Do I Pay or Appeal? 2022 Laws

Scott Nelson

Have you recently received a Buckinghamshire parking fine? These types of parking fines are also known as a PCN or a Penalty Charge Notice. Parking fines are issued for several things, including parking on yellow lines, not paying the correct fees in a car park and many more.  We answer all the most common questions […]
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Stevenage PCN – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Did you get a Stevenage PCN and wonder if the charge notice is enforceable? Chances are you may have to pay. But not before checking the penalty was issued correctly! Read on to find out when you could appeal a penalty charge notice you get in Stevenage and when you may have to pay it. […]
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Oxford PCN – Should I Pay or Appeal? 2022 Laws

Scott Nelson

So, you’ve received a PCN in Oxford, and you’re wondering whether you should pay it or appeal. It isn’t very clear, is it? There are so many myths surrounding the issue and so much confusion that it is little wonder that you aren’t sure what to do. Don’t worry, though, because here at MoneyNerd, we […]
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CPS Parking Ticket Fine – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Getting a CPS parking ticket when you’ve done nothing wrong is more than just annoying. But you have the right to challenge the fine by following the operator’s procedure! This post takes a look at how CPS Parking manages car parks for landowners. I explain how you could appeal the fine and when you may […]
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Carmarthenshire Parking Fines – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Read up on Carmarthenshire parking fines here. We have answered the most asked questions about Penalty Charge Notices from Carmarthenshire County Council, so you’re best prepared to deal with these parking tickets.  What are Carmarthenshire parking fines? Carmarthenshire Council Council can issue parking fines to motorists who are guilty of a parking contravention on public […]
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Cambridgeshire Parking Ticket – Pay or Appeal? 2022 Laws

Scott Nelson

We’ve explained all you need to know about a Cambridgeshire parking ticket and what can happen if you don’t open your wallet to Cambridgeshire County Council. Learn the best ways to deal with a Penalty Charge Notice right here.  What is a Cambridgeshire parking ticket? A Cambridgeshire parking ticket is a parking fine issued by […]
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Napier Parking – Should I Pay or Appeal? 2022

Scott Nelson

Did you get a Napier parking fine and wondering whether to pay or appeal the ticket? Did you get back to your car 5 minutes late? If so, you could challenge the fine! Read more about parking fines on private land and the rules governing British Parking Association members. Who is Napier Parking? Napier Parking […]
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New Generation Parking Management – Pay or Appeal? 2022 Laws

Scott Nelson

Is a New Generation Parking Management fine really something you have to pay? Is it even considered a fine at all?  These are just two of the important questions we’ve answered about New Generation Parking Management. You need to know this!  What is New Generation Parking Management Ltd? New Generations Parking Management Limited is a […]
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Bank Park – Should You Pay or Appeal? 2022 Laws

Scott Nelson

Have you been stung with a Bank Park ticket and don’t know your rights? Maybe you received the parking ticket for parking in a free car park. Learn more about this and discover your options to deal with Bank Park in this MoneyNerd guide.  What is Bank Park? Bank Park is a car park operator […]
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PPS Parking – Should You Pay or Appeal? 2022 Laws

Scott Nelson

Who are PPS Parking and what is a PPS Parking Charge Notice? We answer these questions before diving into whether you have to pay these parking tickets. If you’ve received a PPS parking fine, this is the content you need to read.  What is PPS Parking? PPS stands for Private Parking Solutions and is a […]
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Ipserv Parking Charge Notice – Pay or Appeal? 2022 Laws

Scott Nelson

What really is an Ipserv Parking Charge Notice and do you have to cough up?  If you were in Ipswich recently you might have received one of these parking tickets. But are they a real fine and what can you do to push back.  Learn more in this new MoneyNerd guide.  What is Ipserv? Ipserv […]
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Enterprise Parking Solutions – Pay or Appeal? 2022 Laws

Scott Nelson

Are you taking a chance by not paying an Enterprise Parking Solutions Parking Charge Notice (PCN)? We discuss whether you have to pay and how you can appeal an Enterprise Parking Solutions fine. Let’s motor on!  What is Enterprise Parking Solutions Ltd? Enterprise Parking Solutions Ltd is a company that provides car park management services […]
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Regent Parking – Should I Pay or Appeal? 2022 Laws

Scott Nelson

What is Regent Parking and do you have to pay their fines? We’ve taken a long hard look at Regent Parking fines so you’re in the know. Discover the different options to deal with a Regent Parking fine below.  Who are Regent Parking? Regent Parking is a car park management service provider which helps clients […]
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HX Car Park Management – Should You Pay or Appeal? 2022 Laws

Scott Nelson

Should you pay an HX Car Park Management ticket? We answer this question and other questions about dealing with Parking Charge Notices from HX Parking. Uncover the important information with us.  What is HX Car Park Management Ltd? HX Car Park Management Ltd, sometimes known as HX for short, is a car park management service […]
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Tunbridge Wells PCN – Should I Pay or Ignore? 2022

Scott Nelson

Have you received a parking fine from Tunbridge Wells? This is a Tunbridge Wells PCN, which stands for Penalty Notice Charge. It’s a parking fine that cannot be ignored as it won’t just disappear. In this article, I will let you know how to pay, what happens if you ignore the PCN and what to […]
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Appeal Met Parking Guide – What You Should Do 2022

Scott Nelson

Our MoneyNerd appeal MET Parking guide has been written to help you understand the PCN appeals process to MET Parking Services. If you’re considering making a parking ticket appeal to MET Parking, you’ll want to hear this first. What is MET Parking Services? MET Parking Services is a car park management company that helps businesses […]
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QDR Solicitors Parking Fine Scotland – Should I Pay? 2022

Scott Nelson

Received a QDR Solicitors parking fine in Scotland? We explain who QDR Solicitors are and why they’re chasing you for an unpaid Parking Charge Notice. Uncover your options and possible outcomes with MoneyNerd here.  What is QDR Solicitors? QDR Solicitors is a legal firm that specialises in debt recovery. They could be considered a debt […]
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Durham PCN – Should I Pay or Appeal? 2022

Scott Nelson

After receiving a parking fine from Durham, also known as a Durham PCN, you may be questioning should you pay or appeal. Do you need to pay and clear the whole parking fine in full? Or can you appeal if you disagree with the fine? Today I’ll share the options you have available to you […]
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Parking Ticket 5 Minute Rule UK – What Are The Rules 2022

Scott Nelson

Do you know about the parking ticket 5-minute rule and how you could challenge a fine when it’s not applied? Motorists can appeal and have their tickets cancelled when a fine is issued before the grace period is up. Read on to learn more about the rules relating to the 5-minute rule. The rules still […]
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PCM Parking – Should I Pay or Appeal? 2022

Scott Nelson

Were you shocked to receive a Parking Charge Notice from PCM Parking?  You probably weren’t expecting this parking ticket, but do you have to pay it? We look at what could happen if you chose to ignore the parking ticket and your option to appeal the PCN.  What is PCM Parking? PCM Parking is a […]
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British Parking Association Code of Practice – 2022

Scott Nelson

When hit with a parking charge notice, one of the first things you will be wondering is whether you have to pay. After all, no one wants to pay for something they don’t need to be! Fortunately, the British Parking Association Code of Practice clarifies what parking operators can and can’t do when issuing parking […]
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Bristol PCN – Should I Pay or Appeal It? 2022

Scott Nelson

You have a Bristol PCN and you’re unsure if you should pay or appeal it. The action you take will depend entirely on the circumstances surrounding the fine. Here’s how to pay, how to have the fine reduced by 50% and what to do if you wish to appeal. I’ll also touch on what happens […]
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ES Parking Enforcement – Should I Pay or Appeal? 2022 Laws

Scott Nelson

Who are ES Parking Enforcement and do you really have to pay their Parking Charge Notices? We explain what could happen if you don’t pay and look at appealing your parking fine instead. Learn the important details below.  What is ES Parking Enforcement Ltd? ES Parking Enforcement Limited, also known as ESPEL, is a car […]
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What Happens If I Don’t Pay Bus Lane Fine? 2022 Laws

Scott Nelson

Ever asked the question, ‘what happens if I don’t pay bus lane fine’? You’re probably not the only person to wonder whether it’s worth paying or ignoring the charge. I look at how some local councils enforce bus lane rules and what happens when you don’t. Read on to find out more about bus lane […]
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One Parking Solution – Should I Pay or Appeal? 2022

Scott Nelson

Has One Parking Solution ruined your family outing or trip into town? They might have done if you parked in one of their car parks and unexpectedly received a Parking Charge Notice a few days later.  Lear all about One Parking Solution and what you can do about their Parking Charge Notices. What is One […]
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Sip Parking Fine – Should I Pay or Ignore It? 2022

Scott Nelson

You’re not alone if you got a Sip parking fine and are wondering whether to ignore or pay it. Getting a parking fine is never fun, especially when you feel it’s unfair. The one thing not to do is ignore the parking fine because it could get expensive. Read on to find out what happens […]
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Total Parking Solutions – Should I Pay or Appeal? 2022

Scott Nelson

Total Parking Solutions send out scary fines to motorists in the UK. If you have received a Total Parking Solutions fine and don’t know whether you should pay, this is the guide for you. Learn all about this company and their Parking Charge Notices here with MoneyNerd.  What is Total Parking Solutions? Total Parking Solutions […]
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First Parking – Should I Pay or Appeal? 2022

Scott Nelson

Has a recent trip to a hospital or university open day ended up costing you more due to First Parking? This private company can issue private parking tickets called Parking Charge Notices. Learn what to do when you receive one, right here.  Who are First Parking? First Parking is a car park management company that […]
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Mobile Speed Camera Rules – What You Need To Know 2022

Scott Nelson

Have you been caught speeding? Want to know more about mobile speed camera rules? Then this post is for you. Getting out of speeding fines is not as easy as you think, which I cover in this post. Read on to learn more about the rules governing mobile speed cameras. How does a mobile speed […]
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PCN Pay – Do You have to pay

Scott Nelson

Do you have to pay a PCN? Whether you found a PCN on your windshield or received one through the letterbox, the first question drivers usually ask is if they have to pay. We answer this question and related PCN queries here. Let’s start the engine.  What is a PCN? A Penalty Charge Notice (PCN) […]
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LC Asset 2 SARL on Bank Account – What Now? 2022

Scott Nelson

Have you noticed a payment going out to LC Asset 2 SARL on your bank account statement? Not sure who they are? We have you covered. After some extensive digging, we can connect this Luxembourg company to some UK businesses.  Beating Debt Collectors There are several ways to deal with debt collectors and improve your finances. Choosing […]
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PO Box 8743 Bellshill Debt Letter – Who is it? 2022

Scott Nelson

Have you received a PO BOX 8743 Bellshill debt letter and are left confused? You’re certainly not the only one, as this forum user states: Beating Debt Collectors There are several ways to deal with debt collectors and improve your finances. Choosing the right way to tackle your debt could save you time and money, but the wrong […]
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PO BOX 795 Telford TF7 9GG Letter – Who is it? 2022

Scott Nelson

Have you received a letter from PO Box 795 Telford, TF7 9GG? Who is it and is it a real or scam letter?  We answer these questions and what you can and shouldn’t do after receiving one of these scary letters. Read on for the details.  Beating Debt Collectors There are several ways to deal with […]
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NSL Parking – Should I Pay or Appeal? 2022

Scott Nelson

Do you have to pay NSL Parking when they send you a Parking Charge Notice (PCN)? We uncover who NSL Parking really are and your options to deal with an NSL PCN. You might even be able to get your private NSL parking ticket cancelled.  Who is NSL parking? NSL is a car park enforcement […]
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County Court Business Centre Parking Fine? Read This 2022

Scott Nelson

Are you wondering if you need to pay a County Court Business Centre parking fine you’re being chased for? You may be asking whether you should ignore it and what happens when you do. Read on to find out what the County Court Business Centre does and why you respond to correspondence they send you. […]
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Meteor PCN – Should I Pay or Appeal It? 2022

Scott Nelson

If you parked at train station or airport recently and didn’t pay the correct amount, you might have received a Meteor PCN. This is a private parking fine, otherwise known as a Parking Charge Notice. Learn how to deal with a Meteor PCN and what can happen if you don’t, right here.  What is Meteor […]
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Myparkingcharge – Should I Pay or Appeal? 2022

Scott Nelson

Have you received a parking fine that must be paid at myparkingcharge.co.uk? You’re probably wondering whether you should pay, ignore or appeal this fine. Cut through the noise and recommendations online with our myparkingfine explanation below.  What is Excel Parking Services? Excel Parking Services is a private UK company that offers services to private businesses […]
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Brighton and Hove Parking Ticket – Pay or Appeal? 2022

Scott Nelson

Did you get a Brighton and Hove parking ticket? Were you parked in a public or private place? Although they look the same, a Penalty Charge Notice is different from a Parking Charge Notice!  I explain what you should do about it and how you should deal with them in this post. Read on to […]
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Aldi Parking Fine – Should I Pay or Appeal? 2022

Scott Nelson

Have you received an Aldi parking fine, most likely from a company called Parking Eye? You’re probably flabbergasted at receiving this fine, especially if you shopped at Aldi when parked. Although Aldi car parks are free, there are some little-known rules which could make your weekly groceries a lot more expensive.  So, do you really […]
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Extra Energy Debt Letter – How to respond 2022

Scott Nelson

Did you get an Extra Energy debt letter, and are you wondering how to respond? If so, you’re not alone! I look at how you should respond when anyone contacts you about an Extra Energy debt. What you should do and what you should NOT do. Read on to learn more about being chased for […]
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Medway PCN – Should I Pay or Ignore It? 2022

Scott Nelson

What should you do after you receive a Medway PCN?  We discuss your three options to deal with a Penalty Charge Notice from Medway Council and what can happen if you ignore this fine. Make the right call with our guidance.  What is a Medway PCN? Medway Council can issue a Penalty Charge Notice (PCN) […]
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Do Parking Fines Expire UK? What You Need to Know 2022

Scott Nelson

Do parking fines expire in the UK? If you’ve just received a delayed parking ticket or have an outstanding parking ticket from a while ago, this is the guide for you.  We’ll be discussing whether UK parking fines can expire and how long car park companies have to send you the fine. You could be […]
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Average Mortgage Payment UK

Scott Nelson

Every property is different, and so are the finances for each family. However, if you are familiar with some of the average costs and interest rates associated with mortgages, you will at least have a starting point. Using information from GOV.UK and ONS, I’ve put together everything you need to know about the average mortgage […]
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Can My Ex Wife Claim Money After Divorce UK

Scott Nelson

Are you asking “can my ex-wife claim money after divorce?” The short answer is there is no time limit on how long an Ex can take you to Court to claim the money after a divorce if there’s no ‘consent order’. I explain the importance of ratifying a financial consent order and what happens when […]
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Arvato British Gas – Should I Pay or Ignore? 2022

Scott Nelson

Feeling the heat from Arvato about a British Gas debt? You’ve come to the right place. We’re here to provide clarity and support when dealing with an Arvato British Gas debt. Find out key information and your rights when dealing with this debt collection group, right here.  Beating Debt Collectors There are several ways to deal […]
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UK Car Park Management Parking Charge Notice? Read This 2022

Scott Nelson

Are you searching for information on UK Car Park Management Ltd and their Parking Charge Notices? If so, you’ve taken the right digital turn. We’re here to reveal all the important details about a UK Car Park Management Parking Charge Notice. Find clarity below!  What is UK Car Park Management Ltd? UK Car Park Management […]
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How Much Does a Divorce Cost in Scotland? 2022

Scott Nelson

How much does a divorce cost in Scotland? The costs of a divorce will greatly depend on the method you use to get divorced in Scotland. Join us as we clearly explain the two ways to get divorced in Scotland and how much each will cost. You might qualify for a cheap Scottish divorce.  How […]
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Salford Parking Fine – Should I Pay or Appeal? 2022

Scott Nelson

Have you been stung by an unexpected Salford parking fine? We explain more about these fines and your realistic options.  How do you pay for parking in Salford? There are multiple ways to pay for parking within Salford, including cash payments, card payments and various methods using a mobile phone. You might also be able […]
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Southampton Parking Fine – Should I Pay or Ignore? 2022

Scott Nelson

Can you ignore a Southampton parking fine, or do you have to pay? Below we’ve answered this question and other common questions about Penalty Charge Notices from Southampton City Council. Let’s uncover the facts.  What is a Southampton parking fine? A Southampton parking fine is a fine issued to a driver for an alleged parking […]
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Contractual Parking Charge Notice? Read This 2022

Scott Nelson

What is a Contractual Parking Charge Notice and do you have to pay it? We have everything you need to know about these private parking fines, right here! What is a Parking Charge Notice? A Parking Charge Notice is a parking ticket and fine from a private company. When you use a privately owned car […]
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How Long Do Police Have to Issue a Speeding Ticket? 2022

Scott Nelson

How long do the police have to issue a speeding ticket? This question has worryingly received lots of incorrect but popular answers online, which is misleading UK motorists.  The most popular online answers to this question confuse the Notice of Intended Prosecution (NIP) with the speeding ticket itself. We clear everything up and answer the […]
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What Happens if You Ignore a Speeding Ticket UK? 2022

Scott Nelson

What happens if you ignore a speeding ticket in the UK? It’s estimated that over two million UK motorists receive a speeding ticket each year. Most drivers agree to pay the fine and move on. But some people ignore their speeding tickets.  Is this a good idea? Find out below in this MoneyNerd guide.  UK […]
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PCN Leicester – Should I Pay or Appeal? 2022

Scott Nelson

Do you need to pay a PCN Leicester or can you get away with ignoring these fines?  We put Penalty Charge Notices from Leicester City Council under the microscope and explain what you can do to fight back. You’ll want to hear this!  What is a PCN fine? A Penalty Charge Notice (PCN) is a […]
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Newcastle Parking Fine – Should I Pay or Appeal? 2022

Scott Nelson

Have you recently received a Newcastle parking fine? This guide will tell you everything you need to know about Newcastle City Council parking fines and what will happen if you don’t pay. Uncover the different options to deal with your Penalty Charge Notice below.  What is a Newcastle parking fine? A Newcastle City Council parking […]
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Horizon Parking Fine Scotland – Pay or Ignore? 2022

Scott Nelson

What is a Horizon Parking fine (Scotland) and do you have to pay it? We explain all you need to know about Horizon Parking PCNs and your options to handle these situations.  What is Horizon Parking Scotland? Horizon Parking is a private car park operator which helps manage car parks for businesses, such as Tesco, […]
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How Long Does a Charging Order on a Property Last? 2022

Scott Nelson

If you’ve been issued with a Charging Order, you might want to know if it can expire. The truth is a Charging Order can expire, but it will depend on your location. Learn the fundamentals of Charging Orders and court processes here, as well as the answer to our main question.  What is a Charging […]
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Speeding Fine Received after 14 Days – What to Do 2022

Scott Nelson

Speeding fine received after 14 days – what does this mean for you? Read this guide to know your rights when receiving a Notice of Intended Prosecution after 14 days and all the caveats to the law. Knowing your rights could help you avoid paying a speeding fine.  Punishments when you’re caught speeding If you’re […]
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Help with Divorce Fees – What You Need to Know 2022

Scott Nelson

Are you considering a divorce or preparing for a divorce application? If so, you’ve probably started researching divorce costs and if they’re affordable.  But did you know that help with divorce fees is available in the UK, making it cheaper to get a divorce if you’re on state benefits or earn a low income? We […]
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Parking Eye Court Summons? What to do next 2022

Scott Nelson

Did you ignore a Parking Eye PCN and have now received a Parking Eye court summons? We explain your current position and your options to deal with court summons below. You need to read this first! What is Parkingeye Limited? Parkingeye Limited, also written as Parking Eye or ParkingEye, is a car park management company. […]
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Do Bailiffs Work Weekends in 2022? Your Questions Answered

Scott Nelson

Do bailiffs work weekends? If you’ve received a notice informing you that bailiffs are coming to your home, you can expect them to turn up on weekends. If bailiffs have already visited once or more, they can still turn up on the weekends. There are certain times and days that they should not come, which […]
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Free Divorce Advice UK – What’s Available? 2022

Scott Nelson

Are you looking for free divorce advice in the UK? We recap on the new divorce process launched in 2022 before discussing your options to receive free advice for a divorce. You don’t have to empty your bank account to get competent UK divorce advice. The UK divorce process simplified The UK divorce process changed […]
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Faulty Speed Camera – Everything You Need To Know 2022

Scott Nelson

Do you suspect you’ve been wrongfully issued a speeding ticket due to a faulty speed camera?  In this MoneyNerd post, we discuss how speed cameras work and how accurate they are. Read this if you want to challenge a camera or report a faulty speed camera in the UK. How can you get caught speeding? […]
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Premier Park Parking Charge Notice – Pay or Ignore? 2022

Scott Nelson

Have you received a Premier Park Parking Charge Notice and don’t know what to do or where to turn next? Lots of drivers receive these fines each year, so you’re certainly not alone. But that doesn’t help you deal with these fine, so what should you really do about them? Find out here.  What is […]
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Giving money away before divorce UK 2022

Scott Nelson

Are you thinking about giving money away before divorce proceedings are finalised? Maybe the split is acrimonious, and you don’t want to give your spouse as much as they’d like. The problem is that when you gift money before a divorce, the amount may still be included in a financial settlement. I look at how […]
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Reading PCN – Should I Pay or Appeal? 2022

Scott Nelson

After receiving a Reading PCN you’re probably questioning whether you should pay or appeal the parking ticket. In this article, I share the options you have open to you. Read on to find out if you should pay or appeal the parking fine. You will also find out what could happen if you decide to […]
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Mobile Speed Camera Photo Evidence – What Should You Do? 2022

Scott Nelson

Everything you need to know about mobile speed camera photo evidence is below. We’ve answered the most common questions about mobile speed camera photo evidence, including if it has to be provided to you.  UK speeding ticket recap You can be issued a Fixed Penalty Notice when you’re caught speeding by a police officer. Alternatively, […]
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Recovering Divorce Costs from Respondent – What to Do 2022

Scott Nelson

The process for recovering costs from a respondent in the divorce process has significantly changed as of April 2022. This guide will cover everything you now need to know about recovering divorce costs from your spouse from now on. How has the divorce process changed? The divorce process changed on 6th April 2022 to a […]
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Can Bailiffs Take My Car for a Parking Fine? 2022

Scott Nelson

Can bailiffs take my car for a parking fine? We’ll be answering this and related questions about bailiffs chasing parking fines here. Read on to uncover the answer.  What happens if you don’t pay a parking fine? What happens when you don’t pay a parking fine depends entirely on the type of parking fine you’ve […]
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Darlington PCN – Should I Pay or Ignore? 2022

Scott Nelson

What is a Darlington PCN and should you pay it? We discuss all your options when dealing with a PCN in Darlington, including paying, appealing and what can happen if you ignore the fine. Discover the details here.  What is a Darlington PCN? A Darlington PCN could refer to a Penalty Charge Notice from Darlington […]
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How to protect your money during divorce UK 2022

Scott Nelson

Are you wondering how to protect your money during divorce proceedings? You’re not alone. It’s a question that many people ask before, during and after a divorce! I provide advice on how you could protect your money when you divorce. Plus, I cover things like how a matrimonial pot is split and what happens when […]
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How To Start Over After Divorce With No Money 2022

Scott Nelson

You’re not alone if you’re wondering how to start over after divorce with no money. The divorce rate is expected to be around 44%, with more than 100,000 couples getting divorced in 2019. Divorce can be stressful, and the concept of starting again broke makes things worse. I take a look at the help and […]
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How To Get Out Of A Fixed Penalty Notice 2022

Scott Nelson

Did you get a fixed penalty notice? Wondering how to get out of paying it? Chances are you’ll probably have to pay. Unless the police made a mistake when issuing it. Read on to find out whether you can get out of paying a fixed penalty notice. Or whether you’ll have to bite the bullet […]
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Excel Parking Fines – Do I Have to Pay? 2022

Scott Nelson

Excel parking fines can be a real headache. If you’re currently facing Excel and trying to fight back against a parking ticket, you need to hear this. We explain what you shouldn’t and could do to take on Excel Parking. You might not have to pay!  What is Excel Parking? Excel Parking is a car […]
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Money After Divorce – What To Do Next 2022

Scott Nelson

Are you worried about your money after divorce and unsure what to do next? It’s stressful when you need to get your finances back on track and single again. Getting a divorce can be an anxious time for many couples. When it comes to finances, things may get complicated and contentious. This post provides advice […]
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Debt Collection Services – Should You Pay? 2022

Scott Nelson

Has panic set in because of a call or letter from Debt Collection Services Ltd? We are here to provide calm and solutions. Read this guide if you’re having to deal with Debt Collection Services and want to know how to fight back properly.  Beating Debt Collectors There are several ways to deal with debt collectors and […]
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CCJ for Parking Ticket – What Are the Laws? 2022

Scott Nelson

Is it possible to be issued a County Court Judgment because of a parking ticket? UK internet search trends tell us that lots of motorists have been asking this question.  So, is a CCJ for a parking ticket possible? Find out right here.  UK parking tickets explained Parking tickets in the UK can be issued […]
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Divorce Payment – What You Need To Know UK

Scott Nelson

Divorce payment can leave you feeling confused. More especially as the laws relating to divorce in England and Wales changed in April 2022. It’s when no-fault divorces were introduced. I look at the criteria that are considered when both parties agree on a settlement and when they do not. Plus, I explain what you could […]
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Do You Have to Pay for a Divorce? Complete Overview 2022

Scott Nelson

Do you have to pay for a divorce? If you’re asking this question, you’ve probably made a recent decision to end your marriage and want to know what the financial damage will be. Read on for the latest information.  New no-fault divorces There is a new divorce process in the UK as of April the […]
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Fraser Irvine – What You Need To Know 2022

Scott Nelson

Have you been contacted or visited by Fraser Irvine? If you’ve found yourself having to deal with this Glasgow-based company, there are things you need to know. We uncover key facts about Fraser Irvine and relay your rights. Let’s get into the details.  Beating Debt Collectors There are several ways to deal with debt collectors and improve […]
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Parking on Pavement Fine – What You Need to know 2022

Scott Nelson

Can you get fined for parking on a pavement? The rules are about to change and they could affect you. Learn everything you need to know about a parking on a pavement fine right here with MoneyNerd.  Is parking on the pavement illegal (UK)? Parking on the pavement is only considered illegal in London but […]
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Does Divorce Cost Money? What You Need to Know 2022

Scott Nelson

Does a divorce cost money? You might be considering asking your spouse for a divorce but first want to know how much it will cost. Many people stay in unhappy marriages because they think they cannot afford a divorce. But is that really the case? Join us as we look at the cost of a […]
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Luton Parking Ticket – Should I Pay or Ignore? 2022

Scott Nelson

Should you pay a Luton parking ticket? It’s the question on many motorists’ lips. But, of course, it would depend on what kind of ticket you got and whether it was given correctly! A parking charge is not the same as a penalty charge. You should deal with each differently. A because one is covered […]
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LCMS Limited – Should You Pay? 2022

Scott Nelson

Who are LCMS Limited and why do they chase people for money? We put this company under the microscope to see what they’re all about, and most importantly, answer whether you have to pay them. This post is for you if you’ve recently received a threatening LCMS Limited debt letter.  Beating Debt Collectors There are […]
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Cost of Divorce after 5 Years Separation 2022

Scott Nelson

What is the cost of divorce after 5 years separation? This question has become somewhat outdated as of 2022 and we’re here to explain why.  If you want to know about divorce costs after a long separation, read on!  Can I get an automatic divorce after 5 years? There is no such thing as an […]
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Lawton Hathaway Limited – Should You Pay Them? 2022

Scott Nelson

Has Lawton Hathaway Limited sent you a threatening letter? Did they ask for payment and threaten court action if you don’t cough up? We have answers and solutions for people in this situation. Join us as we reveal everything you need to know about Lawton Hathaway Debt Collection.  Beating Debt Collectors There are several ways […]
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How to Beat ANPR Parking – What You Should Know 2022

Scott Nelson

Do you want to know how to beat ANPR parking? We can’t promise you’ll get away without appealing, but we can explain the process with clarity and explain the best way to appeal a parking ticket. Let’s get into it.  What is ANPR Parking? ANPR Parking Services Limited is a car park management company. They […]
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Online Divorce Costs – What to Expect 2022

Scott Nelson

Have you been searching for online divorce costs? Want to know if it’s cheaper to get divorced using the online service? We recap on the costs of a UK divorce before answering key questions about online divorces and online divorce costs.  How much does a divorce cost (UK)? Money Helper states that the average cost […]
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Camelot Credit Solutions – Should You Pay? 2022

Scott Nelson

This post is for anyone who has received a debt letter from Camelot Credit Solutions Limited. The information below will provide clarity and solutions to your situation. Read on! Beating Debt Collectors There are several ways to deal with debt collectors and improve your finances. Choosing the right way to tackle your debt could save you time […]
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Transfer Money Before Divorce – What You Need to Know UK

Scott Nelson

The question ‘can my spouse transfer money before divorce’ is one that many spouses ask. The short answer is you can. But it changes nothing in a divorce settlement when you do. I look at UK divorce laws and what happens when one spouse transfers money before a divorce. Read on to find out more. […]
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BRS Collections – Should You Pay? 2022

Scott Nelson

Has BRS Collections sent you an intimidating letter and asked for payment? We know what you’re thinking; it has to be a scam, right?  Actually, BRS Collections is a genuine business so you shouldn’t ignore their scary debt letters. But does that mean you have to pay? Find out below.  Don’t worry, here’s what to […]
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Bankruptcy Statistics in the UK – 2022

Scott Nelson

In January 2022, there were 32% fewer bankruptcies than in January 2021, and 63% fewer than in January 2020. With the help of a combination of ONS and .Gov data, we could see trends in debt levels as well as changes in bankruptcy rates across various demographics such as region, gender and age. Bankruptcy Statistics […]
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Can You Get a Parking Ticket While in the Car UK? 2022

Scott Nelson

Can you get a parking ticket while in the car? Whether you sat in your car keeping an eye out for parking wardens or arrived at your car a minute too late, we have the answer here. Read on to uncover whether you can really be issued a parking ticket while in your car.  Types […]
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Are You Owed Money – Should You Pay? 2022

Scott Nelson

Have you been contacted by Are You Owed Money Ltd asking for money? Before you tear up the letter and assume it’s a scam, there are things you need to know. Learn how to deal with Are You Owed Money Ltd here with our help.  Don’t worry, here’s what to do! There are several debt […]
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Divorce Unreasonable Behaviour – Who Pays? 2022

Scott Nelson

Unreasonable behaviour doesn’t have to be used as a reason to get a divorce anymore. But unreasonable behaviour could still influence who pays which divorce costs and how much they pay.  Read on to get an update on the new divorce application process as of April 2022 and learn about unreasonable behaviour and divorce costs.  […]
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Richmond Parking Tickets – Pay or Ignore? 2022

Scott Nelson

If you’ve recently been to Richmond, your visit might have been soured with a parking fine. We’re here to discuss the different types of Richmond parking tickets and your options to deal with them.  Richmond parking tickets You can get two types of parking tickets in Richmond. You can get a parking ticket from the […]
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Who Pays Solicitors Fees in a Divorce UK

Scott Nelson

Who pays solicitor fees in a divorce (UK)? You may or may not have to pay all of your solicitor fees to apply for a divorce. Learn the basics about divorce solicitor fees and who pays – right below.  Do you need a solicitor to apply for a divorce? Some people use a solicitor to […]
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When Is a Divorce Costs Order payable? 2022

Scott Nelson

When is a divorce Costs Order payable? As part of your divorce, you may have been told to pay your ex-spouse some of the divorce costs they incurred. Or you may be the person who is due money from your ex.  We put Costs Orders under the microscope here to answer your common questions.  How […]
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Removing Clamp From Car? What You Need To Know 2022

Scott Nelson

Were you clamped recently? And would you like to know more about removing a clamp from your car? If so, you’re definitely not alone. I’ve gleaned information on the laws that cover when and why a vehicle can be clamped. Plus, I explain how UK law changed how debts are enforced by bailiffs and enforcement […]
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McDonald’s Parking Fine – Pay or Appeal? 2022

Scott Nelson

McDonald’s is getting more expensive. But a burger and fries shouldn’t be setting you back over £50. Well, it could do if you’re hit with a McDonald’s parking fine after your visit.  We take a look at how you can get a McDonald’s parking ticket in their free car parks, and most importantly, what you […]
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Quick Divorce UK Cost – What You Should Expect 2022

Scott Nelson

How do you get a quick divorce and how much does a quick divorce cost in the UK? This post is for anyone approaching a divorce application and wants to know about quickie divorces and quick divorce UK costs.  What’s the quickest you can get a divorce in the UK? You can apply for a […]
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Are Lidl’s Car Parking Fines Enforceable? 2022

Scott Nelson

Lidl might be one of the cheaper supermarkets that UK shoppers flock to, but your trip can become a lot more expensive if you end up with a Lidl parking fine.  This post is written for anyone who has recently received a Lidl parking ticket. Learn more about these fines and your rights with us.  […]
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How to Get Divorced for Free 2022

Scott Nelson

“Can I get a divorce for free?” This is a question that gets asked by lots of unhappy spouses across the UK. Sometimes the average cost of a divorce can be what keeps some people in their unhappy marriages. But are you really stuck in an unhappy marriage because a divorce usually costs money?  Let’s […]
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Avro Energy Debt – Pay or Ignore? 2022

Scott Nelson

Did you have an Avro Energy debt when the supplier went into administration last year? Are you wondering whether or who you have to pay? Needless to say, you’re not the only one. I look at what happens to customers in debt now that Avro Energy has gone bust. I offer some advice on what […]
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Morrisons Parking Fine – Do I have to Pay? 2022

Scott Nelson

Did a recent trip for your bread and milk get a whole lot more expensive than you expected? Believe it or not, but you can get a Morrisons parking fine despite Morrisons car parks being free to use.  So, how does a Morrisons parking fine come about, and do you really have to pay? Learn […]
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How Much Does a Divorce Cost if It Goes to Court? UK

Scott Nelson

How much does a divorce cost if it goes to court? The total cost of a divorce can significantly increase if the matter has to go to court.  But it all depends on whether the divorce goes to court because one party disagrees with getting the divorce or if it goes to court to help […]
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Ovo Energy Debt Collection – Pay or Ignore? 2022

Scott Nelson

Have you been contacted by an Ovo Energy debt collection agency? Are you worried about what to do? Then you are definitely not alone. Many households in the UK face energy debt issues and seek help and advice. I explain what you should do when you fall behind with your energy payments. How to deal […]
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How can I hide money before divorce? UK 2022

Scott Nelson

You’re not alone if you’re asking how I can hide money before divorce proceedings. You might be worried about losing out financially when you split up. The problem is, by law, both parties must make full and frank disclosures about their finances or face the consequences! I look at the law that governs divorce in […]
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Together Energy Debt Collection – Should you Pay? 2022

Scott Nelson

Have you been contacted by a Together Energy debt collection agency and wondering if you should pay? Unfortunately, since February 2022, the company has been in administration, which worries many householders. I explain what to do if you’ve been contacted by a debt collector over an unpaid amount you owe. When you are in debt, […]
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Is There a Fine for Parking on Double Yellow Lines? 2022

Scott Nelson

Is there a fine for parking on double yellow lines? And if so, how much is the fine for parking on double yellow lines? These are just some of the questions we’ll be asking and answering here. Read on for clear answers to common motorist questions. What is the rule for double yellow lines? The […]
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Can I expect Bailiffs for Private Parking Fines? 2022

Scott Nelson

Do you have an outstanding parking fine, or maybe a few? Is the operator chasing you for payment? Can I expect bailiffs for private parking fines is a question many motorists ask, and for a good reason! I look at what happens when you don’t pay or appeal a fine you got on private land. […]
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How Much Does a Divorce Cost if Both Parties Agree? 2022

Scott Nelson

How much does a divorce cost if both parties agree? There’s no doubt that a divorce can be a lot cheaper if both parties are in agreement and are ending their marriage amicably and respectfully. So, how much does a divorce cost when both parties agree? Let’s get into it.  New divorce process – April […]
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Divorce Fees UK – Complete Overview 2022

Scott Nelson

Have you been looking for a complete overview of the fees involved in a UK divorce? You’re in the right place. Our divorce fees UK guide covers all of the common fees that you could end up paying to get divorced.  Whether you’re considering divorce or just taking the first steps to a legal split, […]
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Bulb Energy Debt – Pay or Ignore? 2022

Scott Nelson

Do you owe money to an energy supplier? If you have a Bulb Energy debt and are worried about what to do, this post is for you. I look at how debt collection is big business in the UK, with more agencies chasing people for money than ever before. Read on to find out what […]
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BPA Parking Fine – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Do you think you got a BPA parking fine? You’ll probably find it’s either a fake Parking Charge Notice or it’s from a legitimate private parking company. The British Parking Association (BPA) provides a service to operators, but the BPA does not issue fines to motorists. I look at the role of the BPA. Then, […]
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IPC Parking Fine – Appeal or Pay? 2022

Scott Nelson

Did you get an IPC parking fine? Be careful because the IPC doesn’t issue fines. In short, it could be a fake Parking Charge Notice.  I explain the role of the IPC and how they deal with appeals when motorists challenge fines on private land. You’ll also find information on dealing with a fake Parking […]
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CP Plus Payments – Pay or Appeal? 2022

Scott Nelson

Have you been hit with an unexpected parking fine from CP Plus? Maybe it was left on your windshield or it could have been sent in the post?  Don’t put your head in the sand to try and avoid paying. That rarely works with these fines. Instead, get clear information and support below.  Who is […]
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Can bailiffs take a car on finance? 2022

Scott Nelson

Can bailiffs take a car on finance? The answer is no. The car isn’t legally yours until you make the final payment on the credit agreement. However, the law isn’t so clear cut, so sometimes bailiffs will still take a car on finance, or at least try to. It’s important to do your research before […]
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Advanced Collection Systems – What You Need to Know 2022

Scott Nelson

Has an old utility debt come back to haunt you? Advanced Collection Systems might be chasing you for money with frequent calls and threatening letters.  If that’s the case, learn how to fight back within your rights and how to reply to their intimidating letters. We’ve got key information right here.  Beating Debt Collectors There […]
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Does My Husband Have to Pay for My Divorce Lawyer? UK

Scott Nelson

Does my husband have to pay for my divorce lawyer? This is a question asked by partners who are preparing for a divorce, usually when they believe their husband has been the cause of the breakdown of the marriage, such as after an affair.  So what does the law say? Who pays for a divorce […]
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Parking Charge Limited – Pay or Appeal? 2022

Scott Nelson

Has your day been ruined by a Parking Charge Limited fine coming through your letterbox? We discuss what these fines are and if you really have to cough up. Learn more about Parking Charge Ltd and their parking tickets here.  What is Parking Charge Limited? Parking Charge Limited is a private car park operator that […]
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DSL UK Debt Collection – Should You Pay? 2022

Scott Nelson

Should you pay an overdue invoice being chased by DSL UK Debt Collection? Pet owners might have received one of these scary debt letters in the post. If that sounds familiar, you’re in the right place. Read on!  Beating Debt Collectors There are several ways to deal with debt collectors and improve your finances. Choosing the right […]
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Divorce Costs UK – Who Pays? 2022

Scott Nelson

Who pays divorce costs in the UK? This is a good question that you should be asking if you’re thinking about getting divorced or just starting the process.  There is a standard answer to this question, but there are also situations which could change who pays what. Read on to learn who pays divorce costs […]
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Digital DRA – Who Are They? 2022

Scott Nelson

Has a Digital DRA email or text message caused you to worry and stress? You’ve probably been asked to pay an older debt. But do you really have to pay? Learn the key details right here!  Beating Debt Collectors There are several ways to deal with debt collectors and improve your finances. Choosing the right way to […]
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Divorce and Money – What You Need To Know 2022

Scott Nelson

Divorce and money? It can be an issue if you’re not prepared for what may happen when you decide to split up. I look at divorce finance in this post and how to organise things, so it’s less painful. Read on to learn more about what you should and should not do. Can you and […]
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Brilliant Energy Debt Recovery – Pay or Ignore? 2022

Scott Nelson

Have you received a Brilliant energy debt recovery letter? If so, be careful. It could be a scam. The supplier went bust in March 2019, and customers were moved to SSE. There have been reports of scammers taking advantage of the situation. So, I offer advice on what to do if you receive a letter […]
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Euro Car Parks Fine Scotland – Pay or Appeal? 2022

Scott Nelson

Are you one of the many people wondering whether to pay or appeal a Euro Car Parks fine in Scotland? Are you wondering if a private parking charge is enforceable in Scotland? I explain who Euro Car Parks are, when you might have to pay and the reasons why you could appeal the charge. Read […]
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Athena Collections – Do You Have To Pay Them? 2022

Scott Nelson

Have you been left shaken after receiving an Athena Collections debt letter? Who are they and do you have to pay? These are just some of the important questions we’ll be answering in this Athena Collections debt letter guide.  Beating Debt Collectors There are several ways to deal with debt collectors and improve your finances. Choosing the […]
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How Much Does a Divorce Cost? 2022

Scott Nelson

MoneyHelper states that 42% of marriages end in divorce, and when they do, finance becomes a hot topic.  Not only do you need to decide how to split joint finances and assets, but you also have to work out how much getting the official divorce will cost. The cost of a divorce might even be […]
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Npower Prepayment Meter Debt – What to do first 2022

Scott Nelson

Have you got a Npower prepayment meter debt and are wondering what to do? With energy being more expensive, you’re definitely not alone. This post offers advice on what to do first and where to get guidance and support. Read on to find out what to do first when you have a Npower prepayment meter […]
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Divorce Money Split – How it works 2022

Scott Nelson

Divorce and money issues can leave you feeling anxious about your financial future. It’s when you need to stay on top of things. Knowing how it works gets you through a difficult time. I offer some advice on what you can do to make things easier for both parties. Read on to find out more. […]
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Mercia Utility Services Limited – Who Are They? 2022

Scott Nelson

Who are Mercia utility Services Limited and do you have to pay them? This company might have recently contacted you asking you to pay an older debt. So, is this a scam or do you really have to pay? We discuss all your viable options below!  Beating Debt Collectors There are several ways to deal with […]
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Lackfords Debt Recovery – Do You Have to Pay? 2022

Scott Nelson

Do you have to pay Lackfrods Debt Recovery? This is a question being asked by lots of people who have received a scary letter in the post.  There may be times when you have to pay, and there are other occasions when you can fight back. Learn more about your debt situation with Lackfords below. […]
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Manchester PCN – Pay or Appeal? 2022

Scott Nelson

Did you get a parking ticket in Manchester? Was it in a private car park or in a public place? Getting a parking ticket is never amusing and knowing when to pay or appeal can be confusing. I look at how to deal with a Penalty Charge Notice (PCN) and Parking Charge Notice. They may […]
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SSE Debt Collection – Should you Pay? 2022

Scott Nelson

Energy costs have been rising in recent times and many households are now struggling to pay their energy bills to providers such as SSE. If you haven’t been able to keep up with what you owe, you might be referred to the SSE Debt Collection team – but do you have to pay? It’s never […]
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Legal Recovery and Collections – Should You Pay? 2022

Scott Nelson

Need help fighting back against Legal Recovery and Collections? We provide clear answers to some of the most asked questions about this company. And we answer the big one – do you have to pay Legal Recovery and Collections? Uncover key details to push back, right here.  Beating Debt Collectors There are several ways to deal […]
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Parking Tickets Cambridge – What You Need To Know 2022

Scott Nelson

Have you been issued a parking ticket in Cambridge? Was it given by a traffic warden or a parking attendant in a private car park? There’s a difference between a Penalty Charge Notice and a Parking Charge Notice. You should not deal with them the same way! I explain the difference between the two parking […]
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Expert Collections – Should You Pay? 2022

Scott Nelson

Have you just opened an Expert Collections debt letter and come straight online for help? You’ve found it. We discuss everything you need to know about Expert Collections and whether you really have to pay them.  In this post, you’ll uncover clever replies to their scary letters, which might get you off the hook.  Beating […]
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Parking Ticket Rules UK – What You Need to Know 2022

Scott Nelson

Have you received a parking fine and want to know more about parking ticket rules (UK) to see what you can do about it?  If you answered yes, you’ve come to the right place. We’re here to recap the two common types of parking fines and discuss some parking ticket laws and rules that could […]
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DCBL Parking Fine Scotland – Should You Pay? 2022

Scott Nelson

Did you get a DCBL letter about a parking fine in Scotland? Are you wondering whether it’s legit? Rest assured, you’re not the only person to ask the question about this firm of bailiffs. I look at who DCBL are and why you should take any correspondence from them seriously. Read on to find out […]
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Parking Eye Scotland – Pay or Appeal? 2022

Scott Nelson

Did you get a Parking Eye Scotland fine and wondering if you should pay or appeal it? Many motorists are asking the same thing because mistakes have been made when issuing the charges. I look at why you may have to pay a Parking Eye Scotland fine, and when you could appeal it. Read on […]
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Hellix Ltd – Should You Pay Them? 2022

Scott Nelson

Who are Hellix Ltd and why are they contacting you for a payment? Are they a scam or do you really owe this money? We answer these important questions and provide clear info all about Hellix Limited. Who is Hellix Limited? Hellix Limited is a UK company that offers debtor tracing and debt recovery services. […]
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How to Get Out of Black Horse Finance in 2022

Scott Nelson

How can you get out of a Black Horse Finance agreement? Can you return the vehicle and stop making payments to prevent bigger arrears? These are the questions we’ll be answering in this post.  Who is Black Horse Finance? Black Horse, also known as Black Horse Finance, is a vehicle financing company. UK residents can […]
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Parking Fines UK – Everything You Need to Know 2022

Scott Nelson

Want to know all the fundamentals about parking fines in the UK? This parking fines UK guide is your crash course – pun not intended – into the two types of UK parking fines and whether you have to pay them.  Parking fines UK There are two types of parking fines in the UK.  A […]
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Black Horse Finance Bad Credit – Is It Possible? 2022

Scott Nelson

Is it possible to get Black Horse finance when you have an unsatisfactory credit score? Find out if people with bad credit can get car finance, and specifically Black Horse finance, right here.  What is Black Horse? Black Horse is a vehicle financing company offering Hire Purchase (HP) Agreements. These agreements help UK residents to […]
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Can I Get a Black Horse Finance Payment Holiday? 2022

Scott Nelson

Black Horse is a finance company providing financing agreements to people who want to purchase a new or used car, motorbike or caravan.  Many Black Horse customers run into a spot of financial difficulty during their financing agreement, leaving them wondering if they can take a Black Horse Finance payment holiday? This MoneyNerd guide will […]
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Cardiff Council Parking Fine – What To Do 2022

Scott Nelson

Did you get a Cardiff council parking ticket, and are you wondering whether to pay or appeal it? You could challenge a Penalty Charge Notice for several reasons. But you may have to pay if you committed a parking violation on public land! Read on to find out whether you could appeal a council PCN […]
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Havering PCN – Pay or Appeal? 2022

Scott Nelson

Were you given a parking ticket in Havering? If so, you may be wondering whether you have to pay it or if you could appeal the fine? First you need to find out whether it’s a Penalty Charge Notice or a Parking Charge Notice. I explain the difference between a parking fine on private land […]
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Overdales – Everything You Need to Know 2022

Scott Nelson

Has an Overdales debt letter landed on your doormat? We help you understand who Overdales Solicitors are and what they can and can’t do. Most importantly, we discuss whether you should pay them or not.  What is Overdales Legal? Overdales Legal Limited is a law firm specialising in debt collection. They’re also known as Overdales […]
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District Enforcement Appeals – What You Need to Know 2022

Scott Nelson

If you need information on the District Enforcement appeals process, you came to the right place. We look at how to appeal against a District Enforcement parking fine and what to do if they reject your first appeal. Let’s get into it! What is District Enforcement? District Enforcement is a car parking service provider, helping […]
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Redroute PCN – Pay or Appeal? 2022

Scott Nelson

What is a redroute PCN and should you pay it? If you drove down (and perhaps parked) on some of London’s busiest roads recently, you may have been stung with a red route Penalty Charge Notice. We discuss these fines and what you can do about them below.  What is a Penalty Charge Notice (PCN)? […]
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Private Parking Fines Scotland – Pay or Appeal? 2022

Scott Nelson

Did you get a private parking fine in Scotland? Not decided whether to pay or appeal it? First, let’s set the record straight. Private parking notices are not fines. They’re invoices that landowners and operators raise! Read on to find out whether you’d have to pay or appeal private parking fines in Scotland. Private parking […]
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POPLA Appeal 2022 – Everything You Need to Know

Scott Nelson

Read our informative guide before you make a POPLA appeal this year. We’ve covered all bases to help you prepare an effective POPLA appeal and prevent you from missing any deadlines.  Let’s motor on! What is a Parking Charge Notice? A Parking Charge Notice is the name for a parking fine that is issued by […]
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Parking Ticket Lawyer – Do You Need One? 2022

Scott Nelson

Do you need a parking ticket lawyer to fight a private parking fine? We take a look at the Parking Charge Notice appeals process and discuss whether a parking ticket lawyer is necessary. Let’s motor on!  Parking Charge Notice recap Parking Charge Notices are private parking fines that are issued by landowners and private car […]
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Can Bailiffs force entry with a Locksmith? 2022

Scott Nelson

Can bailiffs force entry with a locksmith? No, bailiffs cannot force entry with a locksmith without a warrant that permits them to do so. You can check to see if a bailiff has the enforcement power allowing them to use a locksmith by asking to see the writ issued from the court or a warrant. […]
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How long can a Bailiff clamp my car for? 2022

Scott Nelson

2 hours is the minimum time a bailiff can clamp your car for. If you fail to pay off the debt or make a repayment offer within 2 hours, the bailiffs can take your car. In this article, I share detail answering your question ‘’how long can a bailiff clamp my car for?’’. I’ll also […]
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Is a Fixed Penalty Notice a Criminal Offence? 2022

Scott Nelson

Is a Fixed Penalty Notice a criminal offence? We’ll be answering this question and many more frequently asked questions about Fixed Penalty Notices, right here.  What is a Fixed Penalty Notice? Fixed Penalty Notices (FPNs) are usually issued by the police for a wide range of motorist offences, such as speeding or driving without insurance. […]
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How to get a High Court Writ set aside? 2022

Scott Nelson

You must apply to the High Court district registry if you want to set aside the judgement. If successful, the enforcement action will stop, and you won’t have to pay the bailiff fees. If you want to know how to get a high court writ set aside look no further. I’ll share who can apply […]
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Park With Ease – Should You Pay or Appeal? 2022

Scott Nelson

What is a Park With Ease fine and should you pay? We look at all your options after being hit with a Park With Ease parking fine, including the option to appeal. Uncover your rights and fight back against Park With Ease the right way.  What is Park With Ease? Park With Ease is a […]
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Initial Parking Fine – Should You Pay or Appeal? 2022

Scott Nelson

Should you pay or appeal an Initial Parking fine? We discuss the important details about private parking tickets and how to deal with one from Initial Parking. Read on if you want to know your rights.  What is Initial Parking? Initial Parking is a car park management company offering to manage car parks for private […]
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Pay Parking Ticket – Guide and FAQs 2022

Scott Nelson

How do you pay parking tickets in the UK? We answer this question while considering the different types of parking tickets you can receive. If you have a parking fine and want to pay, this is the guide for you. What are the different types of parking tickets? There are two types of parking fines […]
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Minster Baywatch – Should You Pay or Appeal? 2022

Scott Nelson

If you received a Minster Baywatch parking fine and don’t know what to do, you’ve already steered yourself to the right place. We provide a detailed understanding of Minster Baywatch and what they do. Learn more about their fines and how to handle them by reading on!  What is Minster Baywatch? Minster Baywatch is a […]
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Charge Certificate – What You Need to Know 2022

Scott Nelson

If you have received a Penalty Charge Notice from a local authority or transport group, you may have also received or been threatened with a charge certificate. But what really is a charge certificate and what can you do about them? We have everything you need to know about charge certificates here. But let’s start […]
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Parking Fines Not Enforceable in Scotland? 2022

Scott Nelson

Are there any parking fines not enforceable in Scotland? No, you’ll get a ticket if you commit parking violations on private or public land. However, a fine on public land is not the same as a parking charge on private land. Read on to find out whether all parking fines in Scotland are enforceable! What […]
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DCBL Parking Fine – Should You Pay? 2022 Laws

Scott Nelson

Received a letter about a DCBL parking fine? This is a private parking fine you owe to a car park operator but is now being chased by DCBL. Before you assume it’s a scam or bin the letter, you need to hear this.  What is DCBL? Direct Collection Bailiffs Limited (DCBL) is a debt collection […]
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Is It Possible To Get My Council Tax Debt Written Off? 2022

Scott Nelson

If you’re struggling with council tax and are wondering, is it possible to get my council tax written off? There are debt solutions that can include writing off council tax debt. These include IVAs, bankruptcy and debt relief orders. However, with an IVA, the creditor (the council) must agree. The council can also write off […]
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Blackthorne Utilities – What You Need to Know 2022

Scott Nelson

Who are Blackthorne Utilities, why are they contacting you about a debt to your energy supplier – and why did they make the news recently? We have everything you need to know about Blackthorne Utilities Limited, right here!  Beating Debt Collectors There are several ways to deal with Blackthorne Utilities and improve your finances. Choosing the right […]
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Parkmaven Appeal – Should you Pay? 2022

Scott Nelson

Was your Parkmaven appeal rejected? Are you wondering whether you’ll have to pay? You can take the matter to an independent appeals service if you’re not happy with the operator’s decision. I look at who Parkmaven is and how they deal with Parking Charge Notices and appeals. And I explain what to do when a […]
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P4 Parking – Should you Pay or Appeal? 2022

Scott Nelson

P4 Parking is a private company with customers throughout England and Scotland. When you get a parking fine from the operator, you have the right to appeal it. However, you must show the ticket was incorrectly issued or that the amount is prohibitive! To find out more, check out my post on when to appeal […]
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Clear Castle Limited – What You Need to Know 2022

Scott Nelson

Has a letter arrived from Clear Castle Limited or Waters and Gate? Does this letter ask you to pay a debt, leaving you worried or confused? You’re not alone! Lots of people receive these scary debt letters from Clear Castle Limited each year. And we’re here to explain what they really are and your options […]
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Gemini Parking Solutions Appeal – Should you Pay? 2022

Scott Nelson

Gemini Parking Solutions is a private company that provides parking solutions for private and commercial clients nationwide. When they issue a parking ticket, you have the right to appeal the fine. However, if it is correct, you may have to pay. I take a look at who Gemini Parking Solutions are and how they deal […]
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Armtrac Security – Pay or Appeal? 2022

Scott Nelson

Did you get a fine from Amtrac Security for a parking infringement? Wondering whether to appeal or pay it? Motorists in Cornwall are probably asking the same thing! I look at how Amtrac Security operates as a private management company for landowners. I advise when to appeal a parking fine and when you might have […]
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Parallel Parking ltd – Should you Pay or Appeal? 2022

Scott Nelson

Many motorists get Parallel Parking fines and ask if they should appeal the fine. The thing is that fines you get from private operators are Parking Charge Notices. Although they are designed to look the same, they are not Penalty Charge Notices. They are invoices! I explain who Parallel Parking is, whether the operator is […]
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Ophelos – Everything You Need to Know 2022

Scott Nelson

Did Ophelos make contact with you to discuss account arrears? You might be wondering who Ophelos are and if you have to pay?  If that sounds like you, this is the guide you need to read. You’re going to want to hear this to help you out of your current situation. Let’s waste no time.  […]
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Met Parking Services – Should you Pay or Appeal? 2022

Scott Nelson

Met Parking Services are authorised to hand our Parking Charge Notices to motorists by landowners who own the land. You shouldn’t automatically pay a fine you receive on private land. First, you should check that it was given correctly and that you deserved the penalty! In short, if you’re wondering if you should pay or […]
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​​Private Parking Solutions – Should You Pay or Appeal? 2022

Scott Nelson

Who are Private Parking Solutions and should you pay them? This post is for anyone who has received a private parking fine, or specifically a Private Parking Solutions PCN. Find out if you have to pay and how to challenge the parking ticket, right below.  Who are Private Parking Solutions?  Private Parking Solutions is a […]
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P&J Debt Collection – Should You Pay? 2022

Scott Nelson

Have you been contacted by P&J Debt Collection to pay an outstanding invoice? Whether you recognise the bill or not, this is the post for you. We cover all you need to know about P&J Consumer Debt Services and what to do when you receive one of their scary letters.  Beating Debt Collectors There are […]
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Parking Eye Watchdog – What You Should Know 2022 Laws

Scott Nelson

Have you seen the Watchdog Parking Eye scam? Did it leave you wondering whether a ticket you got was legit? Many motorists complain about Parking Charge Notices they get for a good reason. Moreover, it turns out that some private operators admit their latest technologies don’t always work! I look at who Parking Eye is. […]
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Vehicle Control Services – Pay or Appeal? 2022

Scott Nelson

“Hello, I got a parking ticket on my partner’s car from Vehicle Control Services LTD. It says they’re a member of IPC […]” Sezie (Money Saving Expert Forum} Does this sound familiar? It’s because Vehicle Control Services Limited is one of the biggest private car park operators in the UK. And they send out a […]
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Apcoa Parking Fine – Pay or Appeal? 2022 Laws

Scott Nelson

Should you pay an Apcoa parking fine? You may have received an Apcoa Parking Charge Notice in the post or left on your vehicle, leaving you confused about what to do next. We ask whether you need to pay these “fines” and look at some other options.  What is Apcoa? Apcoa is a private car […]
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Village Investigations Ltd – Do You Have to Pay? 2022

Scott Nelson

Village Investigations Ltd or Vilcol send out threatening debt letters on behalf of their clients. These letters can be intimidating, and aggressive and make you feel like there is no other option but to cough up.  But do you really have to pay Village Investigations Ltd after receiving a debt letter? We answer this question […]
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Can bailiffs take a car not registered to me? 2022

Scott Nelson

Can bailiffs take a car not registered to me? The answer is yes. Bailiffs can take your car if it isn’t registered to you. This is because the registered keeper of the vehicle isn’t the owner. Bailiffs will take your car even if you’re not the vehicle registered keeper. If you’re worried about bailiffs coming […]
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Gladstones Solicitors Parking Fine – Should You Pay? 2022

Scott Nelson

Has Gladstones Solicitors recently contacted you about unpaid account arrears or a private parking ticket? If so, you can take a little bit of comfort knowing you’re not alone. But you can take even more comfort and achieve clarity by knowing what to do next.  This post is dedicated to any motorist who has recently […]
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Watch Portfolio Management Debt – Simple review 2022

Scott Nelson

If you’ve got multiple debts and need help getting back on the right track, you could consider using a debt management company like Watch Portfolio Management.  Although this company doesn’t exclusively offer debt solutions, it can still help. Learn more about Watch Portfolio Management and alternative options below.  Who is Watch Portfolio Management? Watch Portfolio […]
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Redcastle Recoveries Debt – Do You Have to Pay? 2022

Scott Nelson

Redcastle Recoveries Debt Collection is well-known for sending out payment requests, calling supposed debtors numerous times and threatening legal action.  So, do you have to pay Redcastle Recoveries Debt Collection or can you throw their scary letters in the bin? Find out in this guide!  Beating Debt Collectors There are several ways to deal with Redcastle […]
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BFL Solutions Debt – Should You Pay? 2022

Scott Nelson

Who are BFL Solutions and should you pay them? You might be getting chased by this company for a payment and don’t know where to turn or if you should pay. If this rings true, you’ve come to the right place.  We provide the key details on BFL Solutions and reveal some of your options […]
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Goodwins Credit Management – Should You Pay? 2022

Scott Nelson

Should you pay Goodwins Credit Management after receiving one of their scary letters? We discuss your options and how you might be able to get away without paying Goodwins Credit Management a penny. Read on to potentially save money and get clarity on the situation.  Beating Debt Collectors There are several ways to deal with debt […]
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Can I pay the council instead of the bailiffs? 2022

Scott Nelson

Those who have the money to pay their debt to the council often ask, ‘Can I pay the council instead of the bailiffs?’ The reason for this is to avoid paying the additional fees that are applied when a debt is given to bailiffs. You can make a payment to the council directly, however, the […]
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Northern Debt Recovery – Pay or Appeal? 2022

Scott Nelson

Who are Northern Debt Recovery and do I have to pay their fines? Read this guide for answers when you’ve received a fine or debt notice from Northern Debt Recovery.  Beating Debt Collectors There are several ways to deal with Northern Debt Recovery debt collectors and improve your finances. Choosing the right way to tackle your debt […]
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Yuill and Kyle Debt – Should You Pay? 2022

Scott Nelson

Have Yuill and Kyle Debt Recovery started chasing you for a Scottish debt? Do you know about the debt or think they have the wrong person? Whatever your situation, we provide clarity and guidance on how to deal with Yuill and Kyle debt letters.  Keep calm and read on! Beating Debt Collectors There are several […]
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Gladstones Solicitors Debt – Should You Pay? 2022

Scott Nelson

Gladstones Solicitors might have sent you a threatening letter recently, leaving you unsure of what to do next.  Whether they’re chasing you for unpaid parking tickets or something else, we discuss your options. This guide is for anyone who has received a Gladstones Solicitors debt letter. Let’s get into it.  Beating Debt Collectors There are […]
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PSP Fieldcall – Should You Pay? 2022

Scott Nelson

You’re probably reading this because you’ve received a PSP Fieldcall debt letter. But who is PSP Fieldcall and do you really have to pay them? These are some of the questions we’ll be answering below, along with top tips on how to respond to their legal threats.  Beating Debt Collectors There are several ways to deal […]
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Hillside Services Limited Debt – Should You Pay? 2022

Scott Nelson

If you’ve landed on this guide, there’s a good chance you’ve recently received a Hillside Services Limited debt letter. Their calls and letters might have left you confused, worried or even angry.  Below you will find out the key information on who they are, why they’re contacting you and what you can do about them. […]
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Horizon Parking Fine – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Did you get a Horizon Parking fine and wonder if it’s worth appealing? Private car parks are operated by independent companies on behalf of landowners. Often the penalties issued can be challenged for several reasons. Read on to find out whether it’s worth challenging the Parking Charge Notice or if you’d be better off paying […]
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NSGL Parking – Should you Pay or Appeal? 2022

Scott Nelson

Appealing an NSGL Parking fine could be an option if you can show the operator was in the wrong? Fines issued on private land are not the same as a Penalty Charge Notice. They are invoices the operator issues because they think you broke the T&Cs when using the car parks they manage. I look […]
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Initial Parking – Should you Pay or Appeal? 2022

Scott Nelson

Many people ask, ‘should you pay or appeal a Parking Charge Notice received from Initial Parking?’. To answer this frequently asked question, it depends on whether the ticket was correctly issued and whether it was fair or not. I provide some advice on when you could appeal an Initial Parking fine and when you might […]
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Park Direct UK – Pay or Appeal? 2022

Scott Nelson

Are you wondering whether to pay or appeal a Park Direct UK fine? Do you think it was wrongly issued? You have the right to file an appeal, but you must prove the operator was in the wrong when you do. A lot of people complain about Parking Charge Notices they get. And mistakes do […]
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Parking Eye Appeal – Guide, Laws and FAQs 2022

Scott Nelson

Are you wondering about the Parking Eye appeal process and the laws relating to Parking Charge Notices? You’re not alone! Knowing when to pay or appeal a fine you get on private land could save you money. I delve into making a Parking Eye appeal and what to expect. Read on to find out more. […]
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Check Vehicle Fines – How to view a charge 2022

Scott Nelson

When you get a parking ticket, you may wonder if you can check vehicle fines online. For example, if you received a Penalty Charge Notice (PCN), it would have been issued by a traffic warden or the Police. However, if you got a ticket in a private car park, a private operator would have given […]
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Can Bailiffs Take Sofas? What You Need To Know 2022

Scott Nelson

Want to know if bailiffs can take sofas? The answer is yes. A bailiff can take your sofa; however, it can only be sold if it has an original fire safety label attached. Additionally, bailiffs must leave you enough furniture for you and your family to use for your basic needs. Bailiffs, also called enforcement […]
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Controlled Goods Agreement – Everything You Need To Know 2022

Scott Nelson

A Controlled Goods Agreement is made between you and the bailiffs to help stop them from taking the possessions they have control of. Bailiffs take control of your goods when they enter your home. They create an inventory containing all the items in the home they want to take and sell. Below I’ll share information […]
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Is a default a CCJ? What You Need To Know 2022

Scott Nelson

Asking the question ‘is a default a CCJ?’ means you may have or are at risk of, defaulting on a debt you owe. They are similar but the default isn’t a CCJ. However, it’s important to know that defaulting on an account could lead to a CCJ. Here’s what you need to know about defaulting […]
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What Happens to Catalogue Debt when Someone Dies? 2022

Scott Nelson

Wondering what happens to catalogue debt when someone dies? Only the person who signed the credit agreement is responsible for the debt. The catalogue debt will be recovered on their estate. It will not pass on to any other family member. However, there are circumstances when the debt becomes fully liable by someone else, I’ll […]
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Mercantile Data Bureau Debt – Should You Pay? 2022

Scott Nelson

Are you the unfortunate recipient of a Mercantile Data Bureau debt letter? Has it left you scared, stressed or even a little angry? You’re probably wondering if you even have to pay Mercantile Data Bureau or if you can ignore this letter. We provide answers when you need them most – read on! Who are […]
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Argos Debt – All You Need to Know 2022

Scott Nelson

Argos debt is a concern for many people. It’s quite easy to fall into the debt trap when using an Argos card to purchase goods. Getting out of Argos debt is possible, there are solutions in place for you to consider and use. Understand your Argos debt, what happens if you can’t pay and how […]
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Catalogue Debt in My Name! 2022 Guide

Scott Nelson

I have catalogue debt in my name, what can I do about it? Your options depend on a few factors. If you opened the account, you would own the debt. There are cases of catalogue debt being accrued due to fraud. It could be a family member that has taken out the account in your […]
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Can I get Catalogue Debt Written Off? 2022 Guide

Scott Nelson

If you have unsecured catalogue debt you may be able to get it written off. It is possible to write off catalogue debt using an Individual Voluntary Arrangement, or IVA. An IVA is a big deal, so it’s important to know more about it before you consider it as an option. In this article I’ll […]
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Fashion World Debt – All You Need to Know 2022

Scott Nelson

Fashion World is one of the leading direct home shopping companies in the UK. The website and brand are owned by J D Williams and Company Limited and trade under the name Fashion World. The catalogue accounts are widely used and it’s common for people to struggle when trying to manage Fashion World Debt. Fashion […]
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Npower Debt Collection Agency – Should you Pay? 2022

Scott Nelson

Rising energy prices mean people are increasingly receiving debt collection letters from energy companies. This post will discuss all the important things you need to know about the Npower Debt Collection Agency. If you are reading this post, it is likely that you have received a letter from Npower Debt Collection. If so, read on […]
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EDF Debt Collectors – Should you Pay? 2022

Scott Nelson

In this post, I outline everything you need to know about EDF Debt Collectors. If you have received a debt collection letter from EDF Energy, then read on to discover all the important information you will need to know to best deal with their claim.  Rising energy prices means people are increasingly receiving debt collection […]
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Ascent Performance Group Debt – Should You Pay? 2022

Scott Nelson

Ascent Performance group debt letters can be intimidating and leave you anxious about what could happen next. Before you rush to pay – if you can – you need to hear this. We explain what’s really going on when you receive an Ascent debt letter and what you can do about it.  Beating Debt Collectors […]
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Credit G Debt – Should You Pay Them? 2022

Scott Nelson

Have Credit G called you or sent one of their notorious debt letters? Requests for immediate payment and court action threats can be overwhelming. But this guide will provide clarity and explain what you can do to push back against Credit G Debt Recovery. Read on to learn about your options, and how you might […]
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ACT Credit Management Debt – Should You Pay? 2022

Scott Nelson

Just opened an ACT Credit Management debt letter and ran to the internet for answers? Here you’ll find those answers. We discuss everything you need to know about this debt collection company and if you have to pay them. Read this quick guide to know your rights and push back against ACT Credit Management.  Beating […]
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Churchill Recovery Debt – Should You Pay? 2022

Scott Nelson

Should you pay Churchill Recovery Debt Collection after receiving one of their aggressive letters? That’s the big question we’ll be answering here, with lots of other hints and tips along the way.  Beating Debt Collectors There are several ways to deal with Churchhill Recovery debt collectors and improve your finances. Choosing the right way to tackle your […]
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Pulse Credit Card Reviews & In-Depth Info 2022

Scott Nelson

Have you received a letter inviting you to replace your existing NewDay card with a new ‘Pulse’ card? Or have you simply seen this new Pulse card being advertised around? If so, you may be wondering what this new card is and you might be curious to find out more about it.  Luckily, I have […]
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G24 Parking Fine – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Received a G24 parking fine letter and don’t know what to do next? This post was written for you and the many other motorists having to face G24 parking tickets. Learn what these fines really are and what you can do about them here. Push back with the right info now! Who is G24 Ltd? […]
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BW Legal Parking Fine – Pay or Appeal? 2022

Scott Nelson

Are you being chased for a BW Legal parking fine? You certainly aren’t alone as scores of motorists receive these debt letters each year. Find out what your BW Legal parking fine really is and what your options are in this quick post.  Who are BW Legal? BW Legal is a law firm that specialises […]
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Excel Parking Fine – Should you Pay or Appeal? 2022

Scott Nelson

An Excel Parking fine cannot be more than £50, but you can appeal if you think the operator got it wrong. Private parking companies manage sites for landowners and have the right to issue a Parking Charge Notice. However, they must abide by the Code of Practice. If you are wondering if you could appeal […]
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CDER Group Debt – Should You Pay? 2022

Scott Nelson

Have you been told that CDER Group Debt Collection is coming to pay you a visit? Don’t hide from CDER Group debt letters or their bailiffs. Instead, read out guidance on how to handle a Notice of Enforcement and understand your rights to fight back effectively. You’ll want to know this!  Beating Debt Collectors There […]
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Stanford and Green Debt – Should You Pay? 2022

Scott Nelson

Have you received a scary letter from a company called Stanford and Green? You’re probably worried about what might happen next.  This guide is here to reassure you and provide clarity on your current situation. Dealing with Stanford and Green Debt Collection is made easier with the latest information below.  Beating Debt Collectors There are […]
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Conexus Recovery Debt – Should You Pay? 2022

Scott Nelson

Have you been contacted by Conexus Recovery Debt Collection asking for payment and possibly threatening a doorstep visit?  We’re here to help you fight back against this aggressive debt collection business. We’ll explain what you can do, which may prevent you from having to pay. You need to know this!  Beating Debt Collectors There are […]
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Kearns Solicitors Debt – Should You Pay? 2022

Scott Nelson

Did a Kearns Solicitors debt letter come through your letterbox recently? If so, you might be confused, angry or even a little scared.  We reveal the important details about Kearns Solicitors and discuss what you can do after receiving a Kearns Solicitors debt letter. Do you really have to pay? Find out here.  Beating Debt […]
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UK Search VT – What You Need To Know 2022

Scott Nelson

Have you been looking at your bank statements to see a payment or multiple payments going to UK Search VT? This has probably left you scratching your head and maybe a little angry.  It’s quite normal for companies to use slightly different merchant names on bank statements. So who are UK Search VT and what […]
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Shergroup Debt – Should You Pay

Scott Nelson

If you’ve been contacted by Shergroup Debt Recovery Solutions, should you pay? The answer to this question depends on the type of letter you’ve received from Shergroup Ltd. Nevertheless, we explain your options in different situations.  Don’t worry, here’s what to do! There are several debt solutions in the UK that can be used to […]
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Brecon House Caerphilly – Who Are They? 2022

Scott Nelson

Have you received a scary or even threatening letter from Brecon House, Caerphilly Business Park? Is that letter demanding you make a payment or potentially be taken to court? You probably have a lot of questions. The good news is we have the answers for you right here.  Who are Brecon House Caerphilly? Brecon House […]
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Capital Recoveries Debt – Should You Pay? 2022

Scott Nelson

Capital Recoveries debt letters can be confusing and scary. The amount you owe and the threat of legal action can catch you by surprise and even cause mental health problems. We explain who Capital Recoveries Debt Collection are and what you can do when you receive one of their letters.  Beating Debt Collectors There are […]
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Check Debt Against a Property 2022

Scott Nelson

It’s important to check debt against a property to ensure you’re aware of the severity of the situation. If there’s a charging order, you’ll need to do everything possible to avoid losing your home. If you’re taken to court for a debt you could end up with a CCJ or similar court order. The CCJ […]
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Darcey Quigley Debt – Should You Pay

Scott Nelson

Have you been left confused and worried after receiving a Darcey Quigley debt letter? You aren’t the first and won’t be the last. Darcey Quigley & Co debt letters can be intimidating, but we can help you deal with them the right way. Read on to learn your rights and push back.  Beating Debt Collectors […]
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Sonex Financial Debt – Should You Pay? 2022

Scott Nelson

Sonex Financial Debt Collection is not like most debt collection companies, but that doesn’t mean hearing from them won’t cause panic. We explain what your options are after receiving a Sonex Financial debt letter.  Beating Debt Collectors There are several ways to deal with Sonex Financial debt collectors and improve your finances. Choosing the right way to […]
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Clearscore Score Bands – What Do They Mean? 2022

Scott Nelson

There are five Clearscore score bands, ranging from poor to excellent. Clearscore score bands changed in November 2021. The change was to fall in line with the new 1000 Equifax credit score system and banding, released in April 2021. Previously, Clearscore was out of 700, now it’s out of 1000.  You may have discovered your […]
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Top Service Debt – Should You Pay? 2022

Scott Nelson

Have you or your company received a debt letter from Top Service Ltd? You’re probably confused about who Top Service are and why you’re being asked to pay them. We answer these questions and more in this concise Top Service debt guide.  Beating Debt Collectors There are several ways to deal with Top Service debt collectors […]
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118 118 App Review & In-Depth Info 2022

Scott Nelson

Have you seen the 118 118 App advertised online or on the 118 118 Money Website? If so, you may be wondering what it is and whether it may help you manage your finances. I have written a detailed review of all the most important information regarding the 118118 App so you can make an […]
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TNC Collections – Should You Pay? 2022

Scott Nelson

“Who are TNC??? Are they debt collectors?”  This is part of a comment from a forum user who received a TNC Collections debt letter. You can read the full quote within this guide. It’s normal to be confused when you receive their letters as they are a company that works for other companies. We discuss […]
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Pompom Debt Review – Review & In Depth Info 2022

Scott Nelson

Before you make any decisions about managing your debt, we have put together a detailed guide covering everything you need to know about Pompom debt.  Learn more about what services they provide, read some of their customer reviews and understand more about Pompom as a whole below. About – who are Pompom Debt?  POMPOM.co.uk is […]
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EON Debt Collection – Should you Pay

Scott Nelson

Energy costs can be substantial and many customers may be struggling to pay their EON bills.  If you’re one of them, you could end up being referred for EON debt collection – but should you pay? It’s never a good idea to ignore debt because you could end up facing extra costs or tougher action. […]
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Sygma Bank Debt – Should You Pay? 2022

Scott Nelson

Should you pay a Sygma Bank debt? There’s a chance that an old Sygma Bank debt may have become too old to be collected. We take a look at some different scenarios to help you understand whether you should pay your Sygma Bank debt – or whether you can fight back.  Don’t worry, here’s what […]
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Capital One Default – Should You Pay? 2022

Scott Nelson

Have you defaulted on your Capital One account? We discuss what can happen with a Capital One default, including if they will sell on your debt and if you will eventually have to pay. Read our guide before it’s too late!  What is Capital One? Capital One Financial Corporation, more commonly known as Capital One, […]
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We Want to Say Yes – Should You Pay? 2022

Scott Nelson

Have you received a debt letter from We Want to Say Yes? This can be confusing because We Want to Say Yes isn’t even their real company name. Learn more about We Want to Say Yes debts and what you should do after receiving a letter, right here!  Who is We Want to Say Yes? […]
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Direct Collection Bailiffs LTD – Should You Pay? 2022

Scott Nelson

Just because Direct Collection Bailiffs Ltd are on TV doesn’t mean they have any additional rights. There are times when you should try to pay DCBL, and there are other times when you can fight back. We discuss whether you have to pay Direct Collection Bailiffs Ltd here.  Beating Debt Collectors There are several ways […]
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How to Deal with DCBL 2022

Scott Nelson

Have you been searching for the best way how to deal with DCBL? These guys might have appeared on Netflix, but it doesn’t give them any extra legal rights. We explain what to do when you receive a Letter Before Action or a Notice of Enforcement letter from DCBL.  Beating Debt Collectors There are several […]
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DWP Debt Management Contact Details 2022

Scott Nelson

Find the DWP Debt Management contact details here. We’ve rounded up the most up-to-date contact information for the debt recovery department of the DWP and answered some of the most common questions when trying to pay off a DWP debt.  Beating Debt Collectors There are several ways to deal with DWP Debt Management and improve your finances. […]
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Link Financial Harassment? Here’s What to Do 2022

Scott Nelson

There are a number of reviews and forum posts from people claiming they have been hounded and harassed by Link Financial. If you’ve experienced any Link Financial harassment behaviours, we’ll explain what you can do to make them stop. And if they don’t, we’ll discuss some other ways to make them back down.  Beating Debt […]
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Pros and Cons Of Bankruptcies UK 2022

Scott Nelson

When considering debt solutions, it’s important to consider the pros and cons of bankruptcies in the UK. Declaring bankruptcy is one of the debt solutions that can be used to write off debts that you cannot afford to repay. I have put together this useful list of pros and cons to help you decide if […]
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UK Search Limited – Should You Pay? 2022

Scott Nelson

Receiving a UK Search Limited debt letter can be scary and intimidating. We provide clarity and reassurance of what you can do after being threatened by UKSL. Read on to uncover your options and learn how to fight back legally.  Beating Debt Collectors There are several ways to deal with UK Search Limited and improve your […]
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Commercial Domestic Investigations – Should You Pay? 2022

Scott Nelson

Have you received a nasty and threatening letter from Commercial Domestic Investigations? We explain why you don’t have to pay straight away and the two loopholes that could get you off the hook. Put your wallet away and read this first!  Beating Debt Collectors There are several ways to deal with Commercial Domestic Investigations and improve your […]
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Normal Rate Direct Earnings Attachment 2022

Scott Nelson

The normal rate of direct earnings attachment in 2022 is set at a maximum amount of 20%. This is for the standard rate. There is a higher rate, set at a maximum of 40% of your income. The DEA cannot be set at a rate that will leave you with less than 60% of your […]
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Housing Benefit Overpayment Appeal Letter Sample 2022

Scott Nelson

I’ve put together a housing benefit appeal letter sample for you to use if you’ve been overpaid. In this article, I’ll be sharing information on what you can do if you’re struggling to pay the overpayment and what you can do if you want to appeal. What Happens If You’ve Been Overpaid Housing Benefit? You’ll […]
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Collectica – Do You Have to Pay? 2022

Scott Nelson

It’s normal to be nervous if you’ve received a Collectica Notice of Enforcement or are expecting a visit from Collectica agents. We explain who Colelctica really is and what you can and can’t do once they’ve started chasing your debt.  Beating Debt Collectors There are several ways to deal with Collectica Debt Collectors and improve your finances. […]
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Henriksen Limited – Should You Pay? 2022

Scott Nelson

Who are Henriksen Limited and why are they asking me for money? This is a common question among UK residents who have received a letter from Henriksen. We answer your immediate questions and uncover what you can do next. You could get out of having to pay.  Beating Debt Collectors There are several ways to deal […]
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Credit Resolution Services – Here’s What to Do 2022

Scott Nelson

Have you been left confused or worried after receiving a letter or text message from Credit Resolution Services? You’ve probably never heard of this company before and assume it’s a scam. But Credit Resolution Services is a real company that chases unpaid debt.  We explain what you need to do after getting a payment request […]
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Apply For DRO Online – Step By Step Guide 2022

Scott Nelson

Looking to apply for DRO online? I’m going to share a simple debt relief order application guide to help you through the process. In this guide, you’ll learn how to apply for a debt relief order online and the steps that are involved in the process. I’ll also provide you with details about what you’ll […]
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County Court Letter – Here’s What To Do 2022

Scott Nelson

Here’s what to do if you have received a county court letter in the mail. County court judgement letters can leave you feeling frightened and anxious. It’s always a stressful letter to wake up to. I want to help you take the right steps to solve the issue and relieve some of the stress you […]
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Freemans Debt – All You Need to Know 2022

Scott Nelson

Do you have a Freemans debt that’s worrying you? Many people have found themselves in the same situation. Catalogue debt has been on the rise over the last couple of years. It’s easy to overspend when you opt to buy now and pay later. Then, when your circumstances change, you could be left with bills […]
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JD Williams Debt – All You Need to Know 2022

Scott Nelson

Don’t panic when you have a JD Williams debt. Many people in the UK seek debt advice because their circumstances have changed. To prevent things from escalating out of control, you should keep in touch with the company’s customer support. In this post, I provide some advice on dealing with JD Williams debt. How the […]
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La Redoute Debt – All You Need to Know 2022

Scott Nelson

Are you in La Redoute debt? If so, you’re not the only one. Famous for its French style, it has over 10 million customers across many countries. The problems start when you get into catalogue debt. Maybe your circumstances changed, or you overspent. It’s important to find a solution, whatever the reason. In this post, […]
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Carflow Appeals – What You Need to Know 2022

Scott Nelson

Many motorists file Carflow appeals because they believe the fine was incorrectly given. However, many people also pay without questioning the fine. If you are in two minds about whether to pay or appeal a Carflow Parking Charge Notice, this post may be helpful. I look at how and when you may receive a Parking […]
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Car Parking Partnership Appeal – What You Need to Know 2022

Scott Nelson

Wondering if you should take a Car Parking Partnership appeal seriously? Want to know whether to pay the fine? The chances are you’re not alone. I look at the Car Parking Partnership’s operation and how they deal with motorists who don’t pay fines they are given. You may have received a Parking Charge Notice and […]
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Parking Eye Complaints – Guide and Tips 2022

Scott Nelson

If you’re seriously unhappy with the outcome of an appeal process with Parking Eye, you have the right to file a complaint. The parking operator is obliged to promptly deal with all complaints, although this is not always the case! I provide some advice on how to file a complaint against the operator and its […]
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Simply Be Debt – All You Need to Know 2022

Scott Nelson

Are you struggling with a Simply Be debt? You’re not alone. Over the last couple of years, catalogue debt has risen in the UK. Thanks to several reasons, more people now seek debt advice. The main one is a change in circumstances because of the pandemic! I researched how Simply Be deals with debt and […]
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Should I Pay Euro Car Parks Fine? 2022

Scott Nelson

You may be asking, ‘should I pay Euro Car Parks fines?’. It’s something that many motorists ask when they get a ticket from a private operator. Although the answer is not that simple, it would be a mistake to just pay the fine without checking it. You should never automatically pay a fine because often […]
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Very Debt – All You Need to Know 2022

Scott Nelson

If you’re worried about a Very debt and wondering if you should pay, you’re not alone. Many people in the UK are concerned about catalogue debt. The situation worsened over the last two years, thanks to the pandemic. Their circumstances changed, and suddenly they could no longer afford monthly instalments. In this post, I look […]
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Loqbox Missed Payment – Here’s What To Do 2022

Scott Nelson

A LOQBOX missed payment can leave black marks on your credit score if you don’t pay the amount the same day. The best way to avoid this happening is to cash in any savings you have straightaway. Otherwise, the missed payment would impact your credit history rather than improve it. In this post, I look […]
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Euro Car Parks Fine – Everything you need to know 2022 

Scott Nelson

You may be asking whether you have to pay a Euro Car Parks fine and if it’s enforceable? Euro Car Parks is privately owned. Therefore their parking fines are not covered by the law. Instead, they are invoices drawn up when a person doesn’t abide by their parking rules. Private companies use the term parking […]
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Private Parking Tickets Court Cases – Examples and Tips 2022

Scott Nelson

In this guide, we will answer all the common questions about private parking fines and legal action. We’ll also discuss some notable private parking tickets court cases, including how one woman ended up having to pay £24,500.  Read on to learn all about Parking Charge Notices and potential court cases – and how to avoid […]
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Tesco Parking Fine 2022 – Pay or Appeal?

Scott Nelson

Did you get a Tesco parking fine, and are you wondering whether to pay or appeal the fine? You’re probably not the only person because recently, supermarkets have issued a spate of penalties. The thing is that a private Parking Charge Notice is not always enforceable. In this article, I explain why! A Parking Charge […]
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Parking Eye Fine – What you need to know in 2022

Scott Nelson

After receiving a Parking Eye fine, it’s normal to be confused and even a little angry. Why should you have to pay your hard-earned money to these people? We explain why Parking Eye fines are sent to drivers and what you can do about them. Don’t reach for your bank cards just yet, as we […]
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Civil Enforcement PCN – Pay or Appeal? 2022 Laws

Scott Nelson

Were you given a Civil Enforcement PCN (Parking Charge Notice) and asked should you pay or appeal the fine? You’re not alone. Motorists throughout the UK ask whether a Parking Charge Notice is enforceable or not. Unfortunately, they are. But only when there’s a court order saying you must settle the fine! In my post […]
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Group Nexus Parking Charge – Pay or Appeal? 2022 Laws

Scott Nelson

Did you get a Group Nexus Parking fine and are wondering whether to pay or appeal it? Parking Charge Notices are not the same as Penalty Charge Notices issued by councils and the police. The PCN acronym is confusing and could catch many motorists out! I look at the difference between privately issued PCNs, which […]
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Fake Parking Ticket – How to spot them 2022

Scott Nelson

Do you think you’ve received a fake parking ticket? Was it left on your windscreen, sent by email or by other means? If so, beware because there are many fake tickets in circulation. My advice is to check whether the penalty is genuine before doing anything else! Receiving a parking ticket is never good news, […]
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Parking Control Management – Pay or Appeal

Scott Nelson

Did you get a Parking Control Management ticket, and are you thinking about appealing it? There are times when you can challenge a Parking Charge Notice and times when you have to pay it. Private operators like Parking Control Management have the right to issue fines. But they are not the same as Penalty Charge […]
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Parking Fine Loopholes – 2022 Laws

Scott Nelson

Are there any parking fine loopholes to get you out of paying a parking ticket? You’ll be pleased to know that there are some ways to get out of a parking fine.  We recap on the different parking tickets before uncovering the loopholes that could save you money! What are parking tickets? Parking tickets are […]
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Smart Parking Fine – Should you Pay or Appeal? 2022

Scott Nelson

You can challenge a Smart Parking fine when you think it is unfair or when it was not issued correctly. The parking operator is a British Parking Association (BPA) member. They must, therefore, follow the Code of Practice when issuing Parking Charge Notices. I look at how the operator deals with appeals against a ticket […]
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Countrywide Parking Appeals – Should You Pay? 2022

Scott Nelson

You have the right to contest a fine by following the Countrywide Parking appeals process. When you believe a Countrywide Parking Charge Notice is given unfairly, it’s your right to challenge the fine. Countrywide is a member of the British Parking Association (BPA). It means they must follow the Code of Practice, and when they […]
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Lost Parking Ticket? – What to do First

Scott Nelson

A lost parking ticket doesn’t have to be a nightmare, provided you don’t ignore things. You’ll need the ticket number whether you want to challenge or pay the penalty! I will explain what to do first when you lose a parking ticket. Then, I cover private parking tickets, and council issued penalties which need paying […]
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Jacamo Debt – All You Need to Know 2022

Scott Nelson

You’re not alone if you’ve got a Jacamo debt and don’t know what to do. More people seek debt advice today than ever before. The pandemic hit the nation hard, and if you’re one of them, I hope this post is helpful. I look at credit offers and terms that Jacamo offers shoppers. How the […]
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How long can you be chased for a parking ticket? 2022 Laws

Scott Nelson

If you’re asking, “how long can you be chased for a parking ticket” it depends on who issued it. You could be chased for many years before a PCN becomes unenforceable. Plus, the issuer could take you to court when you commit a parking offence. You could receive a CCJ, which will impact your credit […]
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Now TV Missed Payment – Here’s What To Do 2022

Scott Nelson

Have you got a NOW TV missed payment that needs sorting out? Are you worried about it affecting your credit history? Many people have fallen into debt traps over the last two years, so you’re not alone!  I researched how the Sky-owned video streaming service deals with missed payments, what you should do and how […]
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Secure Parking Solutions – Should you Pay or Appeal

Scott Nelson

Secure Parking Solutions is a private operator, and when you break their ‘rules’, you could get a Parking Charge Notice. You may ask whether you should pay or appeal the fine. The answer is never simple, but maybe you could when an operator fails to follow the Private Parking Code of Practice! I look at […]
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TalkTalk Missed Payment – Here’s What To Do 2022

Scott Nelson

Dealing with a TalkTalk missed payment doesn’t have to be a nightmare. Providing you contact their support, that is! However, when you ignore the problem, and TalkTalk sends you payment reminders, the situation gets harder to settle. I take a look at how TalkTalk handles missed payments. The sort of support the provider extends to […]
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Elite Parking Management – Should you Pay or Appeal? 2022

Scott Nelson

Did you get an Elite Parking Management PCN? Do you think the fine was unfairly given? If so, you’re not alone. It’s essential to know whether to appeal a Parking Charge Notice because automatically paying it could be a costly mistake! Elite Parking Management is a private operator that provides parking solutions for private landlords, […]
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AA Missed Payment – Here’s What To Do 2022

Scott Nelson

An AA missed payment should be paid as soon as possible to avoid a policy cancellation. First, however, contact the support team and let them know if you’re struggling to pay bills, and many people are. Whatever you do, don’t ignore the problem because it’ll need sorting! In this post, I look at how the […]
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1 in 10 People Are Going Into Debt To Buy Essentials!

Scott Nelson

New research from Hargreaves Lansdown shows that a staggering 1 in 10 people in the UK uses BNPL (buy now pay later) services to pay for things like their food shop and energy costs. While the no-fee and low-interest rates offered by BNPL suppliers can help customers offset one-time high-cost goods such as appliances, consumer […]
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Wingparking – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Parking on private land operated by Wingparking could result in a ticket. The question many people ask is whether to pay or appeal. There are instances when a fine might be justified. However, other times the operator may not have followed the Private Parking Code of Practice. In which case, I suggest you appeal! Parking […]
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How Far Back Does Official Receiver Go? 2022

Scott Nelson

You can expect an official reliever to investigate the transactions you made up to five years before your bankruptcy application. I want to share with you some information on what you can expect once your official receiver makes contact. This is a part of bankruptcy or a DRO that can feel quite daunting. Don’t worry, […]
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How Long Can Energy Companies Chase You for Debt? 2022

Scott Nelson

How far back can an energy company charge you? Depending on the circumstances, an energy company can go back either 12 months or 6 years to charge you for any unpaid energy bills.  Bills which are more than 12 months old  Under Ofgem ‘back billing rules’, an energy supplier can’t chase debts which are more […]
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How long can a debt be chased UK? 2022

Scott Nelson

A creditor has up to 6 years to chase you for a debt. This is in accordance with the Limitations Act 1980. However, in certain circumstances, the creditors can chase the debt for longer. It’s important to know if your debt is statute-barred and what that means. In this article you can learn more about […]
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How long can HMRC chase a debt? 2022

Scott Nelson

Her Majesty’s Revenue and Customs (HMRC) can chase a debt that is 20 years old. If you owe HMRC money because of missed tax credits payments or any other outstanding debts, they won’t forget about it. They can take you to court to reclaim a debt that you owe, and this can result in you […]
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How Many Times Can a Bailiff Visit? 2022

Scott Nelson

A bailiff can visit your home up to three times. However, if you’re not there to answer the door the number of times could increase. After three visits further legal action will be taken against you. I’m here to answer your questions if you’ve had a visit and are wondering how many times a bailiff […]
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Sigma Financial Group Debt – Should You Pay? 2022

Scott Nelson

Should you pay the Sigma Financial Group? This guide is for you if you’ve received a Sigma Financial Group debt letter or a similar letter from Sigma Connected. Learn how to act and respond right here.  Beating Debt Collectors There are several ways to deal with Sigma Financial debt and improve your finances. Choosing the right way […]
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Themis Recoveries Debt – Should You Pay? 2022

Scott Nelson

Have you been left worried after receiving a Themis Recoveries debt letter? You might be confused about why you’re being asked to pay or wondering if it’s all a scam. We explain who they are and how to deal with Themis Recoveries debt letters the right way.  Beating Debt Collectors There are several ways to deal […]
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​​Newlyn PLC Harassment – What to Do? 2022

Scott Nelson

Are you a victim of Newlyn PLC harassment? Judging by the reviews and comments left online, you certainly wouldn’t be alone. In this post, we recap who they are before discussing what you can do about harassment from enforcement agents and debt collection agency workers.  Beating Debt Collectors There are several ways to deal with Newlyn […]
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Average Personal Debt UK 2022

Scott Nelson

Personal debt is money owed by a singular person. These debts could be anything from a credit card debt, mortgage, financing, or even an unsecured debt. In the UK alone, the personal average total debt is £33,410 in March 2022, which is a rise of £1,767 since January 2020. That equates to around 107% of […]
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Robinson Way Complaints – Guide and Tips 2022

Scott Nelson

Robinson Way is persistent in trying to get people to pay a supposed debt. But they must follow the law when recovering debts, and if they don’t, you can complain. We take a look at the Robinson Way complaints process and how you can escalate a Robinson Way complaint when they’re harassing you.  Beating Debt […]
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Insolvency Statistics in The UK (Bankruptcy, IVA, DRO) 2022

Scott Nelson

Understanding Insolvency The term “insolvency” refers to a situation in which a person is unable to pay their financial commitments to creditors when debts accrue. When a person becomes insolvent, they have a few options. They can either reach an informal agreement with their creditors, which may relieve some of the pressure, or they can […]
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Klarna To Notify Late Payments To Credit Agencies

Scott Nelson

Credit agencies will soon be receiving information about the debt and buying patterns of Klarna customers who use their buy now, pay later service. Experian and TransUnion will be notified of timely repayments, late payments, and unpaid purchases under the “pay in 30” and “pay in three” plans that Klarna famously offers their customers. For […]
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JCIA Debt – Should You Pay? 2022

Scott Nelson

Should you pay a JCIA debt? We explain who JCIA are and their relationship to CARS, who often tell people they have a debt to companies like Three. If you’re receiving calls and letters from JCIA Debt Collection, this is an easy-to-follow guide for you.  Beating Debt Collectors There are several ways to deal with JCIA […]
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One Source Enforcement Services – Should You Pay? 2022

Scott Nelson

Having to deal with One Source Enforcement Services can be scary. MoneyNerd is here to provide information on where you stand and what you can do in this situation. We’ll also answer whether you really have to pay One Source Enforcement Services.  Beating Debt Collectors There are several ways to deal with debt collectors like […]
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UKPC Parking Fine – Pay or Appeal? 2022 Laws

Scott Nelson

Are you the not-so-lucky owner of a UKPC parking ticket? We discuss all of your options and what to expect after being hit with a UKPC parking fine. Should you pay, ignore it or appeal? Let’s take a good look at your options.  What is UKPC? UK Parking Control Ltd (UKPC) is one of the […]
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Do You Have to Pay Parking Eye Fines? 2022 Laws

Scott Nelson

Do you have to pay Parking Eye fines? Unfortunately, there isn’t a straight yes or no to this question. We get to the bottom of it here and answer related Parking Charge Notice questions.  It’s time to see if you really have to pay! What is Parking Eye? Parking Eye, also known as Parkingeye, is […]
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NCP Appeals – Should You Pay or Appeal? 2022 Laws

Scott Nelson

Are you angry to have received an NCP Parking Charge Notice? If so, you need to know what you can do to fight back, including details on the NCP appeals process. We get into the details here.  What is NCP? NCP is one of the UK’s largest car park operators with a reported 150,000+ car […]
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Euro Car Parks Appeal – Guide and FAQs 2022

Scott Nelson

Read about the Euro Car Parks appeal process right here. Before you dig out your wallet and pay your Parking Charge Notice, you need to know this.  Who are Euro Car Parks? Euro Car Parks is one of the biggest private car park operators in the UK and Europe. They operate more than 1,000 car […]
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Acorn Missed Payment – Here’s What To Do 2022

Scott Nelson

If you are struggling because of an Acorn missed payment, don’t worry you’re not alone! The pandemic has affected many people over the last couple of years. It’s a lot harder to stay on top of finances as a consequence! My advice is to contact Acorn immediately, preferably before payment is due. It’s the best […]
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Direct Line Missed Payment – Here’s What To Do 2022

Scott Nelson

Did you have a Direct Line missed payment? If so, don’t panic. Try to get things sorted out before they go too far. Never ignore things when an insurance payment fails. Get in touch with Direct Line support to let them know. Then see if they’ll offer a way to resolve the problem. I look […]
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EE Missed Payment – Here’s What To Do 2022

Scott Nelson

Are you dealing with an EE missed payment? It can happen for several reasons, whether you’re short on funds or just forgot. Smartphones are part of our lives these days, and we’ve come to depend on them. So when you’re cut off, the consequences can be worrying. But how does EE deal with a missed […]
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Spring Parking – Should You Pay or Appeal? 2022

Scott Nelson

Should you pay or appeal a Spring Parking ticket? We discuss the pros and cons of these options as well as a third option you might not know about. Let’s motor on!  What is Spring Parking Ltd? Spring Parking Ltd is a company that provides car park management services, including signage, payment technologies, security and […]
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Spark Energy Debt Collection – Should you Pay? 2022

Scott Nelson

After you hear from Spark Energy debt collection, should you pay? If you owe the debt you will need to pay them if the debt is genuine. The letters won’t stop until you take some action, but you do have some options. Additionally, there are certain circumstances when you don’t have to pay. I’ll be […]
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Shell Energy Debt Collection – Do You Have to Pay 2022?

Scott Nelson

If you have a letter from Shell Energy debt collection, do you have to pay? If the Shell debt is genuine, you’ll need to make contact using the information in the letter and pay. There are certain circumstances when you don’t have to pay. If you do, you may be able to clear the debt […]
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118 118 Loans – What You Need To Know 2022

Scott Nelson

Are you curious about taking out a 118 118 loan but you’re not sure what is involved? When it comes to loans, there is often lots of information that is important to consider when deciding if a loan is right for you.  If this is the situation you’re in, this guide makes it easy for […]
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Highview Parking – Pay or Appeal? 2022 Laws

Scott Nelson

Have you been stung by a Highview Parking or GroupNexus Parking Charge Notice? Don’t reach for your wallet or purse straight away. There are some things you have to know before you start to deal with these parking tickets.  Discover all your options to fight back against Highview Parking Ltd right here.  Who is Highview […]
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118 118 Credit Card – In-depth Review 2022

Scott Nelson

A 118 118 Credit Card can be used for almost any purchase you may come across in everyday life whether it is for groceries or buying a plane ticket.  When it comes to credit cards in general, people are often concerned about the implications of using a financial tool that could potentially lead you into […]
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National Parking Enforcement – Should You Pay or Appeal? 2022

Scott Nelson

Has a National Parking Enforcement Parking Charge Notice landed in the post? If you’re the unlucky recipient of one of these parking tickets, you’re probably unsure of what to do next. But before you reach for your bank card to pay, there are things you need to know.  Learn all your options after receiving a […]
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Flashpark – Should you Pay or Appeal

Scott Nelson

Flashpark provides an innovative service to private landowners who are dealing with unauthorised parking or want to operate a paid-only parking zone.  Flashpark works on behalf of these landowners to create a legal parking space while profiting from issuing Flashpark parking fines. Learn more about how they work and if you should really pay Flashpark […]
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AXA Missed Payment – Here’s What To Do 2022

Scott Nelson

An AXA missed payment doesn’t have to turn into a nightmare, providing you deal with the problem. AXA serves millions of people all over the world. Their client base is vast. It goes without saying the provider is well equipped to deal with missed payments. But do you know what to do? In this post, […]
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Sutton Parking Fine – Should You Pay or Appeal? 2022 Laws

Scott Nelson

Should you pay a Sutton parking fine? Find out what happens if you don’t pay a Sutton Council parking fine and what your other options are. We’ve rounded up the important information in one place, right here.  What is a Sutton parking fine? A Sutton parking fine refers to a Penalty Charge Notice issued by […]
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Admiral Missed Payment – Here’s What To Do 2022

Scott Nelson

You should deal with an Admiral missed payment as soon as possible. You’ll avoid further money troubles when you do. Car insurance is compulsory in the UK. Not having insurance can have serious consequences. But it’s easy to miss an Admiral monthly payment when you’re busy or your circumstances change! In my article, I look […]
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Do I Have to Pay a Parking Charge Notice? 2022 Laws

Scott Nelson

Do you have to pay parking tickets issued by private companies? That’s the main question we’ll be answering in this new post. There isn’t a straight answer for all situations but we can provide clarity on the subject. Read on to learn if you have to pay a Parking Charge Notice.  What is a Parking […]
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Private Parking Companies – Pay or Appeal? 2022 Laws

Scott Nelson

Private parking companies can issue you with a fine if they believe you have broken the rules of parking on their premises. But are these real fines and do you have to pay? We reveal everything you should know about parking tickets from private companies here.  What is classed as private parking? Private parking is […]
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Ticketmaster Missed Payment – Here’s What To Do 2022

Scott Nelson

Do you have a Ticketmaster missed payment? If you do, this post will help you understand how the company deals with them. You can book tickets through their deposit scheme or you could opt to pay for them in instalments through a payment plan. I explain what you should do when you miss a payment, […]
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Appeal a Parking Ticket – Everything You Need to Know 2022

Scott Nelson

Do you want to know how to appeal a parking ticket the right way with the best excuses? You’re in the right place.  Appealing to parking fines can be stressful and daunting to some people, causing them to give up and pay. Grow your confidence and knowledge of appealing a parking fine right here with […]
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Wandsworth PCN Appeal – Step-by-Step Guide 2022

Scott Nelson

What is the PCN Wandsworth appeal process? Our team have answered the most asked questions about Wandsworth Borough Council PCNs and explained how you can appeal against them. You might be let off the hook and avoid a fine of as much as £130!  What is a Penalty Charge Notice? A Penalty Charge Notice (PCN) […]
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Parking Tickets Portsmouth – Pay or Appeal? 2022 Laws

Scott Nelson

Should you pay parking tickets in Portsmouth? The answer to this question depends on the type of Portsmouth parking ticket you have received. Learn more about your options right now. Time might be running out to save money or make an appeal.  Parking tickets Portsmouth Parking tickets in Portsmouth can be from the local authority […]
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Good Excuses for Parking Ticket Appeals 2022

Scott Nelson

What are good excuses for parking ticket appeals? Take a look at our list of good excuses to appeal a parking fine below, and work out if you could avoid paying the fine.  Before we get into the best excuses to appeal a parking ticket, it’s important to know about the appeals process. Not all […]
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Klarna Can’t Pay – What You Need To Do 2022

Scott Nelson

Klarna can’t pay problems can soon turn into financial nightmares if you don’t stay in touch. When you know you’re going to miss a payment, contact Klarna support and tell them. Things happen and your circumstances change. It can happen to anyone. The key to a successful outcome is to seek advice from Klarna and […]
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Klarna Late Payment – What You Need To Do 2022

Scott Nelson

A Klarna late payment may not result in late fees. But it could get you in hot water with a debt collector. It’s too easy to overspend with a buy now pay later scheme. The temptation to shop till you drop can be too much and could lead to money troubles. I take a look […]
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Klarna Debt Collection – Should you Pay? 2022

Scott Nelson

When you’re referred to a Klarna debt collection agency, don’t ignore the correspondence. It’s best to deal with the overdue if you can. Klarna may not charge late fees, but they do use debt collectors to recover outstanding amounts. I look at how easy it is to fall into a Klarna debt trap. How the […]
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Klarna Missed Payment – Should you Pay? 2022

Scott Nelson

When you have a Klarna missed payment, try to settle the amount owed as soon as you can. If you don’t stay in touch and ignore all communication a debt collector could contact you. It’s all too easy to fall into a debt trap without realising it. Buy now pay later schemes make it too […]
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Clearpay Missed Payment – Should you Pay 2022

Scott Nelson

A Clearpay missed payment could harm credit history when you choose to ignore it. Like some other buy now pay later providers, Clearpay will be on the case the very next day. When you fail to get in touch, your problem can turn into a financial nightmare. I take a look at how Clearpay works […]
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Laybuy Missed Payment – Should You Pay? 2022

Scott Nelson

You should settle a Laybuy missed payment as soon as possible to avoid paying late fees. I take a closer look at how the buy now pay later provider deals with late and missed payments in my article. You’ll find interesting facts on how Laybuy handles things when you default on a payment. I explain […]
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Do Klarna Send Letters? What To Expect 2022

Scott Nelson

If you’re asking ‘do Klarna send letters?’ at any time. The answer is yes, they could. Especially when you miss or you’re late making a scheduled payment. I take a look at how Klarna deals with missed instalments and how you should respond when they contact you. Read on to find out more. What is […]
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Why Is My Clearpay Account Frozen? 2022

Scott Nelson

There could be several reasons for having your Clearpay account frozen. They might have disabled your account because you missed an instalment. You could have too many open plans. I look at why Clearpay freezes accounts, how they deal with things and what you should do when it happens. Clearpay Buy Now Pay Later Terms […]
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Vodafone Missed Payment – Here’s What To Do 2022

Scott Nelson

If you have a Vodafone missed payment, don’t panic, you’re not alone. Most people have smartphones these days. They’ve become an essential part of everyday life in one form or another. But it’s all too easy to overuse them and end up with a hefty bill at the end of the month. Take the bull […]
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Hounslow PCN – Pay or Appeal? 2022 Laws

Scott Nelson

Have you become the unfortunate recipient of a Hounslow PCN? If so, this is the post you need to read. We reveal all about a London Borough of Hounslow PCN and what you can do next. We’ll even tell you how to get 50% taken off your fine!  Can you park for free in Hounslow? […]
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Harrow PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

It can be daunting to receive a Penalty Charge Notice from Harrow Council, also known as a Harrow PCN. But you’re certainly not alone. Local authorities across London issue PCNs to scores of motorists.  We’ve rounded up the key information so you know all your options after receiving a Harrow PCN.  Is parking free in […]
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Brent PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Have you received a Brent PCN and are unsure whether to ignore it or pay? We’ll guide you to the best course of action with everything you need to know about dealing with a Brent parking fine. You’re not alone and you have more than one option!  What is a PCN charge? A Penalty Charge […]
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Merton PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Did your recent trip to the Merton area end with a council parking fine, also known as a Merton PCN? If so, you’re in the right place. We answer the most asked questions to do with a Merton PCN, including how to appeal a Merton PCN. Let’s get straight into it!  What is a Merton […]
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Camden PCN – Pay or Appeal? 2022 Laws

Scott Nelson

Camden is a bustling area of London that attracts many locals and tourists. But if you park in the area without paying the correct parking ticket, you may well be stung with a Camden PCN.  This concise post discusses three options after receiving a Camden Council parking fine. You need to know your options!  What […]
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Bexley PCN – Pay or Appeal? 2022 Laws

Scott Nelson

What is a Bexley PCN and do you have to pay these fines? We reveal all of your options after receiving a Bexley Council Penalty Charge Notice. Read on to uncover what you can and shouldn’t do next.  What is a Penalty Charge Notice? A Penalty Charge Notice (PCN) is a fine issued by local […]
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Barking and Dagenham PCN – Pay or Appeal 2022 Laws

Scott Nelson

Can you take a chance and not pay your Barking and Dagenham PCN? We answer this question and discuss a range of options after receiving a Barking and Dagenham parking fine. You can even get 50% off your fine. Find out how in the information below!  What is a Barking and Dagenham PCN? Penalty Charge […]
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Edinburgh Parking Tickets – Pay or Appeal? 2022 Laws

Scott Nelson

Has a recent visit to Edinburgh ended with an Edinburgh parking ticket? It might have dampened your trip, but do you have to pay? We discuss everything you need to know about Edinburgh parking tickets and Penalty Charge Notices right here.  What are Edinburgh parking tickets? Edinburgh parking tickets could refer to a parking ticket […]
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Barnet PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Have you had your day spiled by finding a Barnet PCN left on your car? Or maybe your morning coffee was made bitter by receiving one of these parking tickets in the post?  No matter how you were served you Barnet Council PCN, we have the key information you need to know. Find out if […]
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Openpay Missed Payment – Should you pay? 2022

Scott Nelson

An Openpay missed payment could prove expensive when you can’t repay the money that’s owed. Like some other buy now pay later schemes, Openpay could charge you a late payment fee. Stay in touch with the provider because if you don’t, it could impact your credit history. I look at how Openpay deals with missed […]
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Can I Transfer Catalogue Debt to a Credit Card? 2022

Scott Nelson

Catalogue interest rates can be much higher than credit cards, so many people ask:  ‘Can I transfer catalogue debt to a credit card’ in order to benefit from lower interest rates?  The answer is yes,  you  can transfer a catalogue debt to a credit card and in this article I will explain how. How do […]
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Zilch Missed Payment – Should you Pay? 2022

Scott Nelson

When you incur a Zilch missed payment, you should try to settle the overdue amount as soon as possible. Buy now pay later schemes are convenient. They allow you to buy goods without having to pay straight away. But they can also be a debt trap if you fail to make a repayment schedule on […]
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Ealing pay PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Do you have to pay an Ealing PCN or can you ignore these fines? What can really happen if you do ignore a PCN from Ealing Council? These are just some of the big questions we’ve answered below as we look at your options to deal with council parking fines.  What is an Ealing Penalty […]
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Southwark PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Should you pay a Southwark PCN? This is the main question we will be answering in this guide, while also considering your legal rights to challenge a Southwark Council PCN. If you recently received a council parking fine, you’re going to want to hear this.  What is a Southwark Council PCN? Penalty Charge Notices are […]
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Haringey PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Should you pay a Haringey PCN? This is the question on the minds of people who receive a Haringey parking fine in the post or left on their vehicle.  We answer this question by looking at what will happen if you don’t pay. And we’ll provide you with some alternative options, including how to get […]
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Hackney PCN – Pay or Appeal? 2022 Laws

Scott Nelson

After receiving a Hackney PCN, you have many options to consider. You might want to pay quickly and even take advantage of a reduced fine, but this isn’t your only option. Discover what you can do after being stung with a Hackney parking fine.  What is a Hackney parking fine? A parking fine from Hackney […]
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Hammersmith and Fulham PCN – Pay or Appeal? 2022

Scott Nelson

Have you received a Hammersmith and Fulham PCN? After seeing one of these little yellow packets on your vehicle or receiving one in the post, you might be worried and confused about what you can do. We discuss all your options after receiving a Hammersmith and Fulham PCN. Fear not!  Can I park in Hammersmith […]
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PCN Maidstone – Pay or Appeal? 2022 Laws

Scott Nelson

Have you been hit with a PCN Maidstone and are unsure what to do next? Scores of motorists are fined by Maidstone Borough Council due to parking contraventions, so you’re not alone. Discover your options after receiving a council parking ticket, right here.  What is a Penalty Charge Notice? A Penalty Charge Notice (PCN) is […]
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Croydon parking fines – Pay or Appeal? 2022 Laws

Scott Nelson

Croydon parking fines can be costly, so it’s only natural that you want to know if you need to pay. We answer this and lots of other questions about a Croydon PCN. If you have recently received a Croydon parking fine, you’re going to want to hear this!  What is a Croydon PCN? A Penalty […]
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Tower Hamlets PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Have you received a Tower Hamlets PCN? Not sure what it is and if you have to pay? You’re not alone. Lots of motorists receive a PCN from Tower Hamlets Council and don’t know what they should do next. We provide clarity on the process and your options here.  Tower Hamlets parking fines explained Tower […]
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Oldham pay PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Uncover the important details about an Oldham Council parking fine and what you can do about it. We discuss Oldham PCNs in detail and explain what will happen if you ignore your fine, right here.  What is an Oldham Council parking fine? An Oldham Council parking fine is formally known as a Penalty Charge Notice […]
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Kensington and Chelsea PCN – Pay or Appeal? 2022 Laws

Scott Nelson

Kensington and Chelsea attract scores of locals, business people and tourists, and many of them get caught out on the parking laws, resulting in a Kensington and Chelsea PCN. If you have received a Kensington and Chelsea PCN and don’t know what to do next, this article is for you.  What is a Kensington and […]
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Redbridge PCN – Pay or Appeal? 2022 Laws

Scott Nelson

Whether you were a local or just passing through, you might have received a Redbridge PCN. This is a type of parking ticket from the local council, but do you really have to pay? We answer this question and look at your other options after receiving a Redbridge PCN.  What is a Redbridge PCN? A […]
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Bromley Parking Fine – Pay or Appeal? 2022 Laws

Scott Nelson

Have you received a Bromley parking fine, also known as a Bromley PCN? We discuss whether you need to pay a parking ticket from Bromley Council, what will happen if you don’t and all your other options below. What is a Bromley parking fine? A Bromley parking fine is a fine issued by Bromley Council […]
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Clearpay Debt Collection – Should you Pay? 2022

Scott Nelson

When you fall behind with payments, you could find a Clearpay debt collection agent knocking on your door. It’s so tempting to apply for a Buy Now Pay Later card. You don’t have to wait to get things you want and if you’re impatient, it’s a great solution. It’s also easy to overspend. People find […]
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What Happens if You Don’t Pay Klarna? 2022

Scott Nelson

In simple terms, when you don’t pay Klarna on time future payments are not accepted until the amount owed is repaid, but there is more to it than that. There are so many Buy Now Pay Later (BNPL) companies around these days and all of them are tempting. However, many people wonder what happens if […]
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Birmingham PCN – Pay or Appeal? 2022 Laws

Scott Nelson

Birmingham City Council can issue parking tickets for parking offences on council land. These are known as Penalty Charge Notices or PCNs. So, what are your options after being served with Birmingham PCN?  We answer this question in detail as well as other queries by disgruntled motorists in the midlands.  What is a Birmingham PCN? […]
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Kingston PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Do you have to pay a Kingston PCN and what will happen if you don’t? Disgruntled motorists who received a Penalty Charge Notice from Kingston upon Thames Council will uncover all their options here.  What is a Kingston PCN? Kingston upon Thames Council can issue a Penalty Charge Notice (PCN) to motorists who park illegally […]
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Islington PCN – Pay or Appeal? 2022 Laws

Scott Nelson

Have you been hit with a parking fine from Islington Council, also known as an Islington PCN? We discuss the details about Penalty Charge Notices from your local authority and what you can do about them. Discover your rights and options when facing an Islington PCN now. You need to hear this!  What is an […]
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Westminster PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

The City of Westminster Council can issue parking tickets for local parking offences within its jurisdiction, known as a Westminster PCN. Uncover whether you really need to pay a Westminster PCN and your other options to push back against these council parking fines.  What is a Westminster PCN? A Penalty Charge Notice (PCN) is a […]
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Energy Debt – Should you Pay? 2022

Scott Nelson

With energy costs rapidly escalating, so too is energy debt. Many of us are struggling to keep up with the ever-rising monthly bills. More and more are finding ourselves in debt with gas and electric companies. This article will provide you with all the information you need to navigate the energy debt minefield with confidence. […]
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Waltham Forest PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Just received a Waltham Forest PCN and not sure whether you should pay it? We explain your rights when fighting back against council parking fines. Find out all your options and how you can even get a discount on your Waltham Forest PCN. What is a Waltham Forest PCN? A Waltham Forest PCN is a […]
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What happens if I don’t pay my electric bill UK? 2022

Scott Nelson

In the current climate, many of us wonder, ‘what happens if I don’t pay my UK electric bill?’ You only need a cursory glance at the news this year to know energy costs are skyrocketing as many struggle to keep up payments. When those red reminder letters start dropping through the letterbox it can seem […]
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Greenwich PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Found a Greenwich PCN left on your car? Or maybe it was sent through the post? No matter how you received your Greenwich Council parking ticket, it can come as a shock. We look at whether you need to pay a Greenwich PCN and what your next move should be.  What is a Greenwich PCN? […]
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Newham PCN – Pay or Appeal? 2022 Laws

Scott Nelson

What should you do after receiving a Newham PCN? This guide is for any motorist wanting to know all their options after receiving a Newham Council parking ticket.  What is a Newham PCN? A Newham PCN is a Penalty Charge Notice that has been issued by Newham Council to a motorist. If you have received […]
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Enfield PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Should you pay an Enfield PCN? What other options do you have? Learn everything you need to know about Enfield Council parking tickets and your options here. We’re helping Londoners deal with their parking tickets.  What is an Enfield PCN? PNC stands for Penalty Charge Notice, which is a type of fine that can be […]
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Lambeth PCN – Pay or Appeal? 2022 Laws

Scott Nelson

Whether you received your Lambeth PCN in the street or through the post, you need to know what can happen if you don’t pay – and your other options.  This guide is written to help any motorist who received a parking ticket from Lambeth Council and is unsure if they should ignore it, challenge it […]
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Lewisham PCN – Should you Pay or Appeal? 2022 Laws

Scott Nelson

Did a quick stop off in Lewisham result in a Lewisham PCN stuck to your car window? Or maybe you received a Lewisham PCN in the post? Whatever your situation, we discuss if you should pay your Lewisham Council parking ticket and what other options are available. Let’s motor on!  What is a Lewisham PCN? […]
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Andrew James Enforcement Ltd – Should you Pay? 2022

Scott Nelson

Andrew James Enforcement might have sent you a letter, leaving you stressed, anxious and even scared. This guide is here to help you find clarity when dealing with Andrew James Enforcement, providing you with simple information and your options. Take a deep breath and learn more below.  Beating Debt Collectors There are several ways to deal […]
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Are Private Car Park Fines Enforceable? 2022 Laws

Scott Nelson

Are private car park fines enforceable? The answer to this question is not black and white. In the beginning, they are not enforceable but at later stages, they could be. Get a clear and complete answer to this question and related queries right here.  Private road parking enforcement A private road parking ticket is called […]
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One Source Debt Resolution – Should you Pay them? 2022

Scott Nelson

OneSource Debt Resolution sends letters to people who owe debts to their local council. If they have sent you a letter asking for payment, you may be scared and confused.  Is OneSource Debt Resolution a scam, should you pay them and what can you do if you can’t afford the debt? These are all questions […]
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ARP Enforcement Agency Ltd – Should you Pay? 2022

Scott Nelson

Have you received a letter from APR Enforcement Agency Ltd? You should only have received one of these letters if you have already received a court order asking you to pay a debt to your local council.  We discuss whether you need to pay APR Enforcement and what you should do next. Always get debt […]
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Parking Tickets – Should you Pay or Appeal? 2022 Laws

Scott Nelson

All you need to know about parking tickets is right here. We discuss whether you should pay or appeal a parking ticket. It’s not a straightforward answer. It will depend on the type of parking ticket you have received and the facts around your case. Let’s charge on.  What is a Penalty Charge Notice? A […]
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Does a Parking Ticket Have to be Placed on the Car? 2022

Scott Nelson

Does a parking ticket have to be placed on a the car? Lots of people ask this question because they want to know if they have gotten away with not paying for parking or parking illegally in a public area. Learn the answer and more in this friendly guide.  Council parking tickets Vs Private parking […]
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Parking Fines on Private Land – What you need to know 2022

Scott Nelson

Everything you need to know about parking fines on private land is discussed in this concise guide. We answer the most common questions posed by UK motorists about parking fines on private land. Read on to uncover why these fines are not real fines – and what you can do about them.  Is it illegal […]
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Parking Charge Notice Ignore? What’s the Law 2022

Scott Nelson

Parking Charge Notice – ignore or pay? This discussion post will ask whether you can ignore parking tickets from private companies and what could happen if you do. There is also a third option you may have not considered. Tackle your private parking ticket with our help.  What is a Parking Charge Notice? A Parking […]
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How to Pay Off Catalogue Debt? 2022 Guide

Scott Nelson

With the option of spreading payments over time, catalogues can often seem like a more affordable way to pay for goods. However, although the initial outlay may be lower, high interest rates and ongoing repayments means that debt can easily build up. This is a more common problem than you might think so we’ve taken […]
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Do Parking Tickets have to be Issued Within 14 days? 2022

Scott Nelson

Do parking tickets have to be issued within 14 days? The answer to this question depends on the type of parking ticket (council vs private) and some other details of your situation. Either way, you should be given a parking ticket in good time to have a fair chance of appealing against it. Learn more […]
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Council Parking Fines – 2022 Guide to UK Laws

Scott Nelson

Learn the important details about council parking fines here. We discuss how local councils issue parking fines, how you can have your fine reduced – and even how to contest your local council PCN.  How do councils issue parking fines? Local councils issue parking fines by employing parking wardens to patrol urban arrears where illegal […]
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Wrong Registration Number on PCN – 2022 Laws

Scott Nelson

Wrong registration number on PCN – do you still have to pay?  You might have received a PCN in your name with a slightly or completely different car registration number. The natural first question to ask is does this mean you don’t have to pay the fine? We answer this and relevant questions below.  What […]
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Bus Lane Penalty Charge Notice – 2022 Guide

Scott Nelson

What is a bus lane Penalty Charge Notice and do I have to pay? These are the sort of questions that get asked by anyone who receives a PCN for driving through a bus lane. Learn more about bus lane PCNs, how to challenge them and the important bus lane Penalty Charge Notice time limit […]
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Lost PCN Number? What To Do Next

Scott Nelson

“I have lost my PCN number and don’t know what to do.” We can help you find your PCN, and if you have lost your PCN, we can help you know where to look for it. You’ll probably need your lost PCN number to make a payment, so it’s best that you recover it swiftly.  […]
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Appeal PCN – What You Need To Know 2022

Scott Nelson

Can you appeal a PCN, and if so, how do you appeal a PCN? We answer all your common questions about challenging a PCN across the UK. If you were angry to receive a PCN you don’t think is fair, this is the guide for you. Read on and potentially save yourself having to pay […]
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Check car penalty online – Steps by step guide 2022

Scott Nelson

Can you check a car penalty online? We recap on Penalty Charge Notices (PCNs) and discuss whether you can view any outstanding PCNs online. If you’re worried about a PCN in your name, you need to scroll through this guide for important details.  What are Penalty Charge Notices? A Penalty Charge Notice, also known as […]
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PCN Appeal Letter Template – Free Sample

Scott Nelson

MoneyNerd has created a Penalty Charge Notice appeal letter for everyone who needs it to download for free. Learn how and why you should appeal a PCN and make it effortless with our downloadable Penalty Charge Notice appeal letter.  What is a Penalty Charge Notice? A Penalty Charge Notice (PCN) is a type of fine […]
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Penalty Charge Notice Number – What You Need to Know

Scott Nelson

What is a penalty charge number and where do I find it? We answer the most asked questions about PCN numbers here, as well as other common questions from people who have received a Penalty Charge Notice.  What is a penalty charge notice? A Penalty Charge Notice (PCN) is a fine for illegally parking a […]
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Can HMRC Take my House? What You Need To Know

Scott Nelson

Can HMRC take my house if I have unpaid debts? You may have gotten into debt with HMRC and are now worried about what happens next. We discuss what will happen if you have unpaid debts and look into what they can do to homeowners. Discover the finer details right here.  Common HMRC debts HMRC […]
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Can HMRC Debts Be Written Off? 2022 Guide

Scott Nelson

Can HMRC debts be written off? The good news is that it’s sometimes possible to get some or all of your HMRC debt written off. The likelihood of this happening depends on personal circumstances, your mental health or even the method used to repay your HMRC debt. We breakdown the important points for you below.  […]
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What happens if I Can’t Pay my Overdraft? 2022 UK Guide

Scott Nelson

What happens if I can’t pay my overdraft? This is one of the most asked questions on the internet and we’re here to answer it.  The laws recently changed about what banks can do when you go overdrawn. Brush up on the latest information and find out what to do when you can’t pay your […]
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Can an Overdraft be Statute Barred? 202

Scott Nelson

Can an overdraft be statute barred? Although the answer to this question is straightforward, there is a lot more you need to know which could change the answer. Anybody with old overdraft debts needs to hear this now. Don’t worry, here’s what to do! There are several debt solutions in the UK that can be […]
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Consequences of Not Paying Phone Contract UK (2022)

Scott Nelson

What are the consequences of not paying your phone contract in the UK? Mobile phone contracts are a non-priority debt, but that doesn’t mean you can avoid paying them.  Learn what will happen if you do not pay your mobile contract and related questions, such as can you go to jail for not paying your […]
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Can a Statute Barred Debt be ‘Unbarred’? 2022

Scott Nelson

Can a statute barred debt be unbarred? You might be worried about your statute barred debt being reversed and you suddenly being made to pay it. But are these concerns legitimate? Put your mind at ease with this quick guide discussing statute barred debts.  What is a statute barred debt? A statute barred debt is […]
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If I Clear my Debt can I get a Mortgage? 2022 Guide

Scott Nelson

If I clear my debts can I get a mortgage? If you’re currently planning a mortgage application but existing debts or previous arrears are playing on your mind, this is the article for you. We discuss if and how debts can affect your mortgage application by answering the most asked questions.  Debt and mortgage applications […]
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Can I get a Loan to Clear my Debts? Guide & FAQs

Scott Nelson

Can I get a loan to clear my debts? If you have multiple debts this may be a question you have asked recently.  The good news is that it might be possible to use a new loan to pay off multiple other debts. This could have multiple benefits and even save you money. Learn more […]
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My Dad Is in Debt How Can I Help? 2022

Scott Nelson

My dad is in debt, how can I help him? Scores of sons and daughters ask this question, especially when they don’t have the money to pay off their dad’s debt themselves.  But don’t fret – there are ways to help your parent get out of debt without having to put your hand in your […]
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My Mum is in Debt how can I Help? 2022 Guide

Scott Nelson

My mum is in debt, how can I help her? You might be a worried son or daughter wanting to help your mum with a debt problem. Don’t worry if you cannot afford to help financially. There are other ways to help your mum get out of debt. We discuss the ways you can help […]
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My Son is in Debt How Can I Help? 2022 Guide

Scott Nelson

My son is in debt, how can I help? This is a question asked by many worried mums and dads across the UK. We explain how parents can help their son out of debt without having to put their hand in their pocket. Read on to learn how to help your son out of debt.  […]
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My Parents are in Debt How Can I Help Them? 2022

Scott Nelson

“My parents are in debt – how can I help them?” This is a frequently asked question by worried sons and daughters across the UK. If your parents have arrears they’re struggling to clear, you’ll naturally want to help. We discuss three important steps you should take to help your parents get out of debt […]
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Should I Help my Spouse with Debt? 2022 Guide

Scott Nelson

Should I help my spouse with debt? If you just discovered your husband or wife has a debt problem, you might be wondering if you are legally responsible to repay the debt as well, and what you can do to help them get out of debt. Discover the important information right here.  How debt can […]
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How to Help Someone get out of Debt – 2022 Guide

Scott Nelson

Are you looking for guidance and support on how to help someone get out of debt? You’re in the right place.  It can be a difficult experience watching a family member or friend struggle with debt and financial insecurity. You probably want to help but are unsure of what to do. The good news is […]
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How Does Debt Write Off Work? 2022

Scott Nelson

How does debt write off work? In this new guide, we explain the two main ways of getting your debt written off, including a debt write off by your creditor. Learn how to improve your chances of getting a debt written off and download our free letter template to make your request easier. If you […]
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Can I Settle Debt with a Debt Collector? 2022

Scott Nelson

Can I settle debt with a debt collector? If you’re been chased for a debt by debt collectors there may be an opportunity to repay and save money using a full and final settlement offer. Find out about debt settlement with debt collectors here.  What is a debt collector? (busting the myth!) A debt collector, […]
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Can a Tax Debt be Written Off? 2022 Guide

Scott Nelson

Can a tax debt be written off? The answer to this question depends on what type of tax debt you have. We take a look at the most common types of tax debts before looking at the repercussions of these debts. And then we ask the big question – can you get tax debt written […]
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Can I get my Energy Debt Written Off? 2022 Guide

Scott Nelson

Can I get my energy debt written off? Energy bills are some of the biggest and most unpredictable bills for UK households, so it is not surprising that we can sometimes fall behind on payments. But is it possible to write off some or all of your energy bill arrears? Let’s find out. Can I […]
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Can a Written Off Debt be Reinstated? 2022

Scott Nelson

Can a written off debt be reinstated? If you have managed to avoid paying a debt that was written off, you might be worried if that debt can ever be reinstated and chased once again. We look at how debt gets written off in the first place before answering this important question.  What is a […]
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What are the risks of an IVA? Full Breakdown

Scott Nelson

What are the risks of an IVA? Everyone considering picking up the phone to a commercial debt management company should first understand a little about the risks of an IVA. We have rounded up the common disadvantages of an IVA and explained the major risk of using this formal debt solution. Read on!  How does […]
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How Often are IVAs rejected? 2022 Guide

Scott Nelson

How often are IVAs rejected and accepted? Below you will uncover how an IVA gets accepted and how often they are accepted. We’ll also take a look at published data regarding how often they fail and other interesting IVA trends.  A quick explanation of IVAs  An IVA stands for Individual Voluntary Arrangement and is a […]
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Can an IVA stop a CCJ? 2022 Guide

Scott Nelson

Can an IVA stop a CCJ? This question may be asked by people who are worried about being issued with a CCJ or by people who already have one. We recap on IVAs and CCJs before answering our main question from both angles in this guide.  What is an Individual Voluntary Arrangement? An Individual Voluntary […]
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Are IVAs published? Find Out Where

Scott Nelson

Are IVAs published after you get your IVA proposal accepted? You might be considering an IVA but are worried about how confidential the process is and who might find out you have an IVA.  It’s completely understandable to ask these questions, and we have the answers you’ve been searching for below.  What is an IVA? […]
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Can I do an IVA myself? 2022 Guide

Scott Nelson

Can I do an IVA myself? The application process for an IVA can be confusing and expensive, which has caused lots of people to ask if they can organise an IVA on their own. We answer this question while looking at other aspects of the IVA process here. Read on if you have been asking: […]
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What are the Negatives of an IVA? 2022 Guide

Scott Nelson

What are the negatives of an IVA you should know about when considering this debt solution? An IVA might be the most suitable way for you to get out of debt, but like all debt solutions, it comes with positives and negatives. We take a look at these in this easy-to-read guide.  What is an […]
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Can a Debt Management Plan Stop Bailiffs?

Scott Nelson

Can a Debt Management Plan stop bailiffs? The answer to this question depends on your situation and what stage your creditor is at in its debt recovery process. In the guide below, we explain the times when a DMP could potentially stop bailiffs knocking at your door, and when it may no longer be an […]
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How does a Debt Management Plan Affect Your Mortgage?

Scott Nelson

How does a Debt Management Plan affect your mortgage? This question could be asked by people considering a DMP or people already on one. From the basics of mortgages and DMPs to taking out your first mortgage or remortgaging on a DMP, we answer all your DMP and mortgage questions below.  What is a DMP […]
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Can you put a Guarantor Loan on a Debt Management Plan?

Scott Nelson

Can you put a guarantor loan on a Debt Management Plan (DMP)? This is a good question for anyone considering a DMP with an existing guarantor loan.  We have quickly recapped on DMPs below before answering this and related questions. If you are thinking about a DMP and have an outstanding guarantor loan, you need […]
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What is an Informal Debt Management Plan?

Scott Nelson

An informal Debt Management Plan is used by some people to help them pay off multiple debts without getting into financial hardship. In this guide, we will fully explain what you need to know about informal debt management plans and how they work with a simple example.  If you currently have arrears with more than […]
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Lifetime Mortgage Reviews – What you Should Know First

Scott Nelson

It’s natural to want to read some lifetime mortgages reviews before getting equity release advice or making an application for this type of credit. We’ve recapped on lifetime mortgages below and provided some genuine lifetime mortgage reviews for you to chew over. Take a read below!  What is a lifetime mortgage and how does it […]
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Lifetime Mortgage Calculator – Helping You Decide

Scott Nelson

A lifetime mortgage calculator could help you understand how much it will cost to use these types of equity release loans. Due to the way equity release loans are repaid and compounding interest rates, they can be difficult to get your head around. A financial adviser should be able to help you grasp the full […]
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Lifetime Mortgage Advice – Where to Look & More

Scott Nelson

If you want to take out a lifetime mortgage, you will need to receive lifetime mortgage advice first. Lifetime mortgages are huge commitments that are likely to stay with you for the rest of your life and can have significant implications and consequences. In this MoneyNerd post, we explain everything you need to know about […]
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Lifetime Mortgage Rates – All You Need to Know

Scott Nelson

What are the best lifetime mortgage rates? This is one of the main questions we will be taking a look at here. If you are considering a lifetime mortgage to fund your retirement, make sure you get equity release advice first and consider alternative options as well. Read on to uncover the details on lifetime […]
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Home Reversion Plan Calculator – How It Can Help You

Scott Nelson

Use a home reversion plan calculator to help you understand how much money you could release using a home reversion scheme, and how much it could end up costing you in the end.  We discuss the specifics about home reversion equity release before explaining everything you need to know about a home reversion calculator and […]
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The Best Home Reversion Companies – Overview & Tips

Scott Nelson

What are the best home reversion companies in the UK? If you have received equity release advice and have decided to look for a home reversion plan, you will want to know what your options are.  Unfortunately, there are not as many home reversion plan providers as there are lifetime mortgage lenders. But this guide […]
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The Best Equity Release Brokers – Overview & Tips

Scott Nelson

Everything you need to know about equity release brokers can be found in this MoneyNerd guide. Below we revisit the fundamentals of a lifetime mortgage and home reversion plan before taking a look at some of the general public’s most asked questions, including queries about equity release brokers.  What is equity release and who can […]
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Lifetime Mortgages – Guide, FAQs & More

Scott Nelson

Read our latest lifetime mortgages guide as we illustrate what they are, how they work, the overall cost, explain how to compare lifetime mortgages and much more. If you want to know more about equity release in general or a lifetime mortgage, this is the guide for you! What is equity release? Equity release is […]
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The Best Lifetime Mortgage Providers – Overview & Best Options

Scott Nelson

What is a lifetime mortgage equity release and which lifetime mortgage providers should you consider?  We have the important facts for you to know before considering equity release plans in the UK, as well as a rundown of some of the most popular lifetime mortgage providers. If you’re weighing up equity release right now, then […]
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What Is an Enhanced Lifetime Mortgage? In-Depth Overview

Scott Nelson

What is an enhanced lifetime mortgage and how do they work? To answer this question, we must first explain how equity release works and take a crash course on lifetime mortgages. In this guide, you’ll learn the basics of equity release, the purpose of an enhanced lifetime mortgage and much more.  What is equity release? […]
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The Best Lifetime Mortgage – Guide, Advice & Tips

Scott Nelson

Why should you consider a lifetime mortgage and which companies are the best lifetime mortgage providers right now? This detailed guide will put lifetime mortgages under the microscope before taking a look at some of the best lifetime mortgage providers and some interesting lifetime mortgage variations.  If you want to use equity release to receive […]
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What is a Lifetime Mortgage Drawdown? Overview & More

Scott Nelson

If you have been considering a lifetime mortgage, you need to know about a drawdown lifetime mortgage. Drawdown lifetime mortgages could save you thousands of pounds in unnecessary interest, help you budget for retirement and may even ensure you can still receive means-tested benefits. Learn more here!  What is equity release and how does it […]
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Flexible Lifetime Mortgage – Complete Overview

Scott Nelson

To understand what a flexible lifetime mortgage is and how it works, you must first understand how a lifetime mortgage works. If you already know all about lifetime mortgages, scroll halfway down our guide to uncover the key details about flexible lifetime mortgages.  What is a lifetime mortgage and how does it work? A lifetime […]
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Lifetime Fixed Mortgage – What Is It and How Can It Help You?

Scott Nelson

A lifetime fixed mortgage could be an optimum method of funding your retirement. This equity release plan – not to be confused with fixed-rate residential mortgages – will provide you with a tax-free lump sum and no monthly repayments to make. Learn more about lifetime fixed mortgages and how they could help you in later […]
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Are Lifetime Mortgages a Good Idea? – Guide, Advice & More

Scott Nelson

Are lifetime mortgages a good idea? To answer this question you must first have up-to-date and accurate information on equity release in the UK.  In this guide, we explain how lifetime mortgages work and answer a host of common questions surrounding these loans, including if they are a good idea or not. Get the facts […]
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Equity Release Lifetime Mortgages – All You Need To Know

Scott Nelson

What is an equity release lifetime mortgage and how do they work? We explain everything you need to know about lifetime mortgages in the UK here. Use this guide as your ideal crash course before exploring this method of borrowing for seniors in further detail.  What is equity release and who qualifies? Equity release is […]
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Home Reversion Scheme – What It Is and How You Do It

Scott Nelson

A home reversion scheme might not be the most popular method of equity release for seniors, but it is worth looking into if you are considering releasing equity from your home. We discuss the basics of home reversion plans in this guide, including the pros and cons of home reversion plans in the UK and […]
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Home Reversion Plan vs Lifetime Mortgage – Which Is Better?

Scott Nelson

Home reversion plan vs lifetime mortgage – what’s better?  In this guide, we take a detailed look at these two types of equity release loans to help you understand the differences, and maybe help you decide which one you prefer. You should always get professional equity release financial advice to help you make a decision.  […]
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Equity Release Schemes in 2022 – Complete Review

Scott Nelson

What are equity release schemes and where can you find the best equity release schemes in the UK? We take a hard look at equity release to explain how it works and who some of the best equity release lenders are.  What is equity release? Equity release is a way for older homeowners to borrow […]
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Is Equity Release Worth It? Pros and Cons

Scott Nelson

Is equity release worth it? If you have heard of equity release before, you’ll know that it allows seniors to access a lump sum payment and make no monthly repayments.  But you’ll also know that when the time does come around to repay, it can be really expensive. So that leaves the question – is […]
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Is Equity Release a Con? Quick Analysis

Scott Nelson

Is equity release a con? Many people have asked this question in the past and we’re not surprised that you’ve searched this question online today.  After all, there are not many loans that provide a lump sum and demand zero monthly repayments. Along with a historic bad reputation, it’s natural to be cautious of the […]
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Government Equity Release Scheme – How It Can Help You

Scott Nelson

The UK Government has come up with many initiatives and schemes over the years to try and help first-time buyers finally get their foot on the property ladder. The most recent of which is a government equity release scheme which will only require aspiring first-time homeowners in England to have a 5% deposit at minimum.  […]
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Equity Release to Pay Off Mortgage – All You Need to Know

Scott Nelson

Can I release equity from my home? If you have been paying off your mortgage for a while, there is a good chance you have built up a sizeable amount of home equity.  You can leverage this equity to help accomplish other things, such as a holiday home purchase or home improvements. Join us as […]
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Equity Release or Remortgage – Complete Comparison

Scott Nelson

Using an equity release plan or remortgaging are two completely different methods of releasing equity from your home, and for the most part, they are used by different people in different situations.  But there may be a small percentage of the population who qualify to use either method and have the same intentions, such as […]
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Alternatives to Equity Release – Complete Analysis

Scott Nelson

Have you been searching for the alternatives to equity release? Although equity release can be an effective and efficient option to access quick cash in retirement, it is not the only option. We reveal more than one alternative to equity release in this guide. But before we get to them, let’s recap on what equity […]
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Remortgage and Release Equity – Complete Guide

Scott Nelson

How do you remortgage to release equity? If you want to borrow money and have built up some home equity, you could switch your current mortgage deal and borrow more in the process. This is often used to fund home improvements, pay off other debts or finance further property investments.  This detailed guide explains exactly […]
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The best Equity Release Providers – Complete Analysis 2022

Scott Nelson

What is the best equity release loan and the best equity release provider in the UK? These are two questions hastily asked by anyone considering equity release to fund their retirement or just improve the quality of later life.  Read this guide if you want to know more about equity release products and where you […]
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Selling Home to Pay for Care – What You Should Know

Scott Nelson

Selling a home to pay for care home fees is a big topic in the UK. In fact, the UK Government just increased National Insurance to contribute to a new Health and Social Care Levy designed to prevent more people from having to sell their home to pay care home costs.  So how do care […]
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Best Equity Release Rates for 2022

Scott Nelson

What are the best equity release rates available in 2022? If a lifetime mortgage is on your radar, you probably want to know how much interest you’ll be charged when taking out a plan this year. We explain how lifetime mortgages work, what you can expect to be charged and how to mitigate the interest […]
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Shared Ownership Equity Release – Overview & More

Scott Nelson

What is shared ownership equity release and is it even possible? There is some confusion relating to what classifies as shared ownership equity release – and we’re here to bust the myths.  If you have a genuine shared ownership property and want to know if a lifetime mortgage or other equity release plan is available […]
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Equity Release Scotland – Detailed Overview

Scott Nelson

There has been a surge in the number of internet users searching for “equity release Scotland” online. But what really is equity release and is it even available to people who live in Scotland? If you are an older homeowner looking for a way to access a lump sum loan with zero monthly repayments, you […]
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Equity Release Northern Ireland – Detailed Guide

Scott Nelson

Learn the basics about equity release (Northern Ireland) right here. We explain how equity release works for residents of Northern Ireland and answer the most asked questions by locals. Let’s begin with what equity release really is.  What is equity release and how does it work? Equity release is a method of borrowing for senior […]
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How to Delete Your Very Account? 2022 Closing Guide

Scott Nelson

Do you want to delete your Very account that you’re no longer using or you’re too tempted to use all the time? Throughout this guide, we’ll show you how to delete your Very.co.uk account for good to stop you from being tempted and save you some money. Who are Very.co.uk? Very.co.uk is an online retailer […]
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Equity Release Specialists – Overview, FAQs & More

Scott Nelson

What are equity release specialists and how much do they charge? These are two of the main questions we will be answering in this guide. But before we get into that, let’s recap on lifetime mortgages, home reversion plans and related topics.  What is equity release and who can use it? Equity release is available […]
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Equity Release Companies To Avoid? Reviewed 2022

Scott Nelson

What are the equity release companies to avoid?  In this detailed new guide, we take a look at the different types of equity release and the advantages and disadvantages of equity release in the UK. We then look at which equity release companies to avoid, and which ones to consider.  What is equity release and […]
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Equity Release Reviews 2022

Scott Nelson

Learn what people think about lifetime mortgages and specific equity release companies with some equity release reviews.  We take a look at some generic and company-specific equity release reviews so you know more about these products and what to look out for. Let’s start with a quick recap on how equity release really works.  What […]
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Cheapest Equity Release Plans – Complete Review

Scott Nelson

What is the cheapest equity release plan in the UK? If you have decided to apply for a lifetime mortgage, you’ll probably want to know where the cheapest equity release interest rates can be found.  Here you can find some useful tips when searching for equity release interest rates in the UK, and some additional […]
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Equity Release Advisors – How Do They Help?

Scott Nelson

Do you want to compare equity release methods and know what to look out for? You came to the right place. Throughout this guide, we will discuss the various equity release options and compare the two types of equity release in the UK.  What is equity release and how does it work? Equity release is […]
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How to Release Equity from Your Mortgage? Detailed Guide

Scott Nelson

How can you release equity from your mortgage? We discuss the different ways to access some of your home equity in the UK. We’ll look at the three most common methods of releasing equity, namely remortgaging, second charge mortgages and an equity release mortgage for over 55s.  What is home equity? Home equity is the […]
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Pension Equity Release – Complete Guide & FAQs

Scott Nelson

What is pension equity release and what are the implications of it? In this brand-new guide, we discuss the possibility of taking money from your personal pension early, and the tax implications of doing so. We also take a look at an alternative to taking money from your pension early, called a lifetime mortgage. Let’s […]
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Equity Release with an Existing Mortgage? Complete Guide

Scott Nelson

Can you get equity release with an existing mortgage? We discuss the potential to use an equity release plan with a small existing mortgage here. And we take a look at the other ways of releasing equity with an existing mortgage debt.  What is home equity? Home equity is the value you own in your […]
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The Best Equity Release Deals – Complete Analysis 2022

Scott Nelson

What are the best equity release deals? We take a look at equity release interest rates before looking at three options that could be attractive depending on your situation. Let’s get straight into it.  What are equity release deals? Equity release products are a way for older homeowners to borrow money secured by their home. […]
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Equity Release to Help Children – Complete Guide

Scott Nelson

Can you use equity release to help children?  Equity release is well-known as a way for seniors to help fund their retirement, which may mean different things to different people. But can equity release help power the bank of mum and dad? We discuss the possibility for equity release to be used as a financial […]
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Can I Get Equity Release with an IVA? FAQs & Tips

Scott Nelson

IVA equity release refers to a clause within Individual Voluntary Arrangements (IVAs) that asks the debtor to release equity (an asset!) towards the end of their debt solution repayment plan and give the money to their IVA creditors.  So, how can debtors release equity at this stage of their IVA, and can senior homeowners use […]
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What Is 100% Equity Release? Overview & FAQs

Scott Nelson

What is 100% equity release, and is it possible?  If you want to access a tax-free lump sum with no monthly repayments, equity release is the only option. But can you really get 100% equity release and still not have to make monthly repayments? Let’s find out as we recap on the different types of […]
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Equity Release on Jointly Owned Property? Complete Guide

Scott Nelson

Can you get equity release on jointly owned property, and if so, how does it work? Equity release is a complicated affair in any situation, but it can be made more complicated depending on your property ownership situation and living arrangements.  In this new MoneyNerd guide, we take a look at equity release for couples […]
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Can You Get Equity Release on a Leasehold Property? 2022

Scott Nelson

“Can you get equity release on a leasehold property?” This is a fantastic question asked by some senior homeowners considering a lifetime mortgage or other equity release plan. This guide will recap on what equity release is – and what it is not – before getting into the nitty-gritty of our main question. Read on […]
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Equity Release with Repayment Option – What You Should Know

Scott Nelson

Can you get equity release with repayment option? Equity release is renowned as a way of accessing money without needing to make any monthly repayments. So can you get equity release and make repayments – and if so, why would you want to? In this guide, we revisit the basics of equity release in the […]
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Equity Release Loan – Complete Guide for 2022

Scott Nelson

An equity release loan, also known as a lifetime mortgage or home reversion plan, is one way of making retirement more comfortable for suitable seniors. Learn everything you need to know about equity release loans in the UK, including how they work and FAQs, right here!  What does it mean to release equity? Releasing equity […]
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Equity Release Solicitors – Best Options & Tips

Scott Nelson

Equity release solicitors are an integral part of the equity release process and you will need to pay for their services.  We discuss the key details when choosing an equity release solicitor before providing you with good options whether you are based in England, Wales, Scotland or Northern Ireland. Read on for help looking for […]
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Best Equity Release Deals – Complete Analysis

Scott Nelson

What is the best equity release method in the UK and what is the best equity release provider? Anyone considering a lifetime mortgage or other plan will be eager to know the answers to these questions.  Although everyone should be receiving equity release advice to avoid the common equity release pitfalls, explore alternatives and potentially […]
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Equity Release Advisers – Complete Review

Scott Nelson

What are equity release advisers and how much does it cost to get equity release advice? We explain the role of an equity release adviser in the UK and answer your related questions in this guide. Everyone should receive professional equity release advice before making an application, so you’re going to want to know more.  […]
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Equity Release Companies – Best Options Reviewed 2022

Scott Nelson

What are the best equity release companies in the UK?  This question has been asked scores of times by our readers who are considering equity release. In this new guide, we discuss the details of equity release – including lifetime mortgages – and then look at some of the equity release companies and banks to […]
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Equity Release for Over 70s – Detailed Overview

Scott Nelson

Equity release for over 70s is a real possibility and may allow the homeowner to access a large percentage of their property value as a loan with no monthly repayments. Just because it is difficult to get home equity loans as a senior doesn’t mean accessing your equity is off the table. Uncover the key […]
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Equity Release for Over 65 – Complete Review

Scott Nelson

Equity release for over 65 does exist and it includes no monthly repayments. Sounds too good to be true? Well, you need to hear this.  Deciding to use an equity release plan when you are older than 65 can be a smart move that enables you to borrow against more equity than normal. Learn the […]
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Equity Release for Over 60s – Detailed guide

Scott Nelson

Uncover everything you need to know about equity release for over 60s here. We discuss how over 60s can still get a secured loan against their home equity – and they won’t even be required to make monthly payments to repay the debt. If you’re over 60 and want to release equity on your main […]
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Equity Release Schemes for Over 55s Reviews & In-depth Info

Scott Nelson

“Equity release for over 55” is a popular search online because so many seniors want to know if they can release equity without taking out a home equity loan, which is usually not available to older people nearing retirement. The good news is they can – and we’re here to discuss the details. What is […]
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How to Use The “Prove It” Letter Templates

Scott Nelson

The first thing to do if you are contacted by a debt collection agency that is claiming that you owe them money is to make sure that you get proof that the debt is yours and legitimate. You can download our “prove it” letter templates to guide you in how to best fight the accusation […]
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Retirement Equity Release – What to do, Tips & More

Scott Nelson

What is retirement equity release and how does it work? We provide a crash course on equity release options for retirees in the UK and provide some top tips along the way. If you’re seeking an equity release scheme to help fund your retirement, this guide is the perfect place to start your research. Don’t […]
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Home Loan Equity Release for Seniors – Guide & FAQs

Scott Nelson

Is it possible to get a seniors equity release home loan? In this guide, we ask if senior citizens in the UK can get a home equity loan as a retirement income, and look at some alternative options. If you need lump sum cash as an older person, you’re going to want to hear this!  […]
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Equity Release Age Limit 2022 Rules

Scott Nelson

What is the equity release age limit? This guide will quickly recap on lifetime mortgages and home reversion plans before discussing the minimum and upper age limit to release equity in the UK as a senior homeowner. With the information below, you’ll know if you qualify for lifetime mortgages based on your age – and […]
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How Much Does Equity Release Cost? Complete Analysis

Scott Nelson

How much does equity release cost?  When you take out a lifetime mortgage or other equity release plan, there is the cost of the plan itself, as well as other arrangement costs you may have not considered. This MoneyNerd guide is written to provide insights into the main and hidden costs of equity release. First, […]
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Can I Rent out My House with Equity Release? Property Laws

Scott Nelson

Can I rent out my house if I have equity release on it? And can I have a tenant or lodger in my house?  These are interesting questions for anyone considering taking out a lifetime mortgage or for anyone who already has one. You might be surprised by the answers.  Read on to learn about […]
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Equity Release Advice – Complete Review 2022

Scott Nelson

Do you have to get equity release advice before committing to a lifetime mortgage or other equity release product? Find out the answer to this question and uncover the average costs of equity release advice in the UK, right here!  Equity release explained Equity release is a method used by senior homeowners to access some […]
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Disadvantages of Equity Release – What You Should Know

Scott Nelson

What are the disadvantages of equity release? Anyone considering a lifetime mortgage or home reversion plan should be aware of the pros and cons of these schemes. This guide is dedicated to looking at the advantages and disadvantages of equity release, with special attention paid to the latter.  Read on to uncover more and get […]
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Pitfalls of Equity Release – What to Look Out For

Scott Nelson

Anyone considering an equity release plan like a lifetime mortgage should also be aware of the pros, cons and potential pitfalls of equity release in the UK.  In this new MoneyNerd guide, we discuss the different equity release schemes before looking at the potential pitfalls of equity release. If you’re thinking about releasing equity, you […]
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Dangers of Equity Release – What You Need to Know

Scott Nelson

What are the dangers of equity release? There are lots of pros and cons to consider before you release equity using a lifetime mortgage or other scheme.  In this new MoneyNerd guide, we recap the basics of equity release in the UK before diving into some of the dangers of equity release. Many common concerns […]
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Release Equity to Buy Second Property – Is It a Good Idea?

Scott Nelson

Releasing equity to buy second home? Can you release equity to buy a second property, and if so, how can you do it? We discuss the different methods of releasing equity to buy another property, including equity release for seniors and the possibility to use a second charge or remortgage to buy another property as […]
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Can You Repay Equity Release Early? Quick Answer

Scott Nelson

Can you repay equity release early? For various reasons, people who take out equity release plans may want to get out of their plan completely, or make some earlier repayments to increase the inheritance they pass on. But is this possible? We recap on equity release in the UK before answering this important question and […]
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How Much Equity Can I Release? Complete Analysis

Scott Nelson

How much equity can I release with a lifetime mortgage or home reversion plan? This is a common question and one that may decide whether equity release schemes are worthwhile to you.  Unlike other methods of borrowing, the amount of equity you can release is not determined by finances and credit scores. Let’s recap on […]
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Bad Credit Equity Release – Complete Review 2022

Scott Nelson

What is bad credit equity release – and is it possible to release equity with a bad credit history?  If you’ve been considering a lifetime mortgage or any other equity release scheme but are worried that bad credit will hold you back, you need to hear this first.  What is equity release? Equity release is […]
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How to Release Equity? Detailed Guide, FAQs & Tips

Scott Nelson

If you want to know how to release equity as a senior homeowner or by remortgaging, we have detailed explanations right here. This guide will explain the key difference between equity release schemes and remortgaging to release equity, so you know which one is applicable to your situation.  Always think carefully before borrowing against the […]
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Equity Release Rules – What You Need To Know 2022

Scott Nelson

What are the equity release rules when it comes to lifetime mortgages and any other equity release plans? We discuss and explain lots of equity release rules from eligibility to the Equity Release Council and even on spending your cash lump sum.  Always engage with an equity release adviser as part of the process, but […]
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Short Term Equity Release – Should You Do It?

Scott Nelson

What is short term equity release and does it exist? Anyone that knows a bit about lifetime mortgages and other equity release schemes may be confused about the idea of short-term equity release. So, is it possible? Read our guide to uncover the details.  What is equity release? Equity release refers to two main financial […]
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Can you Remortgage a Buy to Let to Release Equity? Guide

Scott Nelson

One of the most popular searches online regarding equity release is “remortgage buy to let release equity”. Although this may not make much sense to some people, it makes perfect sense to those wanting to remortgage their buy-to-let property to release equity.  But is buy to let equity release possible, and if so, how can […]
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I Will Buy Your Junk Mail

Scott Nelson

I’m looking for letters from specific debt collectors in the UK. Whether the letter is a notice of assignment, a payment reminder, a default notice or anything in-between I would like to buy it from you for £5. Why? By collecting and reviewing letters sent by debt collectors I get a deeper understanding and can […]
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Interest Only Equity Release? All you Need to Know 2022

Scott Nelson

What is interest only equity release and is it worthwhile?  There is a way to keep the growing costs of a lifetime mortgage down by choosing an interest-only lifetime mortgage instead. These interest-only mortgages may or may not be a wise financial decision.  Read on to learn about the interest-only equity release mortgage and related […]
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What is Drawdown Equity Release? Overview, FAQs & Tips

Scott Nelson

What is drawdown equity release and how does it work?  We revisit the topic of equity release before zoning in on drawdown lifetime mortgages in the UK in this post. Using a drawdown lifetime mortgage may save you on interest and maintain your eligibility for some state benefits. Learn more here!  What is equity release? […]
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Equity Release Horror Stories – What to Avoid

Scott Nelson

When you are considering a lifetime mortgage or other equity release plan, it’s normal to want to hear about equity release horror stories so you can avoid the same pitfalls.  In this guide, we address the basics of equity release before relaying some equity release horror stories found online. We’ll even tell you how to […]
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Equity Release Examples – 2022 Guide

Scott Nelson

One of the best ways of understanding different equity release schemes is with an equity release example of each one. That’s why we have created a dedicated post to provide examples of how the different plans work, along with answers to the most asked relevant questions.  Take in the information below to learn how they […]
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Mis-Sold Equity Release Schemes – What you Should Know

Scott Nelson

What classifies as mis-sold equity release schemes? In this equity release mortgage guide, we quickly recap on equity release mortgages and schemes before diving into the topic of mis-sold equity release.  If you believe you were wrongfully talked into equity release and mis-sold a plan, we’ll even explain what you can do about it.  What […]
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Equity Release Calculator – Work Out How Much

Scott Nelson

What is an equity release calculator and should I use one? If you are considering a lifetime mortgage, then an equity release calculator could help you understand how they work and how your debt can grow.  We recap on the fundamentals of equity release before explaining everything you need to know about an equity release […]
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Biggest Finance YouTuber 2022 (With Stats)

Scott Nelson

Who’s the Biggest Money YouTuber? We used tools like SocialBlade, Upfluence and YouTube’s own search feature to analyse the top 60 ‘Money YouTubers’. Watch the video here. Data on Money, Finance and Investment YouTubers Strangely, despite the enormous rise in ‘Money YouTubers’, outside of a few top ten articles, there really hasn’t been much researched […]
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Pros and Cons of Equity Release – Complete Analysis

Scott Nelson

What are the pros and cons of equity release?  We help you weigh up lifetime mortgages and other plans by discussing the advantages and disadvantages of equity release. If you are seriously considering this option, you should also seek professional advice from an independent financial adviser.  But our guide is a great starting point. Keep […]
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Can I Sell My House if I Have Equity Release? Quick Answer

Scott Nelson

Can I sell my house if I have equity release?  It’s common for people with an existing equity release plan to question whether they can sell their current home to move into a new property, possibly a smaller one as part of a downsizing plan.  The answer all depends on the value and type of […]
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Is Equity Release Safe? What You Need to Know

Scott Nelson

Is equity release safe? This is probably the first question you ask when you start to consider releasing equity as a senior.  In this guide, we discuss the safety of accessing tax-free cash from the value of your property and your ability to stay in your home without issues. Read on to determine if equity […]
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Equity Release Council – Everything You Need to Know

Scott Nelson

The Equity Release Council is a fantastic group working for older homeowners who are considering equity release and need advice during the process. We revisit the basics of equity release schemes before discussing what the Equity Release Council is – and what it does.  What is equity release? Equity release is a way for senior […]
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Is Equity Release a Good Idea? Quick Analysis

Scott Nelson

Is equity release a good idea?  This is a frequently asked question by any senior considering lifetime mortgages or home reversion plans. It’s a difficult question because the decision doesn’t just come down to finance. You’ll also need to consider your loved ones and estate beneficiaries.  We take a look at the pros and cons […]
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How Does Equity Release Affect Benefits? Complete Analysis

Scott Nelson

How does equity release affect benefits? This is one of the most searched questions related to equity release on the internet. If you’ve been asking this question, you should be proud of the level of scrutiny you’re applying to equity release plans and their wider consequences.  Below we have revisited what releasing equity from your […]
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Equity Release or Downsize? Complete Comparison & FAQs

Scott Nelson

Should I choose equity release or downsize to make retirement more enjoyable? If you’re entering your senior years, you probably want to make yourself as financially comfortable as possible.  Releasing equity and downsizing from your current home to a smaller one are two options that can do just that. But, which one should you choose […]
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Enhanced Equity Release – What You Should Know

Scott Nelson

Enhanced equity release is a good option for those considering equity release with ill health or a terminal condition. The amount of money you could release as tax-free cash within an enhanced lifetime mortgage could be far more than in a standard lifetime mortgage, giving you greater comfort in your twilight years. In this guide, […]
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Can You Get Equity Release on a Flat? – All You Need to Know

Scott Nelson

Can you get equity release on a flat?  With most elderly people living in houses, fewer people are asking whether you can get equity release schemes for apartments. The short answer is yes – but the long answer needs to make you aware of possible leaseholds issues and lease extension hurdles.  Keep scrolling to uncover […]
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Release Equity to Pay off Debt – 2022 Guide

Scott Nelson

Is it possible to release equity to pay off debt? We’ve been asked this question a lot recently, so thought it best to provide a detailed guide on how to release equity to pay off debt.  Read on to uncover the finer details of equity release, before we get to the meat of the question.  […]
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How Long Does Equity Release Take? Quick Answer

Scott Nelson

How long does equity release take? If you’ve decided to go ahead with an equity release plan, you’re probably eagerly anticipating your cash lump sum or drawdown to start making home improvements or to plan your next getaway.  We explain the different equity release schemes and how long the average equity release process will take […]
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Equity Release and What Happens After Death – 2022 Rules

Scott Nelson

Most of the concerns surrounding equity release plans are related to two things, either the rules about continuing to live in your home, and what happens to your plan when you die. In this free guide, we’ll be focusing on the latter.  We discuss some of the specifics about single and joint equity release schemes […]
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Equity Release Inheritance Tax – What You Need To Know

Scott Nelson

Equity release and inheritance tax are two topics that may have more to do with each other than you think.  In this guide, we recap on equity release before discussing how lifetime mortgages and other schemes can affect or even reduce the amount of inheritance tax owed. If you want to know about the tax […]
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Do You Pay Tax on Equity Release? Quick Answer

Scott Nelson

Do you pay tax on equity release? This is a common question asked by homeowners considering releasing equity. We discuss if the money you receive is subject to any type of taxation and how it is possible to use equity release to rescue inheritance tax.  What is equity release? Equity release is a type of […]
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PO Box 17 Stockport SK1 4AJ Debt Letter – Who is it?

Scott Nelson

Junk mail isn’t so common these days, but plenty of people still receive letters from unknown sources like PO Box 17 Stockport, SK1 4AJ. You’re probably more used to spam emails, but that doesn’t mean that an important-seeming letter from an unknown PO box isn’t worrying. It can be difficult knowing which post is from […]
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Secured Loan Rates – What Are They? FAQs, Tips & More

Scott Nelson

How good are secured loan rates of interest? One possible advantage of choosing a secured loan over an unsecured loan is that you might get a lower interest rate. So, what are secured loan rates really like?  We take a look at the interest rates on secured personal loans and what factors will influence the […]
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Short-Term Secured Loans – Overview, Tips & best Options

Scott Nelson

Short term secured loans can be a good option for people and families wanting a smaller amount of credit with a good interest rate.  Refresh your knowledge of secured loans below and find out more about short term secured loans, including an example from the loan market right now.  What is a secured loan? A […]
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Interest-only Secured Loans – What You Should Know

Scott Nelson

Scores of internet users have been searching “secured loans interest only”, seeking a secured loan where they only need to pay the interest on the loan for part of the repayment period.  But do these types of secured loans exist and if so, where can you find them? Read on to uncover the truth about […]
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The best Secured Loan Direct Lenders 2022

Scott Nelson

There is a growing trend of internet surfers searching for secured loans online, but many of them are actually searching for a “secured loan direct lender”. If you’re unsure what a direct lender is and are about to go hunting for your own secured loan deal, you’re going to need to hear this first.  There’s […]
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Secured Loans – 2022 Comparison

Scott Nelson

Once you’ve decided that a secured loan is right for you, the next task is to compare secured loans online. We recap on what a secured loan is before discussing the different places to look and compare loans.  Read on for additional tips and hints to help you find the most beneficial loan deal.  What […]
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Cheap Secured Loans – best Options, Tips & More

Scott Nelson

Finding cheap secured loans can save you a lot of money over the lifetime of the loan and even help you keep up repayments more easily. In this MoneyNerd guide, we discuss secured loans and look at some cheap secured loans in the UK today.  Taking out a secured loan comes with risks, but you […]
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Secured Loan Brokers – Complete Review 2022

Scott Nelson

What is a secured loan broker – and should I use one?  We receive lots of questions about secured loan brokers, so we thought it best to address this topic in a concise guide. Read on to fully understand what a secured loan broker is in the UK.  Secured loans – quick recap! Secured loans […]
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Best Secured Loans – Complete Comparison

Scott Nelson

Once you’ve decided that a secured loan is the best credit option for you, naturally the next question is where can you get the best secured loans? This easy-to-read guide will provide an overview of secured loans before answering the most common relevant questions and then discussing the best secured loans.  Before you apply for […]
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Second Charge Mortgage Comparison – Complete Overview

Scott Nelson

How should you go about second charge mortgage comparison? It can be daunting to compare second charge mortgages alone, but we’ve made it easier in this confidence-instilling guide. Learn the fundamentals of how to compare second mortgages here.  What are second charge mortgages? Second charge mortgages are a type of secured loan using your property […]
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Best Second Mortgage Rates in 2022

Scott Nelson

What are the best second mortgage rates and how can you find them? This guide is dedicated to discussing the key details about second charge mortgages and the rates of interest on offer today.  If you’re considering a second charge loan on your home, hopefully this is helpful, but always consider getting professional advice before […]
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Second Charge Mortgage Calculator UK

Scott Nelson

What is a second charge mortgage calculator and do I have to use one? These are just two of many questions we’ll be answering in our complete second charge mortgage guide, with an emphasis on using a loan calculator as part of your search.  You should think carefully before securing another loan against your home […]
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Second Charge Mortgage Providers – Complete Review

Scott Nelson

Where can you find second charge mortgage providers in the UK?  We take a hard look at second charge loans before identifying where you can find them and how to spot scams. You have two main options when searching for these loans in the UK – do you know what they are? What is a […]
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Can You Get a Second Mortgage After Bankruptcy?

Scott Nelson

Can you get a second mortgage after bankruptcy?  This question is frequently asked on the internet by UK residents. Some people ask it from the perspective of getting a second first charge mortgage – i.e. a second mortgage to buy another property – whereas others ask if referring to a second charge mortgage to borrow […]
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