Blog
020 3150 0150 – Who Called? Stop ACT Credit Management Limited Debt
Do you keep receiving calls from 020 3150 0150? This number is used by ACT Credit Management Limited debt collectors. Don’t worry; you’ve come to the right place for advice. Every month, more than 170,000 people visit this site seeking guidance on debt issues. In this article, we’ll explain: Research shows that 64% of people […]
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01698 821468 – Who Called? Stop Darcey Quigley & Co Debt
Did you receive an unexpected call from 01698821468? This number is used by Darcey Quigley & Co, a debt collection agency. Don’t worry, you’ve come to the right place. Every month, more than 170,000 people visit our site seeking advice on debt matters. In this article, we’ll address the following questions: We know how confusing […]
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0330 900 3000 – Who Called? Stop Equivo Limited
Received an unexpected call from 03309003000? This is a number used by Equivo Limited – a debt collection company. Fortunately, you’re in the right place! More than 170,000 people visit our website each month for help with debt and debt collectors. This article will take you through: Reasons why you were called by 0330 900 […]
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PO Box 2196 Debt Letter – Who Is It?
Have you received a debt letter from PO Box 2196? This address is commonly used by PS&P, a debt collection agency. Every month, over 170,000 people visit our website looking for debt solutions and advice, so you’re not alone, and we’re here to help. Believe it or not, nearly half of individuals who deal with […]
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0161 808 1800—Who Called? Stop CRM Debt
Have you received a call from 01618081800? This is the number for Cerberus Receivables Management, a debt collection company. Don’t worry, you’ve come to the right place for advice. Each month, over 170,000 people visit this website seeking guidance on debt issues. In this article, we’ll help you: Unfortunately, nearly half of the people who are […]
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PO Box 107, Caerphilly CF83 3GG — Who Is It?
Have you received a letter from PO Box 107, Caerphilly CF83 3GG? This address is commonly associated with Link Financial, a debt collection company. We know this can be concerning, but you’ve come to the right place for advice. Every month, over 170,000 people visit this site seeking guidance on similar matters. In this guide, […]
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PO Box 175 Lancashire, PR1 1 AF – Who’s Contacting Me?
Are you holding a scary letter from ‘PO Box 175 Lancashire PR1 1AF’? This address is used by NCO Europe, a well-known debt collection company. Many people worry about what to do when they get such a letter. 64% of UK adults feel stressed when dealing with current debt collectors, so you’re not alone. Some of our […]
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Good News for Morses Club Loan Holders
Some Morses Club loans have been written off! Check your email and your junk to see if your balance is now zero. Morses Club entered administration back in November 2023. At that time, approximately 68,000 loans were still outstanding, with nearly a third of them in default. Amidst the turmoil, borrowers awaited clarity on their […]
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PO Box 278 Surrey, RH2 7JP – Who’s Contacting You?
Are you holding a letter from PO Box 278 and feeling unsure about your next steps? You’ve come to the right place. Every month, more than 170,000 people visit this site seeking guidance on debt issues. In this article, we’ll address the following questions: Research shows that 64% of people in the UK find dealing […]
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PO Box 1130 Peterborough, PE1 9NA Debt Letter – Who Is It?
Have you received a letter from PO Box 1130? This address is commonly used by Pride Debt, a debt collection agency. Don’t worry; you’ve come to the right place to learn how to deal with them. Every month, over 170,000 people visit our site for advice on debt issues. In this article, we’ll explain: We […]
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NEW Debt Relief Order Criteria
In the Spring Budget the surprise spotlight was on Debt Relief Orders (DROs), and significant positive changes are on the horizon for those in England and Wales suffering with debt on a low income. The elimination of the £90 fee and other positive changes will make a big impact. Understanding Debt Relief Orders (DROs) DROs […]
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Your Universal Credit is Underpaid
In the UK, a staggering 6.1 million people find themselves caught in a harsh reality that Universal Credit isn’t enough to live on. In fact it falls short by 20%. Imagine being on your own, without a job, and relying on Universal Credit to make ends meet. The stark reality is that you’ll only receive […]
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How to Pay a Penalty Charge Notice: Options, Timelines, and Consequences of Non-Payment
Want to know more about Penalty Charge Notices? You’re not alone. We help more than 130,000 people per month get to the bottom of their PCN concerns. Here is our quick guide on penalty charge notices. We’ll take a look at: What is a Penalty Charge Notice? A Penalty Charge Notice (PCN), as mentioned above, […]
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Understanding Types of Secured Loans: Basics and Key Considerations
Want to take out a secured loan but don’t know where to begin? You’re not alone – we help more than 170,000 people each month better understand debt and their finances. Secured loans can be complicated to understand. In this quick guide, we’ll take a look at: What is a secured loan? A secured loan […]
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Risks and Benefits of Secured Loans: What Borrowers Should Know
Thinking about getting a loan but don’t know where to start? You’re not alone – we help more than 170,000 people per month better understand debt and their finances. There are some risks and benefits to secured loans that you need to be aware of. In this quick guide, we’ll take a look at: What […]
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Comparing Secured and Unsecured Loans: What’s the Difference
Thinking about getting a loan but don’t know where to start? You’re not alone – we help more than 170,000 people per month better understand debt and their finances. There are some differences between secured and unsecured loans. In this quick guide, we’ll take a look at: What is a secured loan? A secured loan […]
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DWP’s costly mistakes
Benefit overpayments have become a financial nightmare for many, thrusting people into unexpected debt. The Department for Work and Pensions (DWP) has made errors amounting to a staggering £600 million between 2022 and 2023, unleashing a devastating effect on claimants who find themselves struggling for cash. These miscalculations are deducted from future payments and benefits, […]
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Are Private Parking Fines Enforceable?
Got a private parking ticket but don’t know what to do? You are in the right place! More than 130,000 people visit our site monthly for information about parking tickets. This quick guide will take you through: What parking tickets are there? When dealing with parking tickets, the first hurdle you have to overcome is […]
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How Bailiffs Operate: Procedures, Powers, and Limitations
Worried about a bailiff visit? You’re not alone. We help over 170,000 get informed about their rights and protections each month. Dealing with a bailiff visit is stressful, especially when you aren’t sure what’s going to happen. Our quick guide will take you through: What is a bailiff? The term ‘bailiff’ is used to describe […]
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Bailiff Regulations for Vulnerable Individuals
Worried about a bailiff visit? You’re not alone. We help over 170,000 get informed about their rights and protections each month. Dealing with bailiffs can be stressful enough, but what do you do if you’re vulnerable? In this quick guide, we’ll take you through: What is a bailiff? The term ‘bailiff’ is used to describe […]
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Your Rights When Dealing With Bailiffs
Worried about a bailiff visit? You’re not alone. We help over 170,000 get informed about their rights and protections each month. Dealing with a bailiff visit is stressful, especially when you aren’t sure of your rights. Our quick guide will take you through: What is a bailiff? The term ‘bailiff’ is used to describe any […]
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Bailiffs vs High Court Enforcement Officers: Understanding the Differences
Did you know that debt collectors and HCEOs are a type of bailiff? If you didn’t, you’re in the right place. Each month we help more than 170,000 people get answers to their debt questions. In this article, we’ll explain: What is a bailiff? The term ‘bailiff’ is used to describe any agent who has […]
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Parking Charge Notice vs Penalty Charge Notice: Know The Difference
Got a parking ticket but don’t know what type? You are in the right place! More than 130,000 people visit our site monthly for information about parking tickets. Here is our quick guide to appealing parking tickets. In this article, we’ll take a look at: What parking tickets are there? When dealing with parking tickets, […]
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How to Appeal a Ticket (With Examples)
Want to appeal your parking ticket but not sure how? You are in the right place! More than 130,000 people visit our site monthly for information about parking tickets. Here is our quick guide to appealing parking tickets. In this article, we’ll take a look at: How do I appeal a parking ticket? Your options […]
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Universal Credit EXTRA Discounts
Living on Universal Credit? It can be really hard to solely depend on Universal Credit, so I’ve done some research to find extra perks and discounts that you might not know you’re entitled to. Here are 12 extras that might help ease your finances: Keep your home cosy without burning a hole in your pocket. […]
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Parking Ticket Scams: How to Identify and Avoid Them
Worried about a potential parking scam? We think you’re in the right place! More than 130,000 people visit our site monthly for information about parking tickets. Here is our quick guide to parking ticket scams. In this article, we’ll take a look at: What is a parking ticket scam? Have you ever wondered how a […]
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The Pros & Cons of Equity Release – is it right for you?
Are you curious about equity release and want to know if it’s right for you? You’re not alone! It can be difficult to understand equity release – it’s tricky and full of jargon! – so, we’ve put together this quick guide to help you understand some of the major advantages and potential pitfalls of equity […]
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Time To Ban Bailiffs?
In Birmingham a jaw-dropping 500% increase in bailiff referrals has set alarm bells ringing. As we all grapple with the cost of living crisis, should councils reconsider their heavy handed bailiff approach to retrieve money? The BBC, made a Freedom of Information request, which uncovered 43,000 bailiff referrals within seven months in Birmingham, that’s nearly […]
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Equity Release and Inheritance Considerations
Are you considering equity release but not sure about how it will affect the inheritance you leave? You’re not alone. More than 7,000 people are visiting our website for guidance on the equity release. This quick guide will take you through: What are my options for equity release? Before we dive into how equity release […]
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What is Equity Release (With Examples)
Looking for more information on equity release in the UK? You’re in the right place. We know that equity release can look complicated, but with our guidance, you can quickly grasp the basics. In this guide, we’ll explain: What are my options for equity release? There are two options for equity release. These are: Lifetime […]
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Tips for Effective Communication with Providers and Debt Collectors
Struggling to pay your bills? The last thing you want is more stress about communicating with creditors to a debt collector. And you are not alone – more than 170,000 people visit our website every month to get answers to their debt questions. In this quick guide, we’ll give you some tips for effective and […]
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Debt Collection Processes & Timeline – What To Expect
If you are facing financial difficulties and worried about being able to pay your bills, knowing how your creditors are likely to deal with you can help make the process feel less stressful. And you’re not alone – more than 170,000 people visit our website every month to get answers to their debt questions. In this […]
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Your Rights with Debt Collectors: A Simple Breakdown
Having a debt collector contact you can be terrifying, and you may feel overwhelmed in this situation. It may feel better to hide away from the letters and phone calls, but the more you ignore a debt collector, the more insistent they will become – until you get a visit at your front door. We […]
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The UK Rental Battle – has it gone too far?
Renting a home used to be a straightforward process, but now it’s a chaotic journey filled with stress and financial disclosures. In cities like London, prospective tenants face challenges like bidding wars, financial transparency demands, and discrimination based on educational status. Wealthier tenants offering a year’s rent upfront are outdoing those with smaller salaries, leaving […]
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Ofgem’s Shocking Decision
This week there’s been a shocking revelation from Ofgem, the energy regulator. They’ve granted permission to major energy companies like EDF, Octopus, and Scottish Power to forcefully install pre-payment meters on customers in debt. The announcement is met with shock and disappointment, especially considering the disturbing events of last year. Last February the Telegraph led […]
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Should I get a will
Introduction In the United Kingdom, discussing wills and estate planning often takes a back seat in our daily conversations. It’s a topic many of us shy away from, perhaps due to its association with mortality. However, having a will is a crucial aspect of financial planning, one that deserves more attention and understanding. In this […]
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Finding the best energy deals
Finding the best energy deals in the UK can significantly reduce your utility bills and help manage your household budget more efficiently. The energy market in the UK is competitive, with numerous suppliers offering a range of tariffs. This comprehensive guide aims to navigate the process of finding and switching to the best energy deal, […]
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What is life insurance?
Life insurance is an essential financial product that provides peace of mind and security for your loved ones in the event of your untimely passing. In the UK, navigating the world of life insurance can be complex due to the variety of options available. This comprehensive article aims to simplify the process by explaining the […]
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How to check your credit report for free
In the UK, checking your credit report is a crucial step in managing your financial health. It allows you to see how creditworthy lenders consider you to be and to verify that your financial records are accurate and up-to-date. Fortunately, accessing your credit report for free is straightforward. This article will guide you through why […]
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How to build an emergency fund
Building an emergency fund is a crucial step in ensuring financial security, especially in uncertain economic times. In the UK, where unexpected expenses can arise at any time, having a safety net can provide peace of mind and financial stability. This article will guide you through the process of building an emergency fund in the […]
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Morses Club in Administration – What does this mean for you?
Are you wondering why Morses Club has gone into administration? You’ve come to the right place! Every month, over 170,000 people visit this site seeking advice on debt solutions. In this article, we’ll address the following questions: Dealing with debt can be quite concerning, and it’s common to feel unsure about seeking help. In fact, […]
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Getting Cheap Car Insurance With Convicted Driver Penalties
Sorting out your car insurance after a conviction can be a headache. With so many different endorsement codes and insurance policies, it can be difficult to know where to start. I have put together this quick article to help make finding insurance for convicted drivers a little bit easier. I will walk you through some […]
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01903919814 – Who Called? Stop Cabot Financial Debt Collection
The number 01903919814 belongs to Cabot Financial Debt Collection. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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01782401191 – Who Called? Stop Advantis Credit
The number 01782401191 belongs to Advantis Credit. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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Voluntary Repayment Lifetime Mortgages: A Comprehensive Guide
Delve into an in-depth analysis of Voluntary Repayment Lifetime Mortgages in the UK. Understand its core features, eligibility criteria, interest dynamics, application process, and weigh its benefits and drawbacks. This comprehensive guide provides clarity for potential borrowers and homeowners considering equity release options.
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Optional Payment Lifetime Mortgage: A Complete Guide
Explore the nuances of an Optional Payment Lifetime Mortgage, a financial product designed for homeowners aged 55 or over. This comprehensive guide delves into its flexibility, key features, and long-term implications, helping you make an informed decision.
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Buy to Let Lifetime Mortgages: How Does It Work?
Explore the workings and implications of a Buy to Let Lifetime Mortgage in the UK. This comprehensive guide delves into its key features, benefits, and concerns. Understand the equity release mechanism, lack of monthly repayments, and compounded interest. Consider its suitability, and interest intricacies. Ensure informed decision-making with a balanced view of its pros and cons.
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What Affects Maximum Percentage Released in Equity Release?
Explore the variables that influence the maximum percentage of equity you can release from your property. Understand how age, property value, and health conditions, among other factors, can affect the equity release amount. Make informed decisions by understanding eligibility and provider terms.
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Can I get Equity Release without Compound Interest?
Explore options for equity release without the burden of compound interest. This guide delves into alternative financial products that offer homeowners the flexibility to unlock property value while minimising long-term costs. Ideal for those looking to preserve more equity for inheritance or other financial plans.
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08000338015 – Who Called? Stop Three Debt Collection
The number 08000338015 belongs to Three Debt Collection. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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Equity Release with a Lasting Power of Attorney? Possible?
Explore the complexities and benefits of equity release and Lasting Power of Attorney in the UK. Our comprehensive guide covers types, eligibility, costs, and long-term implications of these legal and financial arrangements, offering crucial insights for informed decision-making in estate and retirement planning.
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Equity Release for Early Inheritance: What You Need to Know
Are you considering gifting an early inheritance equity release for loved ones so you can enjoy the benefits it brings? In my post, I explain how equity release works and the tax implications you’d encounter, including its impact on Inheritance tax. How does equity release affect inheritance? Releasing equity from your home will affect the […]
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How to Minimise Equity Release Setup Costs: Tips & Tricks
Are you looking to benefit from the wealth tied up in your home but concerned about the set-up costs of equity release? Equity release can be a great financial option for those aged 55 and over, but with no one-size-fits-all approach, it's important to know what to look for, and what fees are involved. In this article, I'll discuss how to minimise the set-up costs of equity release, so you can make the most of your wealth and enjoy a comfortable retirement.
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Early Retirement with Equity Release: Pros and Cons
Retirement is an exciting milestone for many, and while many people wait until they qualify for their state pension to make this transition, some opt to retire earlier. If you are considering an early retirement, you may be considering leveraging equity in your home to make it possible. In this blog post, I will explore the pros and cons of early retirement and equity release, and help you decide if this is the right choice for your retirement plan.
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Can You Get Home Equity Loan Without a Job in the UK?
Are you out of work and need an extra source of cash? Perhaps you have been thinking about getting a home equity loan, but aren't sure if you can do so without a job?
In this blog post, I unpack whether or not you can get a home equity loan without a job in the UK. I will look at the eligibility requirements, the types of equity release options, and other helpful information that you should know before you make your decision.
So, read on to find out everything you need to know about home equity loans and how they may be a suitable option for you without having a job.
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What to Expect at Initial Equity Release Appointment?
Are you considering using equity release to access funds tied up in your home? Unlocking the money tied up in your home can enable you to enjoy a comfortable retirement, make home improvements, pay debts, and help out family members. If you're interested in unlocking the potential of equity release, you'll need to attend an initial equity release appointment. But what should you expect? In this blog post, I'll explore what an initial equity release appointment involves and what you need to know.
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Long-Term Care and Equity Release: A Comprehensive Guide
Long-term care can be a daunting prospect for many of us, especially when it comes to financing it. Luckily, equity release could be the answer to your long-term care funding worries. In this blog post, I will explore what equity release is, how to access it, how much money you can release, and more. So, read on to learn all about the potential benefits of equity release and how it can help you if you require long-term care.
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Can You Get Equity Release Without a Job in the UK?
Do you need a job to take an equity release loan? What impact does having no regular income have on your ability to take an equity release?
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Documents Needed for Equity Release? Your Checklist
Knowing which documents to provide when taking out an equity release loan can be confusing. Here’s a list of the most important documents to gather before applying…
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Can Japanese Knotweed Affect my Equity Release Eligibility?
Japanese Knotweed is an increasingly common issue in the UK and is a consideration for any property that is looking to take out an Equity Release product. In this article, I look at what Japanese Knotweed is, why it is such a big problem and whether it affects your eligibility for equity release.
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Equity Release Company Going Bust: What Happens?
It's essential to know the company you choose to take out an equity release plan is not likely to go into liquidation and what happens if an equity release company goes bust. Let me explain why…
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How to Use Equity Release for a Divorce Settlement
Releasing equity in a home is one solution that can be used in a divorce settlement. It allows you to buy your spouse out using the funds you receive.
Plus, you get to remain in the property. Let me explain further…
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Can I get a Second Mortgage without my Spouse?
It is possible to get a second mortgage without your spouse and it could be a good option for some but not everyone.
Let me explain further….
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Rules for Equity Release During & After Divorce & Separation
The rules on equity release can be confusing, especially during a divorce or separation.
That said, if the right criteria are met, it could be a solution to any financial challenges you might be facing. Let me explain further…
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How to Get a Second Mortgage During or After Divorce & Separation
Sorting financial ties out during or after a divorce or separation can not only be stressful but it can also prove challenging too.
One solution is to get a second mortgage during or after your divorce or separation. Let me explain further…
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How to Get a Home Equity Loan During Divorce & Separation
You can apply for a home equity loan for a variety of reasons which includes during a divorce or separation.
It’s one way of accessing equity in a property that’s been built up over time. If you are divorcing or separating from a partner, it could be an option worth considering if you want to buy them out.
I will explain your options in my post and when a home equity loan may be worth checking out.
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How to get a Home Equity Loan to Buy Out Spouse
Do you have a shared mortgage on a jointly owned house? And are you wondering how to get a home equity loan to buy out your spouse’s share?
I will explain how to go about doing this and whether a home equity loan is your best option. Let me explain further…
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How to Use a Home Equity Loan for Divorce Settlement
Using a home equity loan for a divorce settlement is possible. The loan could provide you with a solution to any financial issues you face during a divorce.
I explain how choosing equity release to buy out a partner during a divorce could let you remain in the family home. Let me explain further…
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How to Avoid Paying Child Maintenance (2024 Loopholes)
Child maintenance avoidance in the UK involves numerous considerations, like legal responsibilities, calculation methods, and non-compliance consequences. Both paying and receiving parents have distinct perspectives. This discussion focuses on managing payments responsibly, tackling non-payment issues, and understanding the intricacies of child maintenance obligations.
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The Cost to Move Out of Your Parent’s Home
Are you living at your parent’s home and thinking about moving out but worried about how much it might cost? You’re not alone, and we’re here to help. Our article will guide you through the costs you should expect when moving out of your parent’s home in 2023. We’ll cover: We understand that the thought […]
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Debt Validation Letter for the UK – Free Template
Are you puzzled by a sudden letter from a debt collector? Unsure if you need to pay? Don’t worry; you’re in the right spot for clear answers. Every month, over 170,000 people look to our website for guidance on their debt issues. In this article, we will help you to: Debt can be confusing and […]
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Clean Break Consent Order Template – Download, Edit, Send
If you and your partner have reached an amicable agreement on the division of assets and other financial obligations, you may not need to use a lawyer to draft a consent order. It may well be possible for you to use a clean break consent order template instead, to reduce costs. Let me explain...
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Free Child Maintenance Calculator for Self Employed in the UK
Being self-employed usually makes everything to do with finance more complicated. But it doesn’t have to be this way when calculating child support. Use the child maintenance calculator below for some clarity...
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Child Maintenance Support Calculator – Divorce & Separation
If you’re going through a separation or a divorce with children, you need to line up your ducks when it comes to child maintenance payments. Find out what’s what with a UK child support calculator.
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How Much Does It Cost to Get a Financial Order in the UK?
How much does it cost to get a financial order in the UK? If you’re planning or already negotiating a divorce settlement, you need to know about divorce financial orders and their cost. Let me walk you through it...
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Do I Need a Solicitor for a Financial Order in the UK?
A Financial Consent Order is important if you’re getting divorced in England or Wales. But do you have to use a solicitor to get one, or can you complete a DIY Consent Order application? Let me walk you through it...
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Am I Entitled to My Husband’s Pension if We Separate? How Much?
Is a wife entitled to their husband’s pension when they divorce? Let me walk you through it...
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The True Cost of a Free Divorce on Universal Credit (UK)
If you receive Universal Credit, the cost of your divorce can be much less than you expect. You might even be able to get divorced in the UK for free. Allow me to explain how…
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Best Cheap Credit Union Debt Consolidation Loans in UK
If you are trying to find the best value debt consolidation loan, a credit union could be your best bet. Credit unions generally offer financial products at a slightly lower interest rate than traditional lenders. However, you may need to join the credit union before you can apply for a debt consolidation loan from them.
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How to Get HELOC on an Investment Property in UK?
If you own an investment property and want to borrow against the equity held in it, there are a few options available to you. One of which is a HELOC. A HELOC is a rolling line of credit, and you only pay interest on the money you actually spend. There are other options, but these generally work out more expensive in the long run.
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Best Cheap Park Home Mortgage Lenders in UK (2024 Rates)
Many people see park homes as an affordable and low-maintenance kind of accommodation. They can be an attractive option for older people, or people who want to live in a secure community. It is possible to get a mortgage to buy a park home, and there are other ways to fund the purchase as well.
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Best Cheap Residential Park Home Finance Companies in the UK
For some people, a park home is an excellent choice of low-cost, low-maintenance accommodation. Even though park homes are generally far less than a traditional home, there are still finance companies that will lend you money to buy one. However, there are different regulations in place to govern the sale and transfer of park homes, that you will need to understand.
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CDER Group Debt – Should You Pay?
Not everyone will need to pay CDER Group debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Black Horse Finance Bad Credit – Is It Possible?
Black Horse may accept your car financing application if you have bad credit. But, your credit score is just one consideration for Black Horse. Let me walk you through the eligibility requirements...
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Pros and Cons Of Bankruptcies
Bankruptcy is a method of insolvency used to reduce debt and stop legal action from being taken against you. But, there are significant downsides associated with going bankrupt. Let me walk you through the pros and cons...
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Hoist Sold to Lowell – What You Should Do Next
If your debt has been sold from Hoist to Lowell, your next steps should entail understanding the potential changes and preparing for any action that Lowell Financial may take. Let's explore what you should do next.
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What is an Example of an Unsecured Loan? Borrowing Explained
An unsecured loan is a financial instrument where the borrower receives a lump sum without any collateral attached to it, ideal for expenses such as home improvements, car purchases, or debt consolidation. Curious to delve deeper into its workings and suitability?
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Arrangement to Pay on Credit File – Why and How to Remove?
An arrangement to pay on your credit file represents a negotiated repayment agreement with a creditor and, unfortunately, cannot be directly removed but can cease to affect you once the debt is repaid. Curious to learn more?
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Enforcement of UK Judgments Abroad – What You Need to Know
Enforcement of UK judgments abroad is achievable, depending on specific treaties and reciprocal agreements between the UK and the relevant foreign country. Dive in for a deeper exploration…
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Council Tax Recovery Process – What You Can Expect
Are you facing the Council Tax Recovery Process due to unpaid or overdue council tax? Read on to find out more and gain insights into handling your council tax debt responsibly.
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Alternatives to IVA – 4 Other Options That Could Be Better
Alternatives to Individual Voluntary Agreements (IVAs) exist and could be a more suitable option for managing your debt. Discover four other solutions in the article below.
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Can You Swap Council House With Rent Arrears – Laws Advice
Curious about whether you can swap your council house if you have rent arrears? Find out the answer to this question and get all the information you need to make an informed decision
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Can I Change from IVA to Debt Management Plan?
You can switch from an IVA to a Debt Management Plan under certain circumstances and considerations. Dive in to learn more.
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Can I Change from IVA to DRO? Your Options Explained
Yes, you can switch from an Individual Voluntary Arrangement (IVA) to a Debt Relief Order (DRO), although it isn't always the optimal solution. Read on to understand why…
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Can I Lose my House over Unsecured Debt?
Yes, you can potentially lose your house over unsecured debt under the UK's 2023 rules if the debt proceedings reach the stage of a charging order. Join us as we unravel these complexities…
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I Have a CCJ but Don’t Know Who From – How To Resolve
Discovering an unknown County Court Judgement (CCJ) against your name can be resolved by checking your credit report and contacting the issuing court. Keep reading to understand the steps in detail…
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What Are My Rights with Bailiffs? What Can They Take?
Your rights with bailiffs encompass certain limitations on what they can take from your property and the conditions for their entry. Read on to become empowered...
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What Happens After A Judgement Is Set Aside? Important Steps
After a judgement is set aside, both the debtor and the creditor return to the positions they were in before the judgement was issued, with further legal proceedings often necessary. Keep reading to grasp the full implications…
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Council Tax Debt Collectors – Do I Have to Pay?
While council tax debt collectors may approach you, you are not obligated to make immediate payments to them. Read on to find out how you can effectively navigate this situation.
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ULEZ PCN Challenge – Should You Pay or Appeal?
Whether to pay or appeal a ULEZ Penalty Charge Notice (PCN) hinges on understanding the specific circumstances and grounds for the penalty. Intrigued? Let's dig into the details.
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PO Box 123 Burton on Trent DE14 2XE – Who’s Contacting Me?
Letters from PO Box 123 Burton on Trent DE14 2XE are actually from Robinson Way Debt Collection, now known as Hoist Finance. But why are they contacting you? Let's find out...
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Is a County Court Claim a CCJ? What’s the Difference?
When a County Court gets in touch about a debt you owe, it can be a bit scary. You might be asking, “Does a County Court Claim mean I have a CCJ?” Don’t worry; you’re in the right place to find the answers. Every month, over 4,600 people visit our website for guidance on court […]
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Will an Arrangement to Pay Affect Mortgage Application?
An Arrangement to Pay can indeed affect your mortgage application by reducing your credit score and potentially impacting the lender's confidence in your ability to repay. Want to understand how?
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The Cheapest Car Insurance with TT99 Banned Driver Conviction?
Securing the cheapest car insurance with a TT99 banned driver conviction requires careful research and comparison among high-risk insurers. Curious to understand more about this?
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The Cheapest Car Insurance with SP30 Conviction?
The cheapest insurance with an SP30 conviction can be obtained by comparing different high-risk insurers and understanding the various factors that influence your premium. Dive in to learn more…
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Do Bailiffs Work Bank Holidays? 2024 Visiting Restrictions
Bailiffs typically do not operate on bank holidays, sparing individuals from enforcement actions during these periods. Dive in to understand more about the visiting restrictions, and how to handle potential interactions with bailiffs.
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If I Declare Bankruptcy: What Happens to my Wife?
Curious about the impact of bankruptcy on your spouse? Don't miss out on understanding this important aspect.
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Council Tax Debt Relief Order – Can It Be Included?
Council tax arrears can be incorporated into a Debt Relief Order (DRO) under certain qualifying conditions. Read on to explore your options...
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I Forgot to Tell Insurance About Points – 2024 Penalties
Failing to inform your insurance provider about any points on your license is an offence under the Road Traffic Act 1988 and could potentially invalidate your insurance. Intrigued?
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How Much Does 6 Points Affect Insurance? 2024 Cost Breakdown
Curious about the financial impact of having six points on your driving licence? Discover how much it could cost you and learn what steps to take if you already have six points or more. Don't miss out on this important information that could save you money on your insurance premiums.
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How Do I Get Debt Written Off Scotland
In this article, we explore the process of debt write-off in Scotland and provide valuable insights to help you navigate the available solutions. Don't miss out on this essential information that can bring you financial relief. Let's get started!
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Debt Validation Letter UK – Free Template (Updated for 2024)
A Debt Validation Letter is a critical tool in the UK to assert your right to validate a debt that has been assigned to you by a collection agency. Keep reading to discover our free, updated template for 2023 and more.
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What Happens To A Charging Order When Someone Dies?
Curious about what happens to a charging order when someone dies? Don't miss out on crucial information—read on to find out more.
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The Cheapest Car Insurance with CU20 Conviction?
Obtaining cheap car insurance with a CU20 conviction is possible, albeit it requires strategic planning and understanding of the insurance market. Curious to know how? Read on...
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Average Credit Score by Age UK
The average credit score varies by age in the UK, reflecting the financial maturity and credit behaviour of different age groups. Let's get into the details...
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Average UK Pension Contribution
The average UK pension contribution amounts to £2,700 per year for a single individual. Keep reading to unravel the intricacies of this figure and how it shapes retirement outcomes.
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Average Monthly Debt Payments UK
In the UK, the average monthly debt payment has been increasing, currently standing at £373 per household as of September 2021. Let's delve deeper into the data...
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Can County Court Bailiffs Break in? Your Rights & The Law
County court bailiffs cannot break in unless they have received a court order. With a court order, they are only allowed to use 'reasonable force' to enter a property. Let me guide you through the process...
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Average Retirement Savings UK
The average retirement savings in the UK currently stands at £61,897. Read on to understand more about this figure and what it means for your financial planning.
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Average Medical Student Debt UK
In the UK, the average medical student accumulates a debt ranging from £50,000 to £90,000 due to the high costs and lengthy duration of their studies. Join us as we delve deeper into these figures, their implications, and what it means for the future of these students.
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Dukes Bailiffs Council Tax Debt – Do I Have to Pay?
If Dukes Bailiffs are chasing you for council tax debt, you should act within 7 days of receiving a Notice of Enforcement. If you ignore Dukes Bailiffs, they could end up seizing your goods. Let me talk you through it…
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How Much Credit Card Debt Is Too Much?
The amount of credit card debt that is too much varies from person to person, but a key indicator is when meeting minimum monthly payments becomes a struggle. Curious about how to manage such a situation? Keep reading.
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Average Credit Card Debt by Age UK
In the UK, the average credit card debt per person varies by age, but sits overall at £5,400. Keep reading to understand the implications of these debts across generations.
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Can Debt Collectors Come to Your House in Scotland?
Debt collectors can come to your house in Scotland. But, you should first receive a letter notifying you of their intention to visit. Let me walk you through the process...
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Debt Collection Industry Statistics
Debt collection industry in the UK has been steadily growing, with 791 agencies handling a staggering £1.698.4 billion of debt at the beginning of 2021. Ready to dig into the numbers? Let's go...
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Debt Consolidation Statistics
Debt consolidation, which entails combining multiple loans into one, can be an effective solution for those struggling with multiple repayments, with the average interest rate for such loans standing at 22.59%. Let's explore how this could potentially streamline your financial situation.
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Buy Now Pay Later Statistics
The rapid rise of Buy Now Pay Later (BNPL) has fundamentally changed the way consumers shop, becoming the fastest-growing payment method in the UK. Intrigued? Read on...
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Average Personal Loan Interest Rate by Credit Score
The average personal loan interest rate in the UK directly corresponds to one's credit score, with lower scores generally attracting higher rates. Dive in to discover more...
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Average Mortgage Rate London
The average mortgage rate in London, as of September 2022, is 2.34%, with variable rates at 2.59% and fixed rates at 2.32%. Curious about the implications? Let's delve in.
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Average Car Debt in the UK
The average car debt in the UK has seen a marked increase over the years, with current consumers paying between £300 and £400 per month on car finance. Let's dive deeper...
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High Court Enforcement Officer Powers – Know Your Rights!
With a High Court Writ, a High Court Enforcement Officer has the power to enter the residential or commercial property of the debtor. They can also request payment, agree to a repayment plan, or seize goods. Let me walk you through the process...
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County Court Judgement for Rent Arrears
Have you fallen behind on your rent and are concerned about the possibility of a County Court Judgement (CCJ) for rent arrears? It's important to understand the process and implications involved.
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Average Debt to Income Ratio UK
The average debt-to-income ratio for households in the UK was 133.9% in the second quarter of 2022, indicating that a typical adult holds more debt than their annual income. Want to understand why?
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Average Mortgage Length UK
The average length of a mortgage in the UK has reached a record 30 years, reflecting a shift in financial planning for property owners. Interested in the implications? Read on...
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Average Student Debt UK
The average student debt in the UK is currently pegged at £23,000, a daunting amount for anyone embarking on their academic journey. Dive in to explore this issue and understand its implications.
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What Happens if You Don’t Pay a CCJ after 6 Years?
Have you ever wondered what happens if a CCJ is not paid after 6 years? Discover the actions creditors can take, the impact on your credit report, and how to navigate this situation effectively.
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N244 Form for CCJ – Where to Send and What to Do?
Do you need an N244 form for CCJ and don’t know where to start? Don't worry, we've got you covered.
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Received a County Court Bailiff Letter? What You Need To Know
Receiving a county court bailiff letter means that you have failed to comply with the court's debt repayment order. The letter means that bailiffs can now be sent to your home to collect the debt. Let me walk you through your options...
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Can a Court Bailiff Arrest You? Know Your Rights
A county court bailiff can arrest you for an official debt, such as criminal fines or maintenance payments. However, this is usually a last resort. Let me explain the process...
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County Court Bailiff Eviction Notice – Know Your Rights!
Before evicting you, your landlord must apply to the local court for a warrant for possession. Following, you should receive an official notice of eviction from the court. This notice will give you a date by which you need to leave the property. If you don't leave by this date, county court bailiffs can legally evict you. Let me walk you through your options...
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About Centralised Attachment of Earnings Payment System (CAPS)
The Centralised Attachment of Earnings Payment System allows for debt to be repaid through wages. Only debts that relate to unpaid maintenance and those covered by a County Court Judgement can be collected this way. Let me explain the process in more detail...
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Joint Council Tax Debt – Who Is Responsible & Your Options
In situations where there is a joint council tax debt, both parties named on the council tax bill are equally responsible for the entire debt. Keep reading to find out more...
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Living in Your Overdraft? Cost Saving Tips & How to Get Out
Living in your overdraft can be a challenge, but there are effective cost-saving measures and strategies to help break free from the cycle of debt. Ready to change your financial trajectory?
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County Court Bailiff vs High Enforcement Officer (Compared)
A County Court Bailiff enforces small financial claims below £600 and bank repossessions. A High Court Enforcement Officer enforces High Court judgements. Let me explain in more detail...
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Can You Walk Away From a Civil Enforcement Officer?
Yes, you can walk away from a Civil Enforcement Officer under certain circumstances outlined by UK law. Curious? Keep reading.
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Charging Order Interest Rate – Everything You Need to Know
The interest rate for a charging order, a court-issued instrument for repaying debt, continues to accrue until the debt is fully repaid, regardless of how long it takes. Read on to learn more about charging orders and how they could affect you.
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Lying About Who Was Driving When Speeding – Maximum Penalty
It's likely that you will have to go to court if you dispute who was driving the car when it was caught speeding. If you are lying, it's very likely that the judge will gather the necessary evidence prove your guilt. You may then face the maximum penalty. Let me explain the process...
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How To Check My Court Fine Balance in The UK? Links & Guide
To check your court fine balance in the UK, you need to contact the court that issued the fine. Let me walk you through the process...
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County Court Judgement Process – What to Expect & What to Do
A County Court Judgement can be issued to make you repay a debt. However, claimants must follow a strict process to issue a CCJ against a debtor. Let me walk you through it...
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Can HMRC Debt Be Included in an IVA? Answer (2024 Rules)
Indeed, debts owed to HMRC can be included in an Individual Voluntary Agreement (IVA) as per the 2023 rules. Interested to learn more?
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Credit Limits International Debt Collection – Should I Pay?
Not everyone will need to pay Credit Limits International Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Debt Relief Order Register – Are Your Debt Details Public?
Yes, your Debt Relief Order (DRO) details become public and are recorded in the Electronic Individual Insolvency Register, accessible by anyone. Curious about the implications?
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Can You Go to Jail for Unpaid Library Fines? Maximum Penalty
No, you cannot go to jail for unpaid library fines in the UK. But, there's more to this story...
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Council Tax Court Summons Letter – Can You Ignore It?
Ignoring a Council Tax court summons letter isn't advisable as it can lead to serious legal consequences. Dive in to discover why, and how to navigate such a situation.
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Sheriff Court Decree in Scotland – What You Need To Know
A Decree is the Scottish equivalent of a CCJ. It is a formal order from the court stating that you need to repay a debt. Let me explain...
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How to Pay a CCJ with No Paperwork? Step-by-Step Guide
Paying a CCJ with no paperwork can be achieved through options such as bank transfers or cheque payments, requiring only minimal details from your side. Read on for a step-by-step guide.
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Aqua Debt Collection – Do You Really Have to Pay?
Not everyone will need to pay Aqua Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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52M PCN – Failing to Comply with a Prohibition – Can I Appeal?
You can appeal a 52M PCN. But, you need appropriate grounds for appealing and solid evidence for it to be successful. If you don't, it is more beneficial to pay the fine as soon as possible. Let me explain...
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Council Tax Enforcement Letter – What to Do Now It’s Serious
When faced with a Council Tax Enforcement Letter, there are steps you can take to manage this serious situation. Continue reading to find out more…
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CCJ Payment Plans – Can You Pay in Instalments?
Yes, you can pay a County Court Judgement (CCJ) in instalments, subject to the court's decision and negotiation with the creditor. Let's delve into the details...
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Discharged Bankrupt Travel Overseas – Is It Possible?
Yes, both undischarged and discharged bankrupts can travel overseas, but specific rules and restrictions apply depending on your location within the United Kingdom. Stay with me to navigate these complexities…
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How Much Can Universal Credit Deduct for Council Tax Arrears?
Universal Credit can deduct up to 5% of your total entitlement to cover council tax arrears. Dive in to find out more...
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Minimum Asset Process (MAP) – Scotland Bankruptcy Warnings
The Minimum Asset Process (MAP), a specific form of bankruptcy in Scotland, offers debt solutions for individuals with few tangible assets and low income. Scroll down to understand its workings and potential implications for you.
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Statutory Demand – What to Do When a Warning Becomes Serious
When you receive a Statutory Demand, you need to act within 21 days to avoid bankruptcy. You have a number of options, including, but not limited to, clearing the debt, setting up an IVA, or paying the debt in installments. Let me explain in more detail...
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Court Fine Enforcement Team – Can You Go To Jail?
If you don't pay your court fine, your case will be transferred to the Fine Collection and Enforcement Team. You will then receive notification from a debt collection officer. You should respond as soon as possible to avoid further legal action. Let me walk you through the process...
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Can’t Pay Court Fines? 3 Things That You Can Do in 2024
If you can't pay your court fines, you can ask for a reduction, look for alternative payment options, or request an extension. Let me walk you through your options...
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Interim Charging Order Not Yet Made Final – There’s Hope!
An Interim Charging Order can be stopped from becoming final if you object within the specified 28-day period and present a compelling case. Read on for guidance on how to navigate this process...
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Appealing Final Charging Order – How To Challenge and Win?
Successfully appealing a Final Charging Order requires understanding how to present compelling evidence and arguments that challenge its issuance. Delve into this piece to uncover your strategy…
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Is Non-Payment of Council Tax a Civil or Criminal Offence?
Non-payment of council tax in the UK is deemed a civil offence, rather than a criminal one. Read on to understand the nuances...
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N55 Form for Attachment of Earnings – What You Need to Know
The N55 form for Attachment of Earnings is a legal notice you receive when a creditor applies to deduct your owed debt directly from your salary. Dive in to learn more about handling this form and your available options.
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How do I Speak to Someone at ParkingEye?
You can speak to someone at ParkingEye over the phone, via email, or using their online chat.
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Unpaid Court Fines Arrest Warrant – What You Can Expect
A financial arrest warrant will be issued if the court believes that you are choosing to not pay a fine even though you have the means. However, this is a last resort. Let me explain the process...
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What Are the Rights of a Second Charge Holder?
A second charge holder, typically a lender providing a secured loan on a property that already has an outstanding mortgage, possesses the right to force a property sale in case of loan default. Intrigued? Read on.
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Council Tax Arrears and Breathing Space Rules (Updated 2024)
Council tax arrears can be managed more effectively using the Debt Respite Scheme or "Breathing Space" rules, which grant a temporary halt to debt collection and additional charges. Dive in to find out more...
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Breathing Space Scheme in 2024 – Quick Guide with Tips
Breathing Space Schemes, available in England, Wales, and Scotland, offer a reprieve to debtors by preventing creditors from pursuing further action, allowing individuals to strategize and potentially overcome their debts. Dive in to find out more...
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Penalty for Not Paying Council Tax – Best And Worst Case
The penalty for not paying council tax can range from fines to even imprisonment in extreme cases. Continue reading to grasp a clearer understanding...
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How Long Can a Gas Company Leave You without Gas?
Once your gas has been disconnected, a gas company can leave you without gas until you repay your debt. Once you've paid your debt, the gas company should reconnect your gas within one day. Let me walk you through the process...
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H Collect Debt – Must You Pay?
Not everyone will need to pay H Collect debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Utility Warehouse Debt Collectors – Do I Have to Pay?
Not everyone will need to pay Utility Warehouse Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Sterling Debt Recovery – Do I Have to Pay?
Not everyone will need to pay Sterling Debt Recovery. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Missed Payment on Car Insurance – Are You Breaking the Law?
If you miss multiple payments, your car insurance could be cancelled. If you drive after your insurance is cancelled, you are breaking the law. Let me explain...
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Will I be Punished for Not Telling Insurance About Ban?
Failing to inform your insurance provider about a driving ban can indeed lead to severe consequences, including invalidation of your insurance. Keep reading to understand why honesty is the best policy…
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How Does a Revoked Licence Affect Insurance?
Having a revoked licence can potentially increase your vehicle insurance costs when you get it back, due to the perceived higher risk by insurance companies. Keep reading to delve into the nuances and understand how you can navigate this challenge.
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Do You Have to Tell Insurance About Points Straight Away?
Under The Road Traffic Act 1998, you are legally required to inform your car insurance provider about any penalty points on your licence, usually at the time of renewal. Dive in to find out more...
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The Cheapest Car Insurance For High Risk Drivers
Securing the cheapest car insurance for high-risk drivers is possible through diligent comparison, understanding the impact of your specific convictions, and making strategic decisions about coverage and usage. Discover how in this post...
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Student Loan Debt Collectors – Do I Have to Pay?
Not everyone will need to pay Student Loan Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Searchlight Collections Debt – Should I Pay?
Not everyone will need to pay Searchlight Collections. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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DWF Solicitors Debt Recovery – Do I Have to Pay?
Not everyone will need to pay DWF Solicitors Debt Recovery. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Scotland Statute Barred Debt Rules (with Letter Template)
Scotland statute barred debt rules could allow you to write off old, uncollected debts due to a specific legal timeframe. Interested to learn more about your options?
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When Do Debt Collectors Give Up? (UK 2024 Laws)
A debt collector can continue to chase a debt until it is written off. In the UK, debt is usually written off after 6 years. But, if you ignore debt collectors, legal action could be taken against you. Let me walk you through your options...
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Paymyticket – Pay or Appeal?
A Paymyticket parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parkingchargepayment – How to Pay
Parking Charge Payment is a public-facing website used by GroupNexus to collect Parking Charge Notices (PCNs). You can pay online with your reference number and car registration. Let me walk you through the process...
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Stevensdrake Solicitors Debt Letter – Ignore or Pay?
Not everyone will need to pay after receiving a Stevensdrake Solicitors debt letter. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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What is the UK Credit Score Range? 2024 Updates
In the UK, your credit score will be measured on a scale of 0 to 999 on Experian, or 0 to 1000 on Equifax. Anything above 881 on Experian is considered to be a good score, whereas anything above 420 on Equifax is considered to be a good score. Let me explain in more detail...
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Brachers Solicitors Debt Letter – Should I Ignore or Pay?
Not everyone will need to pay after receiving a Brachers Solicitors debt letter. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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The Cheapest Car Insurance with DG10 Conviction?
A DG10 conviction can make cheap car insurance hard to find. But, there are ways to lower costs. You could opt for usage-based insurance, telematics, use comparison websites or even a specialist insurance broker. Let me explain…
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Cheapest Car Insurance for Disqualified Drivers?
The cheapest car insurance for disqualified drivers in the UK varies based on personal factors, but could potentially be found through high-risk or convicted driver insurance policies. Keep reading to understand more about how a driving ban can impact your insurance and explore strategies to find affordable coverage.
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The Cheapest Car Insurance For Cancelled Policies?
Having a cancelled policy on your record will make cheap insurance hard to find. But, there are some ways to lower costs. For example, you could opt for usage-based insurance or use comparison websites. Let me walk you through your options...
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How Much Does 3 Points Affect Insurance? 2024 Cost Breakdown
Three penalty points on your UK driving licence typically increase insurance premiums by roughly 5-10%. Let's delve into the details...
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Cheapest Car Insurance After A Drug Driving Ban?
Obtaining affordable car insurance after a drug driving ban is achievable by exploring various brokers and comparing their offerings meticulously. Ready to uncover more?
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The Cheapest Car Insurance with SP40 Conviction?
An SP40 conviction can make cheap car insurance hard to find. But, there are ways to lower costs. You could opt for usage-based insurance, telematics, use comparison websites or even a specialist insurance broker. Let me explain…
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The Cheapest Car Insurance with Points – 2024 Ranking
The cheapest car insurance with points on your licence can be found by seeking out specialist insurers and employing specific strategies discussed herein. Dive in to discover more...
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How Long Do You Have to Declare Points For Insurance?
In the UK, you are legally required to declare any points on your licence to insurance companies for a period of five years. Ready to understand more?
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Do Penalty Points Affect Your Car Insurance Premium?
Yes, penalty points do indeed impact your car insurance premium, often leading to a higher cost. Discover more in the paragraphs ahead.
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How You Can Get a HELOC with Bad Credit
Obtaining a Home Equity Line of Credit (HELOC) is achievable even with bad credit, especially when strong compensating factors are present. Read on to understand how…
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Can my Licence be Suspended for Parking Tickets?
Your driving licence cannot be suspended for parking tickets. But, you should pay or appeal the ticket within 28 days to avoid further enforcement action being taken. Let me explain...
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How Much Do 9 Points Affect Insurance? 2024 Cost Breakdown
Nine penalty points on your driving licence can significantly increase your car insurance premiums, sometimes as much as doubling the cost. Curious to find out more? Read on...
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The Cheapest Car Insurance with CD30 Conviction
A CD30 conviction can make cheap car insurance hard to find. But, there are ways to lower costs. You could opt for usage-based insurance, telematics, use comparison websites or even a specialist insurance broker. Let me explain…
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Cheapest Car Insurance for Convicted Drivers – Best for 2024
A conviction can make cheap car insurance hard to find. But, there are ways to lower costs. You could opt for usage-based insurance, telematics, use comparison websites or even a specialist insurance broker. Let me explain…
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The Cheapest Car Insurance with CD20 Conviction
A CD20 conviction can make cheap car insurance hard to find. But, there are ways to lower costs. You could opt for usage-based insurance, telematics, use comparison websites or even a specialist insurance broker. Let me explain…
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The Cheapest Car Insurance with a CD10 Conviction
A CD10 conviction can make cheap car insurance hard to find. But, there are ways to lower costs. You could opt for usage-based insurance, telematics, use comparison websites or even a specialist insurance broker. Let me explain…
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The Cheapest Car Insurance with DR10 Conviction
A DR10 conviction can make cheap car insurance hard to find. But, there are ways to lower costs. You could opt for usage-based insurance, telematics, use comparison websites or even a specialist insurance broker. Let me explain…
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The Cheapest Car Insurance with IN10 Conviction?
An IN10 conviction can make cheap car insurance hard to find. But, there are ways to lower costs. You could opt for usage-based insurance, telematics, use comparison websites or even a specialist insurance broker. Let me explain…
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Which Car Insurance Companies Do Not Ask About Criminal Convictions?
All car insurance companies will ask you to declare any criminal convictions. But, you only need to declare unspent convictions. Let me explain...
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Cheapest Learner Driver Insurance with Convictions?
A conviction can make car insurance for learners hard to find. But, you do have some options. For example, you could become a named driver on someone else's car. Let me explain…
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LCS Civil Enforcement Debt Collection – Do I Have to Pay?
Not everyone will need to pay LCS Civil Enforcement Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Do Traffic Tickets Go On Your Criminal Record?
A driving offence will not go on your criminal record unless you receive a conviction in a court of law. Speeding tickets, driving bans, and parking tickets do not count as criminal convictions. Let me explain in more detail...
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How to Spot a Fake County Court Business Centre Claim Form Letter
There are a few ways to spot fake County Court Business Centre Claim form. For example, if the letter asks you to make a payment immediately, it is likely fake. You can also check your credit history to see if a CCJ has been issued against you. Let me explain...
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Do I Have to Declare Spent Convictions to Insurance Companies?
All car insurance companies will ask you to declare any criminal convictions. But, you only need to declare unspent convictions. Let me explain...
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The Cheapest Car Insurance For Drink Drivers –
A drink driving conviction can make affordable car insurance hard to find. But, there are ways to lower costs. For example, you could seek a car that has a low insurance rating. Let me explain...
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Minimal Assets Process – How Does It Work?
The Minimal Assets Process (MAP) provides a bankruptcy route for those with low income and minimal assets in Scotland. Dive in to learn more about how it works...
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Can I get Car Insurance with Unspent Convictions?
Any unspent convictions will increase the price of your car insurance and limit your options. Let me explain...
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How Much is Car Insurance After Drink Driving Ban?
A drink driving ban can make affordable car insurance hard to find. But, there are ways to lower costs. For example, you could seek a car that has a low insurance rating. Let me explain...
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What is the Equifax Credit Score Range in the UK? 2024 Updates
Equifax operates credit scoring on a scale of 0 to 1,000, but anything above 420 is considered good. Let me explain the scale in more detail...
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How You can get a HELOC For Debt Consolidation
A HELOC, or Home Equity Line of Credit, can be used effectively to consolidate debt, leveraging the value of your property without having to sell it. Intrigued? Let's delve deeper
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Debit Finance Collections Plc (DFC) – Should You Pay?
Not everyone will need to pay Debit Finance Collections Plc. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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The Cheapest Car Insurance with DR30 Conviction?
Finding the cheapest car insurance with a DR30 conviction in 2023 is possible by comparing multiple providers and considering cars with smaller engines. Keep reading for more insightful tips and guidance...
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Network Credit Services Debt – Should You Pay?
Not everyone will need to pay Network Credit Services debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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What are the HELOC Rates in the UK?
HELOC rates in the UK as of 2022 range approximately between 2% and 10%, influenced by factors such as the amount of equity in a property and the creditworthiness of the customer. Let's delve deeper...
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Fixed Penalty Notice Driving Without Insurance – What happens?
Driving without insurance is a strict liability offence. This means that, unless there are extenuating circumstances, you will need to pay a Fixed Penalty Notice for driving without insurance. Let me explain...
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Coltman Warner Cranston Debt – Should You Pay Them?
Not everyone will need to pay Coltman Warner Cranston debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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UK HELOC Lenders and Banks
The comprehensive list of UK HELOC lenders and banks updated for 2022 provides key insights into home equity lines of credit in the United Kingdom. Venture in to discover your best options.
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Phoenix Commercial – Should You Pay Them?
Not everyone will need to pay Phoenix Commercial. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Debit Finance – Should You Pay?
Not everyone will need to pay Debit Finance. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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How is Weekly Income Calculated for Speeding Fines?
Speeding fines are calculated as a percentage of weekly income. Speeding offences are most commonly categorised into band A, B, or C. In these cases, the motorist could be fined between 25% and 75% of their weekly salary. However, in severe cases, a motorist could be fined up to 700%. Let me explain...
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Time Limit On Speeding Ticket – How Long To Pay
You must receive a Notice of Intended Prosecution (NIP) in the post within 14 days of the alleged offence. After accepting an NIP, you will be sent a Fixed Penalty Notice. You then have 28 days to pay the associated fine. Let me explain in more detail...
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Appeal Double Parking Ticket UK – Step by Step Guide
To challenge a double parking ticket in the UK, you need to file an appeal within 28 days of the ticket issue date. You also need appropriate grounds for appeal and good evidence. Let me walk you through the process...
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Scott Mears Debt – Should You Pay Them?
Not everyone will need to pay Scott Mears debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Can I Move with Council Tax Arrears? Quick Guide
You can move house with council tax arrears. But, if prospective estate agents or landlords are aware of your debt, finding a new place could be difficult. Let me walk you through your options...
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UKCPS Parking Charge Notice – Do I Pay or Appeal?
A UKCPS parking charge notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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How to Check Penalty Charge Notice – How to View a Fine
To check the details of a Penalty Charge Notice you can login to the online portal of the local council or transport authority that issued the fine. Let me walk you through the process...
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Does a Penalty Charge Affect Car Insurance?
You don't have to inform your insurance provider of a Penalty Charge. So, a Penalty Charge will not increase your premium. However, a Fixed Penalty Notice may affect your car insurance. Let me explain...
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Bus Lane PCN Appeal Letter Template – Free Sample
You can challenge a Bus Lane PCN by writing a letter of appeal. In the letter you should include the reason for appeal, and any evidence you have. Let me walk you through the process...
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Pay or Appeal? Vars Parking Charge Notice Contact Number
A Vars parking charge notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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HX PCN – Should I Pay or Appeal?
A HX parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Pay Parking Ticket – Guide and FAQs
Parking tickets in the UK can be paid through various methods, including online, by cheque, or via an automated payment hotline. Let's delve into the details…
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How Much Does The Average Person Spend On Food Per Week UK
In the UK, the average person spends £44 on food per week. But, this can vary significantly depending on income and family size. Let me explain...
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PCN 5 Minute Observation Rule – Know Your Rights!
The 5 minute observation window is for evaluating whether you are, or are not, commiting an offence that warrants a PCN being issued. However, it isn't a hard-and-fast rule and it can't be used as grounds for appealing a PCN. Let me explain...
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Parking Charge Notice Northern Ireland – Pay or Appeal?
You can informally appeal a Parking Charge Notice in Northern Ireland on the operator's website. Parking Charge Notices are given by private businesses, rather than local councils. This means that your appeal has a good chance of being successful. Let me walk you through the process...
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PCN Issued After 28 Days – Should I Pay or Appeal?
If your PCN was issued after 28 days, you might be able to appeal. However, there are some exceptions. For example, if the DVLA were delayed in communicating your address to the local authority, the 28 day window can be extended. Let me explain...
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Congestion Charge Appeal Letter Template – Free Sample
You can challenge a Congestion Charge by writing a letter of appeal. In the letter you should include the reason for appeal, and any evidence you have. Let me walk you through the process...
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Clear Air Zone Charges – Do I Have to Pay?
You can challenge a Clean Air Zone Penalty Charge if you can prove that you didn't commit the offence or you received the PCN later than 28 days after the offence. Otherwise, Clean Air Zone Penalty Charge appeals have a low success rate. Instead, it is recommended that you pay the fine as soon as possible. Let me explain...
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Northern Rail Fixed Penalty Notice – Pay or Appeal?
You can appeal a Northern Rail Fixed Penalty Notice in writing or through the operator’s website. But, for it to be successful, you need appropriate grounds for appealing. Let me walk you through your options…
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Low Emission Zone Penalty Charge Challenge – Can You Win?
You can challenge a Low Emission Zone Penalty Charge if you can prove that you didn't commit the offence. Otherwise, Low Emission Zone Penalty Charge appeals have a low success rate. Instead, it is recommended that you pay the fine as soon as possible. Let me explain...
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Box Junction Penalty Charge Appeal – Can You Win?
You can challenge a Box Junction Penalty Notice. However, you need strong evidence to do so. If you ignore a Box Junction Penalty Notice, legal action could be taken. Let me explain the process...
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Notice to the Keeper – Everything You Need to Know
A Notice to Keeper is parking charge from a private parking firm. There is no formal appeals process for this type of notice, but you can challenge it by contacting the operator directly. Let me explain...
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How to appeal a Fixed Penalty Notice – Step by Step Guide
There is no formal appeals process for Fixed Penalty Notices (FPNs). If you believe an FPN was issued incorrectly and want to challenge it, you will need to take the matter to court. Let me explain the process...
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Car Leasing With IVA – Is It Possible?
Yes, it is possible to lease a car while under an Individual Voluntary Agreement (IVA), although it heavily depends on numerous factors. Stick around to delve into the details…
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Fixed Penalty Notice for Unauthorised Absence from School – Laws
You can be issued a Fixed Penalty Notice if your child has a number of unauthorised absences from school. If you don't pay the fine, you could be taken to court and legal action could be taken. Let me walk you through your options...
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Notice to the Driver – Everything You Need to Know
A Notice to Driver is a parking charge invoice that has been attached to your vehicle by a private parking attendant. There is no formal appeals process for this type of notice, but you can challenge it by contacting the operator directly. Let me explain...
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How Much is a Speeding Fine for Doing 40 in a 30? – Worst Case
Driving at 40mph in a 30mph zone is considered a Band A offence. The fine for a Band A offence is 50% of your weekly income and three penalty points. Let me walk you through the details...
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Mortgage with IVA – Is It Possible?
Yes, obtaining a mortgage with an IVA is indeed possible, although it depends largely on your individual financial circumstances. Stay with me to navigate this intricate path...
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Fixed Penalty Notice Contact Details – How To Get In Touch
To make an enquiry regarding a Fixed Penalty Notice, you should look to your local council or police department's websites for contact details. Let me walk you through the process...
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Can Equity Release Be Transferred? Quick Guide
Equity release schemes can indeed be transferred, with certain conditions and considerations that need to be factored in. Join us as we delve deeper...
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Equity Release for Over 50s – In-depth Guide
Equity release for individuals over 50 provides a mechanism to unlock the value tied up in their home without needing to sell it. Intrigued? Let's dive in.
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FPN Payment – Pay or Appeal?!
You can challenge a Fixed Penalty Notice (FPN) by taking the matter to court. However, if you ignore the FPN, the fine will increase by 50% and legal action could be taken. Let me explain...
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Gifting Equity in Property – UK Rules, Warnings & Loopholes
Gifting equity in a property is a viable loophole for individuals under 55 to navigate the age restrictions of equity release in the UK. Let's dig deeper...
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Can You Release Equity on a Buy-to-Let Mortgage?
Yes, you can release equity on a buy-to-let mortgage under certain circumstances. Dive in to find out more…
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SP30 Speeding Fine – Everything You Need to Know
An SP30 speeding fine is the most common speeding fine. It is given to anyone who commits a speeding violation on a speed-limited public road that is not a motorway. Let me explain in more detail...
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Equity Release or Bank Loan? Which Is Best?
Choosing between equity release and a bank loan largely depends on your unique financial situation, age, and long-term plans. Read on to gain insight into these two options and their implications.
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Equity Release Second Charge – Guide and Hidden Costs in 2024
Yes, equity release second charge is possible, but only under certain conditions and it carries unique implications for homeowners. Dive in to learn more...
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Equity Release Drawdown Calculator – Plan Your Future
An Equity Release Drawdown Calculator helps you estimate the repayment amounts when taking out a drawdown lifetime mortgage. Dive in to find out more…
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Equity Release Calculator – No Personal Details Required
To calculate an equity release plan, you need to know your loan amount, the interest rate, and have an estimate of how long the plan will be active. No other personal details are required. Let me illustrate...
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Interest Only Lifetime Mortgage Calculator
An Interest-Only Lifetime Mortgage Calculator is a tool that provides insights into how much your lifetime mortgage loan might grow over time, and how making monthly interest repayments can manage the growth rate of your debt. Dive in to understand more...
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Moorcroft Debt Recovery HMRC – Pay or Appeal?
Not everyone will need to pay Moorcroft Debt Recovery. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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DCBL Final Reminder Letter? Worst Case Scenario
You should not ignore a DCBL final reminder letter. If you do, you could face legal action. Let me walk you through your options...
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How Far Back Can DWP Claim Overpayments?
The DWP can only claim overpayments from the last 6 years. But, there are some exceptions. Let me explain...
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Lowell Telecom on Credit Report – Who Are They?
Lowell Telecom is a debt collection agency that commonly purchases debt. If Lowell is on your credit report, it is likely that the company purchased a debt that you own. Let me explain in more detail...
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Selling Home to Pay for Care – Can You Avoid It?
Selling your home to pay for care is indeed a common practice, but it's not the only way to handle care costs and can potentially be avoided. Let's delve into the complexities of this crucial issue.
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Will a Consolidation Loan Be Secured Against Your Property?
A consolidation loan may be secured against your property, but it's not always the case; both secured and unsecured options are available. Let me explain...
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How to Finance a House Extension?
There are a number of different ways to finance a house extension. For example, you could remortgage, use a home improvement loan, or even take out a credit card. Let me walk you through your options...
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Debt Consolidation or Bankruptcy – Which Is Better?
Choosing between debt consolidation and bankruptcy primarily depends on your personal financial situation, each having its own benefits and drawbacks. Dive in to understand these methods more deeply and make the best choice for your financial future.
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How to Choose a Debt Consolidation Company
There are a lot of things to consider before committing to a debt consolidation broker or loan provider. It is important that they are fully regulated, 100% transparent , and have positive reviews. Let me explain…
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How to Reject a Notice of Intended Prosecution
You cannot reject a Notice of Intended Prosecution (NIP). But, you can challenge an NIP within 28 days of receiving it by writing a letter of appeal. Let me explain...
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IAS Appeal – Who Are They & How Can They Help?
The Independent Appeals Service (IAS) is a certified dispute entity that motorists can use to appeal a private parking ticket. Let me walk you through the process...
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What Does Discharged Mean on a CCJ?
If your CCJ is discharged, you are no longer subject to the CCJ. To get your CCJ discharged you need to repay your debt in full within one month of receiving it. Let me explain...
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Warrant of Control – How Bad Can It Get?
A Warrant of Control allows bailiffs to enter your property and seize goods to repay your debt. However, if you act quickly, you can prevent this from happening. Let me walk you through your options...
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Interest Only Lifetime Mortgage Rates – 2024 Updates
The latest interest-only lifetime mortgage rates for 2022 range between 3% and 8%, influenced by factors like your loan amount and the specific lender. Discover more in the article below...
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Equity Release Providers Northern Ireland
Equity release providers in Northern Ireland offer schemes like lifetime mortgages and home reversion plans for seniors over 55 looking to release some of their home's value. Read on for an updated 2022 guide...
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Switching Equity Release Providers – Cheapest Options in 2024
Switching equity release providers is indeed possible, offering homeowners potential benefits such as securing a lower interest rate or gaining additional assurances. Stay with me, let's delve into it.
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Equity Release after Divorce or Separation – Guide with Warnings
Equity release after separation is possible, offering solutions to some of the financial challenges of separation. Read on to understand more about the implications and potential benefits.
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What Banks Do Lifetime Mortgages? Complete UK List
Lifetime mortgages are primarily offered by equity release companies, with high-street banks like Santander, NatWest, The Co-operative Bank, and Lloyds Bank connecting customers to providers like Legal & General and Scottish Widows Bank. Interested in learning more? Let's delve deeper…
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Alternative to Lifetime Mortgage – What are my options?
Alternatives to lifetime mortgages exist, including home reversion schemes, home equity loans, and downsizing your property. Let's delve in…
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Further Advance on Mortgage – How to Increase Your Loan
A further advance is the process of borrowing more from your current mortgage provider. Unlike the process of remortgaging, getting a further advance doesn't mean that you have to switch mortgage deals. But, for your application to be successful, you need to meet strict eligibility criteria. Let me walk you through your options...
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How Much Can I Borrow on a Lifetime Mortgage?
The amount you can borrow on a lifetime mortgage is usually between 20% and 60% of the home's evaluation. But, it will also significantly vary according to the age of the applicant. Let me explain...
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Pros and Cons of Lifetime Mortgage
A lifetime mortgage, a unique type of loan for homeowners over 55, comes with its distinct advantages and potential drawbacks. Dive in to discover more...
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Lifetime Mortgage Rules – 2024 Laws and Pitfalls
Lifetime mortgages, available to homeowners aged 55 and above, offer a unique means of equity release that requires no monthly repayments, with the debt instead accruing over time until the property is sold. Intrigued? Let's delve deeper...
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Lifetime Mortgage Example – Avoid Most Common Pitfalls
Lifetime mortgages allow senior homeowners to access a loan equivalent to a portion of their property's value, without monthly repayments. Dive in to unravel the common pitfalls and learn how to navigate them effectively.
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Lifetime Mortgage for Over 60s – In-depth Guide
Yes, it is indeed possible to secure a lifetime mortgage if you're over 60, with certain conditions to be met. Intrigued? Dive in for an in-depth exploration.
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Lifetime Mortgage Early Repayment Charges – Hidden Costs Revealed
Lifetime mortgage early repayment charges are additional costs that arise when paying off a lifetime mortgage before its natural conclusion, and they're calculated based on specific terms set by your lender. Read on to understand these hidden costs and learn how you might avoid them.
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4 Little Known Truths about Equity Release
Equity release allows homeowners over 55 years old to borrow a percentage of their home's value without having to make repayments. It is a popular method of borrowing money. But, many people still don't know these 4 little known truths about equity release.
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Equity Release Criteria – Who Qualifies?
Standard equity release criteria include homeowners being at least 55 years old and owning a property that meets certain lender conditions for its potential resale value. Ready to dive in?
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5 Reasons for Equity Release
Are you looking to find out more about equity release? You’re in the right place. Every month, over 7,000 people visit our website to learn about equity release. In this article, we’ll share: Equity release can seem difficult to understand, but you don’t have to worry – we’re here to help. We can share lots […]
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Can I Move House if I Have Equity Release?
Yes, you can move house even if you have an equity release, though the conditions depend on several factors such as your lender and the new property's suitability. Intrigued? Let's dive in...
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Can You Get Equity Release on a Park Home?
It's unlikely that you'll be able to secure equity release on a park home. Find out why and explore alternative options in this informative guide.
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Can You Do Equity Release More Than Once?
Yes, you can indeed initiate an equity release more than once on your current residential property under certain scenarios. Dive in to unravel the specifics…
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Can You Get Equity Release on a Retirement Flat?
Yes, it is possible to get equity release on a retirement flat, although it is subject to the terms of specific lenders. Keep reading to understand how it works and your available options.
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Equity Release Conveyancing – What’s the Process?
Equity release conveyancing involves a solicitor guiding you through the process of accessing your home's equity, whilst ensuring all legal requirements are met, and both you and the lender's interests are protected. Intrigued? Let's delve deeper...
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Lifetime Mortgages Interest Only – Best Options in the UK
Lifetime mortgages interest only are a variation of standard lifetime mortgages, allowing homeowners to repay the interest each month, keeping the loan amount constant. Dive in to discover more about this unique financial product.
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Equity Release Buy to Let – In-depth Guide
Equity release on a buy-to-let property is not possible, but you can certainly release equity from it. Dive in to find out how…
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Equity Release on Rented Property – Is It Possible?
Equity release on a rented property is not possible as these plans are exclusively available for properties you reside in. Stay with me to learn more...
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Equity Release Myths – Fact or Fiction?
Equity release myths often deter individuals from accessing this viable financial solution, but we're here to separate fact from fiction. Let's uncover the truth together...
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Equity Release for School Fees – Is It Possible?
Yes, using equity release to cover school fees is indeed a viable option for older homeowners. Read on to unravel the specifics…
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What Is the Secured Loan Approval Process?
The secured loan approval process involves providing personal data, income, and property value information, followed by supplying documentation to substantiate the application claims. Let me walk you through the process...
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Can I Get a Secured Loan without My Husband Knowing?
If your husband is a registered owner of the property you plan to use as collateral, you cannot take out a secured loan without him knowing. But, it is possible to take out an unsecured loan without him knowing. Let me walk you through your options...
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Buy to Let Secured Loan – Avoid the Common Pitfalls
A buy-to-let secured loan is a way to tap into the equity of your existing rental property, though it comes with its own set of risks. Let me explain...
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Does A Secured Loan Affect Remortgaging? Full Guide
Yes, a secured loan can indeed impact your ability to remortgage, influenced by various factors. Let me explain...
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What Documents Do I Need For A Secured Loan?
To apply for a secured loan, you'll primarily need to provide documents that prove your identity, address, income, and any existing debts, as well as documents pertaining to the asset you're using as collateral. Let's dive deeper into this process…
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Secured Loan Application Process – Step by Step Guide
The secured loan application process involves meticulous calculation of borrowing needs, assessing the value of your collateral, and diligent documentation. Let me walk you through the process...
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Secured Loan Unencumbered Property – Is It Possible?
Yes, it is indeed possible to secure a loan against an unencumbered property, utilizing its full value as equity. Let's delve deeper into this topic...
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Secured Loan Example and Explanation – Full Guide
If you are considering getting a loan then you need to know the difference between a secured loan and an unsecured loan to know which is the right type for you. It's important to also know the risks involved with a secured loan and the different types that are available. Let me walk you through it...
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3rd Charge Secured Loans – What You Need to Know
A 3rd charge secured loan, also known as a 3rd charge mortgage, is a third loan that is secured to your property. This type of loan is taken out on top of a first and second charge mortgage, and is considered to be quite risky. Let me explain...
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Adding Home Improvement Loan to Mortgage – Problems and Pitfalls
Adding a home improvement loan to your mortgage is indeed possible, offering a potential solution for funding renovation projects. Stick around to uncover the ins and outs of this financial strategy...
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How to Combine Mortgage and Home Equity Loan
Yes, you can combine a mortgage and a home equity loan into a single debt, following certain procedures and conditions. Dive in to learn more…
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Family Equity Home Loan – Good Idea or Debt Trap?
A Family Equity Home Loan, a method of financial assistance from family members, can indeed be a beneficial route to homeownership, although it isn't without its potential pitfalls. Read on to find out more...
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When Can I Get a Home Equity Loan?
You can get a home equity loan as soon as you have accumulated sufficient equity in your property and meet the lender's financial and credit score criteria. Ready to dive deeper? Let's go...
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Home Equity Loan to Buy Car – Is It Possible?
Yes, it is indeed possible to use a home equity loan to purchase a car, utilizing your property's equity to finance the vehicle. Intrigued? Let's dive in…
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Home Equity Loan and Bankruptcy – What Happens Next?
When faced with bankruptcy, an existing home equity loan is not erased but the lender may enforce the sale of your home, or in case of a Chapter 13 bankruptcy, a repayment plan is usually put in place. Want to understand more? Dive in...
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Mobile Home Equity Loan – Is It Possible?
Obtaining a mobile home equity loan in the UK is generally challenging due to the greater risk of property depreciation. Delve into this article to discover the details and potential alternatives.
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Can I Sell My House with a Home Equity Loan?
Yes, you can sell your house even with a home equity loan still owed. Dive in to unravel the complexities of this process and make an informed decision.
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Can You Have Two Home Equity Loans?
Yes, it is possible to have two home equity loans at once, provided you have sufficient equity and meet the lender's approval criteria. Dive in to discover more.
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British Gas – How Long To Pay Bill? Quick Answer and Warning
You should pay British Gas before, or on, the payment date provided on the bill. If you can't pay your bill, contact British Gas immediately. If you don't, enforcement action may be taken. Let me walk you through your options...
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British Gas Debt On Meter – What You Need To Know
To pay a British Gas prepayment meter debt, you simply top up your prepaid card and slot it into the meter. A proportion of the balance will go towards repaying your debt. If you can’t pay, contact your provider to come to a repayment agreement. I’ll walk you through the process…
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How Long Does a Council Have to Respond to a PCN Appeal?
The council has 56 days, or 8 weeks, to respond to a PCN appeal. The council cannot ask you to pay during this time. They also cannot increase your fine during this time. Let me walk you through the process of appealing a PCN...
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Is a Speeding Ticket a Criminal Offence?
A speeding ticket is not a criminal offence if it is dealt with on time. If you ignore a Fixed Penalty Notice you can be prosecuted and this will go on your criminal record. Let me explain in more detail...
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Non-Endorsable Fixed Penalty Notice – Pay or Appeal? UK Laws
If you believe that a Non-Endorsable Fixed Penalty Notice was issued incorrectly, you can take the matter to court. You will need strong evidence to win the case. Let me explain the process...
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How to Avoid Paying a Littering Fine – Do I Appeal?
You can appeal a littering fine by taking the matter to court. For it to be successful, you need appropriate grounds for appealing. Let me walk you through your options…
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Speeding Fine Calculator – Can it help? Full Guide
Use the speeding fine calculator below to estimate your fine or penalty. Just enter your salary, the speed limit of the road you were driving, on and the speed you were actually driving.
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Motorway Speeding Fine – Do I Pay or Appeal?
You can appeal a motorway speeding fine within 28 days of receiving an NIP. But, you will need appropriate grounds and strong evidence for your appeal to be successful. Let me walk you through the process...
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Speeding Fine Wales – Do I Pay or Appeal?
You can appeal a Welsh speeding fine within 28 days of receiving an NIP. But, you will need appropriate grounds and strong evidence for your appeal to be successful. Let me walk you through the process...
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Congestion PCN – Should I Pay or Appeal?
You can appeal a Congestion PCN within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Can You Go To Court For Speeding Ticket?
Depending on the circumstances, you may need to go to court following a speeding ticket. For instance, you will need to appear in court if you want to challenge the ticket, or if you were driving considerably over the limit. Let me walk you through the details...
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Speeding Ticket Lawyer – Do I Need One?
A speeding ticket lawyer will increase your chances of success if you want to challenge a speeding ticket. However, they can be very expensive, so you need to make sure it's worth the cost. Let me explain...
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Heathrow Drop Off PCN – Pay or Appeal?
You can appeal a Heathrow Drop Off Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Conditional Offer of Fixed Penalty Notice – Pay or Appeal? UK Laws
It is not always possible to appeal a Conditional Offer of a Fixed Penalty Notice. When it is possible, the motorist will usually need to take the matter to court to have it overturned. Let me explain the process...
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Parking Tickets Northern Ireland – Pay or Appeal?
You can appeal a parking fine in Northern Ireland within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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What Is the Bus Lane Fine 20 Metre Rule?
Many motorists believe that entering a bus lane is allowed as long as they remain in the bus lane for less than 20 metres. This is the so-called called the 20 metre rule. But, it is not true. Motorists can always be fined for entering a bus lane. Let me explain...
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How Long Does a Council Have to Issue a Bus Lane Fine?
The council has 28 days to issue a bus lane fine. This can be extended by 14 days if the DVLA is slow to provide the council with the motorist's home address. Let me walk you through the process...
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Can a Private Parking Ticket Affect Your Credit?
A private parking ticket can technically affect your credit score. But, this can only happen if the company successfully issue a CCJ against you. This is usually a last resort. Let me walk you through your options...
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Speeding Fine Scotland – Should I Pay or Appeal?
You can challenge a speeding fine in Scotland by taking the matter to court. To do this, you need a good reason for the appeal and solid evidence. Let me guide you through the process...
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Manchester Bus Lane Fine – Pay or Appeal?
You can appeal a Manchester Bus Lane Fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Bus Lane Fine London – Should I Pay or Appeal?
You can appeal a London Bus Lane Fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Bus Lane Fine Bristol – Should You Pay or Appeal?
You can appeal a Bristol Bus Lane Fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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How to Avoid a Speeding Ticket – 2024 Laws & Guide
The best way to avoid a speeding ticket is to pay attention to the speed limit at all times. If you receive a speeding ticket, the most appropriate way to handle it is to pay it immediately or commit to a speed awareness course if possible. Let me talk you through your options...
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How to Get Out of a Speeding Ticket
The best way to handle a speeding ticket in the UK is to pay it as soon as possible. You can challenge a speeding ticket by taking it to court. But, this can be costly and there is a very low success rate. Let me explain...
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Coventry Parking Fines – Should You Pay or Appeal?
You can appeal a Coventry parking fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain...
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How to Get Out of a Speeding Ticket from a Speed Camera – Guide
The best way to handle a speeding ticket in the UK is to pay it as soon as possible. You can challenge a speeding ticket by taking it to court. But, this can be costly and there is a very low success rate. Let me explain...
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Should I Pay or Appeal a Bus Lane Fine?
You can appeal a bus lane fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Ardpark Parking Fines – Do I Pay or Appeal?
An Ardpark Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Birmingham Bus Lane Fine – Pay or Appeal?
You can appeal a Birmingham Bus Lane Fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Leeds Parking Fine – Should You Pay or Appeal?
You can appeal a Leeds parking fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain...
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Glasgow Bus Lane Fine – Do I Pay or Appeal?
You can appeal a Glasgow Bus Lane Fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Bus Lane Fine Wolverhampton – Pay or Appeal?
You can appeal a Wolverhampton Bus Lane Fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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How Much Is A Fixed Penalty Notice?
There are three types of Fixed Penalty Notices (FPNs). Endorsable FPNs can range from £60 to £200. Non-Endorsable FPNs are usually £30. Conditional Offer FPNs are usually £60. However, these are subject to change depending on the circumstances. Let me explain...
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Fixed Penalty Notice Littering Appeal – Do I Pay?
You can appeal a littering Fixed Penalty Notice by taking the matter to court. For it to be successful, you need appropriate grounds for appealing. Let me walk you through your options…
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Can I Pay a Fixed Penalty Notice in Instalments?
A Fixed Penalty Notice (FPN) cannot be paid in installments. The full amount has to be paid within 28 days of the fine being issued. Let me talk you through your options...
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Bus Lane Fine Cardiff – Do I Pay or Appeal?
You can appeal a Cardiff Bus Lane Fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Bus Lane Fine Bradford – Should you Pay or Appeal?
You can appeal a Bradford Bus Lane Fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Bus Lane Fine Warrington – Do I Pay or Appeal?
You can appeal a Warrington Bus Lane Fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Bus Lane Fine – Should I Pay or Appeal?
You can appeal a bus lane fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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How to Avoid Paying Bus Lane Fine – Things You Can Do UK
You can challenge a bus lane fine within 28 days of receiving it as long as you have appropriate grounds for appeal. You should not ignore a bus lane fine as further enforcement action could be taken. Let me explain...
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Definition of a Parked Car? UK Laws
A parked car is defined as one that is standing still. A parked car can be occupied or unoccupied. But, there are some distinctions between a parked car and a stopped car. Let me explain...
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Parking Awareness Services Ticket – Do I Pay or Appeal?
A Parking Awareness Services ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Blackpool Council Parking Fines – Do I Pay or Appeal?
You can appeal a Blackpool Council parking fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain...
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Sheffield PCN – Should I Pay or Appeal?
Getting a Sheffield Penalty Charge Notice is frustrating. But, in many cases, PCNs can be appealed. You just need to have appropriate grounds for appealing. Let me walk you through the process…
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Stoke on Trent PCN – Pay or Appeal?
Getting a Stoke on Trent Penalty Charge Notice is frustrating. But, in many cases, PCNs can be appealed. You just need to have appropriate grounds for appealing. Let me walk you through the process…
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I Can’t Afford to Pay my Fixed Penalty Notice – Things You Can Do
If you can't afford to pay your Fixed Penalty Notice (FPN), you should contact the court that issued the FPN as soon as possible. You should be ready to show the court how much you can afford to pay, or provide a feasible timeline for the payment. Let me walk you through the process...
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NCP Forgot To Pay – What to do next
If you've forgotten to pay your NCP parking fee, you have a 24 hour window to pay online. If you don't pay within 24 hours, NCP will issue a Parking Charge Notice. Let me talk you through the process...
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Liverpool Parking Ticket – Pay or Appeal?
You can appeal a Liverpool parking ticket within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain...
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UK Parking Patrol Office – Should I Pay or Appeal?
A UK Parking Patrol ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Local Parking Security Ltd – Should I Pay or Appeal?
A Local Parking Security Ltd parking ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Baysentry Solutions Parking Ticket – Should you Pay or Appeal?
A Baysentry Solutions parking ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Asda Parking Rules – Should I Pay or Appeal?
An Asda parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking in Permit Holders Only Fine – Pay or Appeal?
You can appeal a PCN for parking in a 'permit holders only' spot within 28 days of the issue date. To be successful, you need appropriate grounds for appealing. Let me explain...
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Link Parking – Should you Pay or Appeal?
A Link Parking ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Devere Parking Ticket – Do I Pay or Appeal?
A Devere Parking ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Saba Parking Services – Should you Pay or Appeal?
A Saba Parking Services fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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VCS Parking Fine – Should you Pay or Appeal?
A VCS parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Sainsbury’s Parking Fine – Should You Pay or Appeal?
A Sainsbury's parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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GXS Services Ltd – Should I Pay or Appeal?
A GXS Services Ltd fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Horizon Parking Sainsburys – Pay or Appeal?
A Horizon Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Park Watch – Should I Pay or Appeal?
A Park Watch fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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CPS Parking Ticket Fine – Should I Pay or Appeal?
A CPS Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Napier Parking – Should I Pay or Appeal?
A Napier Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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New Generation Parking Management – Pay or Appeal?
A New Generation Parking Management parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Capital Car Park Control – Should You Pay or Appeal?
A Capital Car Park Control parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Bank Park – Should You Pay or Appeal?
A Bank Park parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Gladstones Solicitors Debt – Should You Pay?
Not everyone will need to pay Gladstones Solicitors debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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PPS Parking – Should You Pay or Appeal?
A PPS Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Regent Parking – Should I Pay or Appeal?
A Regend Parking parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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HX Car Park Management – Should You Pay or Appeal?
A HX Car Park Management parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Appeal Met Parking Guide – What You Should Do
A MET Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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QDR Solicitors Parking Fine Scotland – Should I Pay?
A QDR Solicitors parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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What is the 5 Minute Parking Ticket Rule in the UK?
When you are legally parked, you are allowed a grace period before you can be issued with a parking ticket. This grace period is sometimes referred to as the five minute rule, but it is actually 10 minutes. Let me explain...
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PCM Parking – Should I Pay or Appeal?
A PCM Parking parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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British Parking Association Code of Practice
The British Parking Association Code of Practice applies to private parking fines. It encourages a fair and consistent standard of operating. For example, it enforces a maximum fine, clear signage, and no additional fees. Let me explain in more detail...
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Bristol PCN – Should I Pay or Appeal It?
Getting a Bristol Penalty Charge Notice is frustrating. But, in many cases, PCNs can be appealed. You just need to have appropriate grounds for appealing. Let me walk you through the process…
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ES Parking Enforcement – Should I Pay or Appeal?
An ES Parking Enforcement parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Speeding Ticket Loopholes – Everything You Need To Know
There is one speeding ticket loophole that can prevent prosecution. If you receive a Notice of Intended Prosecution more than 14 days after the alleged offence has been committed, you no longer have to pay the fine. However, there are some exceptions to this rule. Let me explain...
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What Happens If I Don’t Pay Bus Lane Fine?
If you ignore a Bus Lane PCN, the amount you owe will increase by 50%. If you don't respond, further enforcement action could be taken. Let me explain...
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One Parking Solution – Should I Pay or Appeal?
A One Parking Solution parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Sip Parking Fine – Should I Pay or Ignore It?
A Sip parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Total Parking Solutions – Should I Pay or Appeal?
A Total Parking Solutions parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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First Parking – Should I Pay or Appeal?
A First Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Mobile Speed Camera Rules – What You Need To Know
Knowing mobile speed camera rules could prevent you from a hefty fine. I've outlined what you need to know to avoid this...
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PCN Pay – Do You have to pay
You can appeal a Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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LC Asset 2 SARL on Bank Account – What Now?
LC Asset 2 SARL on your bank statement indicates a payment to a debt collection agency. The agency in question could be Link Financial, Asset Link Capital, or Victoria Asset Finance Ltd. Let me explain in more detail...
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PO Box 8743 Bellshill Debt Letter – Who is it?
PO Box 8743 Bellshill is a return address used by Mackenzie Hall Debt Collection. You should not ignore letters from Mackenzie Hall Debt Collection as further enforcement action could be taken. Let me walk you through your options...
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PO BOX 795 Telford TF7 9GG Letter – Who is it?
PO BOX 795 Telford TF7 9GG is an address used by the Department for Work and Pensions (DWP). You should not ignore a letter from the DWP as further action could be taken against you. Let me walk you through your options...
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NSL Parking – Should I Pay or Appeal?
An NSL Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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County Court Business Centre Claim Form – What To Do Next
After receiving a County Court Business Centre Claim Form, you can either admit guilt, dispute, or apply for more time to consider your situation. To dispute, I'll talk you through how to complete the attached Counterclaim and Defense form…
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County Court Business Centre Parking Fine? Read This
Before paying County Court Business Centre, make sure that the parking debt is yours. If it is, you should contact the CCBC directly to agree upon a repayment plan. Let me walk you through the process...
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Myparkingcharge – Should I Pay or Appeal?
A Myparkingcharge fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Aldi Parking Fine – Should I Pay or Appeal?
An Aldi parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Do Parking Fines Expire in the UK?
Council parking fines don't tend to expire. This is because they follow a strict enforcement procedure. Technically, private parking fines can expire. But, it is not advisable to ignore a private parking fine, because legal action could be taken against you. Let me explain...
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Average Mortgage Payment UK
As of March 2022, the average mortgage payment in the UK was £759 a month. But, the amount you can expect to spend on your mortgage each month will depend on your personal finances, how much you need to borrow, and the region in which you. Let me explain...
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Arvato British Gas – Should I Pay or Ignore?
You shouldn’t ignore Arvato British Gas debt collectors. If you do, further enforcement action will be taken. You should remain in contact with the company and try to agree upon a repayment plan. I’ll walk you through the process…
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Do Mobile Speed Camera Vans Take Picture Of Driver?
Speed cameras don't tend to capture the driver when taking a photo of a speeding vehicle. It is the responsibility of the registered owner of the vehicle to disclose who was driving when the offence was committed. Let me explain...
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Notice of Intended Prosecution – What Happens Next?
You must respond to a Notice of Intended Prosecution within 28 days of receiving it. If you don't, legal action could be taken. Let me explain the process...
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What Happens If You Lose In Small Claims Court?
If you lose in small claims court, you will be ordered to pay the debt. You may also be liable for any expenses the claimant has suffered as a consequence of taking legal action against you. Let me walk you through your options...
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UK Car Park Management Parking Charge Notice? Read This
A UK Car Park Management Parking Charge Notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Contractual Parking Charge Notice? Read This
A Contractual Parking Charge Notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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How Long Do Police Have to Issue a Speeding Ticket?
Unless you were given a verbal Notice of Intended Prosecution (NIP) by an officer, you must receive an NIP in the post within 14 days of the alleged offence. If you don't, you cannot be prosecuted. Let me explain the process...
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What Happens if You Ignore a Speeding Ticket?
If you ignore a speeding ticket, further enforcement action will be taken. It's likely that your fine will increase significantly. If you continue to ignore the court, you could be arrested. Let me explain in detail...
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Horizon Parking Fine Scotland – Pay or Ignore?
A Horizon Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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How Long Does a Charging Order on a Property Last?
In England and Wales, charging orders do not expire. A charging order will remain until the debt has been repaid. In Scotland, charging orders expire after 12 years. Let me explain in more detail...
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Speeding Fine Received after 14 Days – What to Do
If you don't receive a Notice of Intended Prosecution within 14 days of the alleged offence, you can no longer be prosecuted. In this case, you won't have to pay the fine or accept any points on your licence. However, there are some exceptions. Let me explain...
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Help with Divorce Fees – What You Need to Know
You may be entitled to financial help with your divorce fees. For example, if you receive state benefits or are earning a low income, you can apply to have court fees waived. Let me walk you through the process...
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Parking Eye Court Summons? What to do next
After receiving a Parking Eye court summons, you can either defend yourself in court or pay the fine. If you ignore the summons, further legal action could be taken against you. Let me walk you through your options...
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Do Bailiffs Work Weekends in 2024? Your Questions Answered
Bailiffs do work on weekends. If you have received a Notice of Enforcement, bailiffs may arrive at your property on a saturday. However, they can only arrive at certain times, and there are some exceptions. Let me explain...
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Faulty Speed Camera – Everything You Need To Know
A faulty speed camera may not register the speed of vehicles with the desired accuracy. It is difficult to prove that a speed camera is faulty, but you can take the matter to court. Let me explain the process...
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Premier Park Parking Charge Notice – Pay or Ignore?
A Premier Park Parking Charge Notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Giving money away before divorce
If you give money away before a divorce it could be considered by the court as an attempt to reduce the amount in the matrimonial pot. Consequently, the court may decide to include the amount given away when they divide the assets of both parties. Let me explain...
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Mobile Speed Camera Photo Evidence – What Should You Do?
If you're caught speeding by a mobile speed camera with photo evidence, you will receive a Notice of Intended Prosecution within 14 days. You will then receive a Fixed Penalty Notice (FPN). You can either pay the FPN or take the matter to court. Let me explain the process in more detail...
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Can Bailiffs Take My Car for a Parking Fine?
A bailiff can only seize your car for an unpaid parking fine if you are subject to a court order. However, taking your car is always a last resort. Let me walk you through the process...
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Speeding Fine Appeal Letter Sample for in the UK
In a speeding fine appeal letter you should include your contact details, FPN reference number, the alleged offence, and an explanation of why the FPN should be overturned. Let me illustrate...
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Fixed Penalty Notice For Speeding? What To Do Next
You should pay a Fixed Penalty Notice within 28 days. If you want to challenge the fine, you need to take the matter to court. Let me walk you through the process...
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How To Start Over After Divorce With No Money
If you have no money, starting over after a divorce can be a daunting task. But, there are a number of debt organisations and resources that can help you get back on your feet for free. Let me walk you through your options...
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How To Get Out Of A Fixed Penalty Notice
To get out of a Fixed Penalty Notice (FPN), you need strong evidence that it was wrongly issued. If the FPN was issued by the police, you will need to take it to court to have it overturned. Let me walk you through the process...
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Dart Charge Penalty Charge Notice – What You Need To Know
You can appeal a Dart Charge Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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How To Contest A Speeding Ticket
To contest a speeding ticket, you will need to take the matter to court. You will need a good reason for the appeal and excellent evidence to be successful. Let me explain the process...
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CCJ for Parking Ticket – What Are the Laws?
Once you have been issued a CCJ for a parking ticket, you are legally required to pay the fine. If you don't, you could face further debt enforcement action. Let me walk you through your options...
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Parking on Pavement Fine – What You Need to know
You may receive a Penalty Charge Notice (PCN) for parking on a pavement. You need to respond to a PCN within 28 days of it being issued by either paying the fine or appealing it. Let me explain...
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Penalty Charge Notice or Parking Charge Notice – What’s the difference?
A Penalty Charge Notice is a fine from a local council or transport authority. A Parking Charge Notice is a notice from a private company stating that you owe money because you broke the terms and conditions of using their car park. Let me explain in more detail...
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LCMS Limited – Should You Pay?
Not everyone will need to pay LCMS Limited. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Cost of Divorce after 5 Years Separation
The cost of your divorce won't be affected by length of separation. Instead, the cost of your divorce will largely be determined by solicitors fees and respondents. Let me explain...
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Lawton Hathaway Limited – Should You Pay Them?
Not everyone will need to pay Lawton Hathaway Limited. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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How to Beat ANPR Parking – What You Should Know
An ANPR parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Bankruptcy Statistics in the UK
The number of bankruptcies in the UK decreased significantly in 2022, with comprehensive data revealing a multitude of trends and patterns in relation to regional demographics, gender, and age. Read on to dive deeper...
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Can You Get a Parking Ticket While in the Car?
In the UK, you can get a parking ticket whilst you are in the car. But, if you are in a paid-for parking spot, and leave within ten minutes of it expiring, you cannot be issued a parking ticket. Let me explain...
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Are You Owed Money – Should You Pay?
Not everyone will need to pay Are You Owed Money. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Scottish Power Prepayment Meter Debt – What to do first
To pay a Scottish Power prepayment meter debt, you simply top up your prepaid card and slot it into the meter. A proportion of the balance will go towards repaying your debt. If you can’t pay, contact your provider to come to a repayment agreement. I’ll walk you through the process…
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Removing Clamp From Car? What You Need To Know
It is an offence to remove a clamp from your car. If you remove a clamp, you could face serious legal repercussions. Let me explain...
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McDonald’s Parking Fine – Pay or Appeal?
A McDonald's parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Ticket Appeal Template – Download, Edit, Send
To appeal a parking ticket, you should send a letter to the council or operator that includes your details, the details of the ticket, your reason for appealing, and evidence. Let me illustrate...
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How Much Does a Divorce Cost in Scotland?
The cost of a divorce in Scotland depends on the type of divorce you apply for. An ordinary divorce application costs at least £159, whereas a DIY divorce costs at least £128. Let me walk you through the process...
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Are Lidl’s Car Parking Fines Enforceable?
Lidl car parking fines are technically enforceable. But, they can be easily appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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How to Get Divorced for Free
Securing a divorce in the UK can indeed be free, especially under certain circumstances such as conducting a DIY divorce or qualifying for legal aid. Read on to learn how…
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Avro Energy Debt – Pay or Ignore?
You shouldn’t ignore Bulb Energy debt. If you do, further enforcement action will be taken. Instead, you should either pay your debt, or try to come to a repayment agreement. I’ll walk you through the process…
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Morrisons Parking Fine – Do I have to Pay?
A Morrisons parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Ovo Energy Debt Collection – Pay or Ignore?
You shouldn’t ignore Ovo Energy debt collectors. If you do, further enforcement action will be taken. You should remain in contact with the company and try to agree upon a repayment plan. I’ll walk you through the process…
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How can I hide money before divorce?
Hiding your money before a divorce is a bad idea. It is very likely that you will get caught. But, there are ways to protect your money before a divorce. Let me walk you through your options...
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Together Energy Debt Collection – Should you Pay?
You shouldn’t ignore Together Energy Energy debt collectors. If you do, further enforcement action will be taken. You should remain in contact with the company and try to agree upon a repayment plan. I’ll walk you through the process…
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Is There a Fine for Parking on Double Yellow Lines?
The local council can issue you a Penalty Charge Notice if you park on double yellow lines. You then have a 28-day window to either pay, or appeal, the fine. Let me walk you through the process...
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Can I expect Bailiffs for Private Parking Fines?
A private parking company cannot instruct bailiffs to chase you for debt. But, they can apply for a County Court Judgement to be issued against you. Let me explain the process...
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How Much Does a Divorce Cost if Both Parties Agree?
If both parties agree, a divorce doesn't have to be expensive. But, the actual cost will depend on a number of different factors. To estimate an accurate price, you need to consider solicitor fees, the cost of a divorce application, and financial settlement fees. Let me walk you through your options...
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Divorce Fees in the UK – Complete Overview
Navigating through a divorce in the UK involves encountering various costs, from solicitor fees to financial settlement fees. Let me walk you through them...
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Bulb Energy Debt – Pay or Ignore?
You shouldn’t ignore Bulb Energy debt. If you do, further enforcement action will be taken. Instead, you should either pay your debt, or try to come to a repayment agreement. I’ll walk you through the process…
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BPA Parking Fine – Should you Pay or Appeal?
The BPA doesn't issue fines to motorists. However, the BPA may be contacting you to solve a parking dispute on behalf of a private parking company. Let me explain...
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IPC Parking Fine – Appeal or Pay?
The IPC doesn't give out parking fines. However, it does handle the appeals process for parking fines given by private companies. Let me explain...
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CP Plus Payments – Pay or Appeal?
A CP Plus Payments parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Can bailiffs take a car on finance?
Bailiffs can't take a car on finance. If a bailiff clamps your car, you have two hours to prove that it is on finance. If they take your car anyway, you should talk to a debt specialist. Let me guide you through the process...
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Advanced Collection Systems – What You Need to Know
Not everyone will need to pay Advanced Collection Systems. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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DSL UK Debt Collection – Should You Pay?
Not everyone will need to pay DSL UK Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Digital DRA – Who Are They?
Not everyone will need to pay Digital DRA debt collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Euro Car Parks Fine Scotland – Pay or Appeal?
A Euro Car Parks fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Athena Collections – Do You Have To Pay Them?
Not everyone will need to pay Athena Collections. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Mercia Utility Services Limited – Who Are They?
Not everyone will need to pay Mercia Utility Services Limited. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Smart Parking Fine Scotland – Should You Pay?
A Smart Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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SSE Debt Collection – Should you Pay?
You shouldn’t ignore SSE debt collectors. If you do, further enforcement action will be taken. You should remain in contact with the company and try to agree upon a repayment plan. I’ll walk you through the process…
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Parking Ticket Rules in the UK
There are two types of parking fines in the UK. Penalty Charge Notices are issued by the council and are enforceable. Parking Charge Notices are issued by private companies and are not immediately enforceable. But, you shouldn't ignore any parking ticket as you could face legal consequences. Let me explain in more detail...
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DCBL Parking Fine Scotland – Should You Pay?
A DCBL parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Eye Scotland – Pay or Appeal?
A Parking Eye ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Hellix Ltd – Should You Pay Them?
Not everyone will need to pay Hellix Ltd. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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How to Get Out of Black Horse Finance in 2024
You can get out of Black Horse Finance by either paying the remainder of the agreement, or exercising your right to voluntary termination. Let me walk you through your options...
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Parking Fines in the UK – Everything You Need to Know
There are two types of parking fines in the UK. Penalty Charge Notices are issued by the council and are enforceable. Parking Charge Notices are issued by private companies and are not immediately enforceable. But, you shouldn't ignore any parking ticket as you could face legal consequences. Let me explain in more detail...
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Can I Get a Black Horse Finance Payment Holiday?
You may be able to get a Black Horse Finance payment holiday. If you are worried about being able to make a payment, you need to talk to Black Horse to find a solution as soon as possible. Let me walk you through the process...
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Cardiff Council Parking Fine – What To Do
You can appeal a Cardiff Council parking fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain...
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Havering PCN – Pay or Appeal?
You can appeal a Havering Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Overdales – Everything You Need to Know
Not everyone will need to pay Overdales. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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District Enforcement Appeals – What You Need to Know
A District Enforcement parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Redroute PCN – Pay or Appeal?
You can appeal a Redroute PCN within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain...
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POPLA Appeal – Everything You Need to Know
A POPLA parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Ticket Lawyer – Do You Need One?
You don't need a parking ticket lawyer to appeal a parking ticket. But, a lawyer could be useful if the parking ticket is particularly serious or expensive. Let me walk you through your options...
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Can Bailiffs force entry with a Locksmith?
Bailiffs can only force entry with a locksmith if they have a warrant or writ issued by the court. Let me walk you through the process...
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How long can a Bailiff clamp my car for?
A bailiff must clamp your car for at least two hours before taking it. If you pay the bailiff within the 2 hours, they will release your car. Let me explain the process...
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Is a Fixed Penalty Notice a Criminal Offence?
A Fixed Penalty Notice (FPN) isn't a criminal offence. It won't give you a criminal record as long as you pay or successfully appeal the fine. However, you do need to disclose an FPN when asked. Let me explain...
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How to get a High Court Writ set aside?
To set aside a High Court Writ you need to apply for a Stay of Execution. However, the court is only obliged to set aside the judgement in certain cases. Let me explain...
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Park With Ease – Should You Pay or Appeal?
A Park With Ease parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Penalty Charge Notice Law – Everything You Need to Know
A Penalty Charge Notice (PCN) is a fine served by a local council or Transport for London, as a consequence of a minor motoring offence. For example, you could be served a PCN for a parking contravention or an unpaid toll fare. Let me explain in more detail...
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Minster Baywatch – Should You Pay or Appeal?
A Minster Baywatch parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Charge Certificate – What You Need to Know
A Charge Certificate is a formal notification that you have failed to pay a Penalty Charge Notice (PCN) by the deadline. Consequently, the PCN fine is increased by 50%. Let me walk you through your options...
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Parking Fines Not Enforceable in Scotland?
In Scotland, council parking fines are immediately enforceable, whereas private parking fines aren't immediately enforceable. But, a private parking company could start court proceedings against you if you refuse to pay. Let me explain...
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DCBL Parking Fine – Should You Pay?
A DCBL parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Is It Possible To Get My Council Tax Debt Written Off?
Yes, it is possible to get your council tax debt written off under certain circumstances such as financial hardship, mental health, or physical conditions, or via debt solutions like IVAs, bankruptcy, and debt relief orders. Dive in for all the details…
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Parkmaven Appeal – Should you Pay?
A Parkmaven parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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P4 Parking – Should you Pay or Appeal?
A P4 Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Gemini Parking Solutions Appeal – Should you Pay?
A Gemini Parking Solutions parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Armtrac Security – Pay or Appeal?
An Armtrac Security parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parallel Parking ltd – Should you Pay or Appeal?
A Parallel Parking Ltd parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Ophelos – Everything You Need to Know
Not everyone will need to pay Ophelos Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Met Parking Services – Should you Pay or Appeal?
A Met Parking Services parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Private Parking Solutions – Should You Pay or Appeal?
A Private Parking Solutions parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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P&J Debt Collection – Should You Pay?
Not everyone will need to pay P&J Debt Collection. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Parking Eye Watchdog – What You Should Know
Parking Eye has been investigated by Watchdog over a number of errors relating to their Automatic Number Plate Recognition technology. POPLA, the parking appeals service, has also come under scrutiny by Watchdog. Let me explain what this means for you...
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Vehicle Control Services – Pay or Appeal?
A Vehicle Control Services parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Apcoa Parking Fine – Pay or Appeal?
An Apcoa parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Village Investigations Ltd – Do You Have to Pay?
Not everyone will need to pay Village Investigations Ltd. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Can bailiffs take a car not registered to me?
Bailiffs cannot take a car that isn't registered to you. They can only take things belonging to the debtor. Let me explain the process...
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Gladstones Solicitors Parking Fine – Should You Pay?
A Gladstones Solicitors parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Goodwins Credit Management – Should You Pay?
Not everyone will need to pay Goodwins Credit Management . But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Jacobs Bailiffs Broken Arrangement – What You Should Do
If you have broken a repayment arrangement with Jacobs Bailiffs, you should contact them immediately. They may renegotiate your repayment plan. If you don't make contact quickly, they could take further enforcement action. Let me walk you through your options...
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Seat Belt Fine – Do I Pay or Appeal?
To challenge a seat belt fine, you need to take the matter to court. But, these appeals have a very low success rate. The best course of action to take is to pay the fine ASAP or go on a seat belt course if possible. Let me explain...
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Can I pay the council instead of the bailiffs?
You can make a payment directly to the council. However, the bailiff fees will still apply. Let me walk you through the process...
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Yuill and Kyle Debt – Should You Pay?
Not everyone will need to pay Yuill and Kyle debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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PSP Fieldcall – Should You Pay?
Not everyone will need to pay PSP Fieldcall. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Horizon Parking Fine – Should you Pay or Appeal?
A Horizon Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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NSGL Parking – Should you Pay or Appeal?
An NSGL Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Initial Parking – Should you Pay or Appeal?
An Initial Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Park Direct UK – Pay or Appeal?
A Park Direct UK fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Eye Appeal – Guide, Laws and FAQs
A Parking Eye fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Check Vehicle Fines – How to view a charge
You can check a Penalty Charge Notice or a Parking Charge Notice online. But, you must have your reference number to hand. Let me walk you through the process...
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Can Bailiffs Take Sofas? What You Need To Know
A bailiff can take your sofa. However, taking a sofa is often more trouble than it is worth. Instead, bailiffs will likely take jewellry, vehicles, entertainment equipment, and other high-value goods. Let me explain...
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Controlled Goods Agreement – Everything You Need To Know
A Controlled Goods Agreement is a contract made between the bailiff and the debtor. It consists of a list of items that the bailiff can take control of if the debtor doesn't pay the debt. Let me explain in more detail...
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Is a default a CCJ? What You Need To Know
A default is not the same as a CCJ. You will get a default notice if you miss a repayment or don't make a full payment. A CCJ is a County Court Judgement. But, you can receive a CCJ as a result of a defaulted payment. Let me explain...
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What Happens to Catalogue Debt when Someone Dies?
After death, catalogue debt becomes the liability of the estate of the deceased. It will only be passed onto someone else if the debt was jointly owned or if someone acted as a guarantor. Let me explain...
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Argos Debt – All You Need to Know
You should repay your Argos debt as soon as possible. If you can’t pay, contact Argos immediately to arrange a feasible repayment plan. Let me walk you through the process…
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What to Do With Catalogue Debt in My Name?
Before paying catalogue debt, you should ensure that the debt is yours and genuine. If it is, you should try to come to a repayment agreement as soon as possible. Let me walk you through your options...
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Can I get Catalogue Debt Written Off?
You can write off catalogue debt with insolvency proceedings. You can choose between an Involuntary Voluntary Arrangement (IVA) or bankruptcy. Let me walk you through your options...
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Fashion World Debt – All You Need to Know
You should repay your Fashion World debt as soon as possible. If you can't pay, contact Fashion World immediately to arrange a feasible repayment plan. Let me walk you through the process…
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Npower Debt Collection Agency – Should you Pay?
Not everyone will need to pay Npower Debt Collection Agency. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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EDF Debt Collectors – Should you Pay?
Not everyone will need to pay EDF Debt Collectors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Ascent Performance Group Debt – Should You Pay?
Not everyone will need to pay Ascent Performance Group debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Credit G Debt – Should You Pay Them?
Not everyone will need to pay Credit G debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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ACT Credit Management Debt – Should You Pay?
Not everyone will need to pay ACT Credit Management debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Churchill Recovery Debt – Should You Pay?
Not everyone will need to pay Churchill Recovery debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Transport for London Penalty Charge – Pay or Appeal?
You can appeal a Transport for London Penalty Charge within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain...
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G24 Parking Fine – Should you Pay or Appeal?
A G24 Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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BW Legal Parking Fine – Pay or Appeal?
Not everyone will need to pay a BW Legal parking fine. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Excel Parking Fine – Should you Pay or Appeal?
An Excel Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Stanford and Green Debt – Should You Pay?
Not everyone will need to pay Stanford and Green debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Conexus Recovery Debt – Should You Pay?
Not everyone will need to pay Conexus Recovery debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Kearns Solicitors Debt – Should You Pay?
Not everyone will need to pay Kearns Solicitors debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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UK Search VT – What You Need To Know
UK Search VT will appear on your bank statement if you have agreed on payment plan with UK Search Limited, a debt collection agency also known as UKSL. Let me walk you through their debt collection process...
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Shergroup Debt – Should You Pay
Don’t pay Shergroup Debt unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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Brecon House Caerphilly – Who Are They?
Brecon House Caerphilly is the registered address of Kearns Solicitors, a company that provides debt recovery services. If you've been contacted by Kearns Solicitors, you may owe a debt. Let me walk you through your options...
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Capital Recoveries Debt – Should You Pay?
Not everyone will need to pay Capital Recoveries. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Darcey Quigley Debt – Should You Pay
Not everyone will need to pay Darcey Quigley debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Sonex Financial Debt – Should You Pay?
Not everyone will need to pay Sonex Financial. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Clearscore Score Bands – What Do They Mean?
In 2021, Clearscore changed their credit score bands. There are now five Clearscore score bands, ranging from poor to excellent. Let me explain what this means for you...
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Top Service Debt – Should You Pay?
Not everyone will need to pay Top Service debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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TNC Collections – Should You Pay?
Not everyone will need to pay TNC Collections. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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EON Debt Collection – Should you Pay
You shouldn’t ignore Eon debt collectors. If you do, further enforcement action will be taken. You should remain in contact with the company and try to agree upon a repayment plan. I’ll walk you through the process…
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Sygma Bank Debt – Should You Pay?
Not everyone will need to pay Sygma Bank Debt. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Capital One Default – Should You Pay?
Some people may not have to pay a Capital One default. But, if you don't take action quickly, you risk doing further damage to your credit score and you could even be taken to court. Let me walk you through your options...
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We Want to Say Yes – Should You Pay?
Not everyone will need to pay We Want to Say Yes. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Direct Collection Bailiffs LTD – Should You Pay?
Don’t pay Direct Collection Bailiffs LTD unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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How to Deal with DCBL
Not everyone will need to pay DCBL. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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DWP Debt Management Contact Details
DWP Debt Management is part of the Department for Work and Pensions. They are responsible for recovering overpaid social security benefits, as well as other monies. You can contact DWP Debt Management by phone or email.
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Link Financial Harassment? Here’s What to Do
Link Financial are not allowed to harass you. If they call you during unsociable hours, contact your employer, or try to intimidate you in person, you can make a formal complaint. Let me walk you through the process...
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UK Search Limited – Should You Pay?
Not everyone will need to pay UK Search Limited. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Commercial Domestic Investigations – Should You Pay?
Not everyone will need to pay Commercial Domestic Investigations. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
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Normal Rate Direct Earnings Attachment
The normal rate of direct earnings attachment is set at a maximum of 20%. But, there is a higher rate with a maximum of 40%. Let me explain in more detail...
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Housing Benefit Overpayment Appeal Letter Sample
You can appeal a housing benefit overpayment decision if an official error is to blame, or if it was impossible for you to know that you were overpaid. To do so, you must write a letter to your local council including any evidence proving that you aren't liable to pay. Let me illustrate...
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Henriksen Limited – Should You Pay?
You might not have to pay Henriksen Limited. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Credit Resolution Services – Here’s What to Do
You might not have to pay Credit Resolution Services. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Apply For DRO Online – Step By Step Guide
Applying for a DRO online involves a few key steps, including liaising with an authorised debt advisor who will handle your application on your behalf. Dive in to uncover the full process...
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County Court Letter – Here’s What To Do
A county court letter, otherwise known as a County Court Judgement, is an order by the court to pay a debt that you owe. If you ignore a county court letter, further legal action could be taken against you. Let me walk you through your options...
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JD Williams Debt – All You Need to Know
You should repay your JD Williams debt as soon as possible. If you can’t pay, contact JD Williams immediately to arrange a feasible repayment plan. Let me walk you through the process…
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Carflow Appeals – What You Need to Know
A Carflow parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Car Parking Partnership Appeal – What You Need to Know
A Car Parking Partnership fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Eye Complaints – Guide and Tips
To make a Parking Eye complaint, you should first contact the company itself. If nothing is done, you can get in touch with the Independent Appeals Service or the Ombudsman. Let me walk you through the process...
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Simply Be Debt – All You Need to Know
You should repay your Simply Be debt as soon as possible. If you can’t pay, contact Simply Be immediately to arrange a feasible repayment plan. Let me walk you through the process…
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Should I Pay Euro Car Parks Fine?
A Euro Car Parks fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Very Debt – All You Need to Know
You should repay your Very debt as soon as possible. If you can’t pay, contact Very immediately to arrange a feasible repayment plan. Let me walk you through the process…
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Loqbox Missed Payment – Here’s What To Do
If you miss a Loqbox payment, a report will be sent to credit agencies and your credit score will be impacted. To avoid this, if you are worried about missing an upcoming payment, you should cancel your Loqbox account and retrieve any savings you have. Let me walk you through the process...
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Euro Car Parks Fine – Everything you need to know
A Euro Car Parks fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Private Parking Tickets Court Cases – Examples and Tips
If you ignore a private parking ticket, the company could eventually take you to court. To avoid this, you can either pay or appeal the ticket. Let me walk you through your options...
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Tesco Parking Fine – Pay or Appeal?
A Tesco parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Civil Enforcement PCN – Pay or Appeal?
A Civil Enforcement parking charge notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Group Nexus Parking Charge – Pay or Appeal?
A Group Nexus parking charge can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Fake Parking Ticket – How to spot them
You can receive a fake parking ticket in the post, via email, or one could be placed on your car. If you are suspicious of a parking ticket, you shouldn't send a payment until the ticket can be verified. Let me walk you through the process...
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Parking Control Management – Pay or Appeal
A Parking Control Management parking ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Fine Loopholes
The only way to get out of a parking ticket is to make a successful appeal. There are a number of loopholes and excuses that you can use as grounds for your appeal. For example, if you only overstayed in the car park by 10 minutes, you could use the grace period loophole. Let me walk you through your options...
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Smart Parking Fine – Should you Pay or Appeal?
A Smart Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Countrywide Parking Appeals – Should You Pay?
A Countrywide parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Lost Parking Ticket? – What to do First
If you have lost a parking ticket, you should contact the issuer as soon as possible to recover your reference number. With a reference number, you will be able to appeal or pay the ticket. Let me walk you through the process...
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Britannia Parking Fine – Should you Pay or Appeal?
A Britannia parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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How long can you be chased for a parking ticket?
How long you can be chased for a parking ticket depends on the type of ticket you have received. If you have been issued a Penalty Charge Notice (PCN) you can be chased for a number of years and legal action could be taken against you if it is ignored. Let me walk you through the process...
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Now TV Missed Payment – Here’s What To Do
If you miss a Now TV payment, your account could be suspended. To avoid this, you should contact Now TV as soon as possible. Let me walk you through your options...
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Secure Parking Solutions – Should you Pay or Appeal
A Secure Parking Solutions parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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TalkTalk Missed Payment – Here’s What To Do
If you miss a TalkTalk payment you should contact Vodafone to avoid further enforcement action. Let me walk you through your options...
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Elite Parking Management – Should you Pay or Appeal?
An Elite Parking Management parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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AA Missed Payment – Here’s What To Do
If you miss an AA payment, it's important that you contact AA to discuss your situation as soon as you can. If you don't, your policy could be cancelled. Let me walk you through your options...
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Check Debt Against a Property
The only way to check debt against a property is through the Land Registry. Let me walk you through the process...
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CST Law Letter Before Claim – What You Should Know
A CST Law Letter Before Claim (LBC) is a notice that court action may be taken over a debt. You may receive a CST Law LBC as a consequence of an unpaid private parking fine. Let me walk you through your options...
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How Far Back Does Official Receiver Go?
An official receiver goes back up to five years before your bankruptcy. It will investigate any assets you have distributed or sold. Let me walk you through the process...
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How Long Can Energy Companies Chase You for Debt?
Generally, energy companies can chase you for debt for 6 years. However, some types of debt can be written off after 12 months. Let me explain...
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How long can a debt be chased UK?
A creditor can chase a debt for up to 6 years. However, there are some important exceptions to this rule. Let me explain...
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How long can HMRC chase a debt?
HMRC can chase some debts for up to 20 years. If HMRC is chasing your for a debt, you should try to come to a repayment agreement as soon as possible. Let me walk you through the process...
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How Many Times Can a Bailiff Visit?
A bailiff can visit your property three times. You will receive a Notice of Enforcement at least 7 days before the first visit. Additionally, the bailiff must leave at least 7 days in between each visit. Let me walk you through the process...
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Sigma Financial Group Debt – Should You Pay?
You might not have to pay Sigma Financial Group Debt. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Themis Recoveries Debt – Should You Pay?
You might not have to pay Themis Recoveries. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Newlyn PLC Harassment – What to Do?
Newlyn PLC are not legally allowed to harass you. If you believe that Newlyn aren't abiding by their strict code of conduct, you can make a formal complaint. Let me walk you through the process...
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Insolvency Statistics in the UK (Bankruptcy, IVA, DRO)
Insolvency in the UK, involving options such as bankruptcy, Individual Voluntary Arrangements (IVA), and Debt Relief Orders (DRO), saw significant shifts in 2022 as detailed in the following statistics. Discover the insights that unfold...
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JCIA Debt – Should You Pay?
You might not have to pay JCIA debt. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Average Personal Debt in the UK
As of March 2022, the average personal debt in the UK was £33,410. However, average personal debt can vary significantly depending on age, gender, and region. Let me explain...
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One Source Enforcement Services – Should You Pay?
You might not have to pay One Source Enforcement Services. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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UKPC Parking Fine – Pay or Appeal?
A UKPC parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Do You Have to Pay Parking Eye Fines?
A Parking Eye fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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NCP Appeals – Should You Pay or Appeal?
An NCP parking ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Euro Car Parks Appeal – Guide and FAQs
A Euro Car Parks fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Acorn Missed Payment – Here’s What To Do
If you miss an Acorn payment, it's likely that you'll receive reminders. If you ignore these reminders, further action could be taken against you. Let me walk you through your repayment options...
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Direct Line Missed Payment – Here’s What To Do
If you have missed a Direct Line payment, you can expect to receive a reminder. If you can't pay, you should contact support as soon as possible to come to a repayment agreement. Let me walk you through the process...
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How to Clear Debt on Electric Meter – Step by step guide
To clear debt on your electric meter, you simply top up your prepaid card and slot it into the meter. A proportion of the balance will go towards repaying your debt. If you can’t pay, contact your provider to come to a repayment agreement. I’ll walk you through the process…
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EE Missed Payment – Here’s What To Do
If you miss an EE payment you should contact EE to avoid further enforcement action. Let me walk you through your options...
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Spring Parking – Should You Pay or Appeal?
A Spring Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Spark Energy Debt Collection – Should you Pay?
You shouldn’t ignore Spark Energy debt collectors. If you do, further enforcement action will be taken. You should remain in contact with the company and try to agree upon a repayment plan. I’ll walk you through the process…
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Shell Energy Debt Collection – Do You Have to Pay?
You shouldn’t ignore Shell Energy debt collectors. If you do, further enforcement action will be taken. You should remain in contact with the company and try to agree upon a repayment plan. I’ll walk you through the process…
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Highview Parking – Pay or Appeal?
A Highview Parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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National Parking Enforcement – Should You Pay or Appeal?
A National Parking Enforcement ticket can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Flashpark – Should you Pay or Appeal
A Flashpark parking fine can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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AXA Missed Payment – Here’s What To Do
If you miss an AXA payment, you should contact AXA as soon as possible to discuss your options. If you don't, your insurance policy could be cancelled and you could face extra administrative costs. Let me walk you through your options...
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Admiral Missed Payment – Here’s What To Do
If you miss an Admiral payment, it's important that you contact Admiral as soon as possible to discuss repayment. If you don't, Admiral may cancel your policy, or take further action against you. Let me walk you through your options...
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Do I Have to Pay a Parking Charge Notice?
A parking charge notice can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Ticketmaster Missed Payment – Here’s What To Do
If you miss a Ticketmaster payment, your purchase could be cancelled. To avoid this, you need to make a payment within 14 days. Let me walk you through the process...
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Good Excuses for Parking Ticket Appeals
There are a number of good excuses for parking ticket appeals. For example, you may believe that the ticket was issued incorrectly, or perhaps the road signs were unclear. Let me walk you through your options...
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Klarna Can’t Pay – What You Need To Do
If you can’t pay your Klarna debt, you should contact Klarna as soon as possible. Buy Now Pay Later schemes often provide customers with extensions or feasible repayment plans. Let me explain the process…
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Klarna Late Payment – What You Need To Do
If you miss a Klarna payment, you should settle the debt immediately. If you cannot pay, contact Klarna. Buy Now Pay Later schemes often provide customers with extensions or feasible repayment plans. I’ll talk you through the process…
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Klarna Debt Collection – Should you Pay?
Before you pay a Klarna debt collection agency, you should check that the debt is yours. If the debt is yours, you need to discuss repayment options with the agency as soon as possible. Let me walk you through the process…
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Klarna Missed Payment – Should you Pay?
If you miss a Klarna payment, you should settle the debt immediately. If you cannot pay, contact Klarna. Buy Now Pay Later schemes often provide customers with extensions or feasible repayment plans. I’ll talk you through the process…
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Clearpay Missed Payment – Should you Pay
If you miss a Clearpay payment, you should settle the debt immediately. If you cannot pay, contact Clearpay. Buy Now Pay Later schemes often provide customers with extensions or feasible repayment plans. I’ll talk you through the process…
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Laybuy Missed Payment – Should You Pay?
If you miss a Laybuy payment, you should settle the debt immediately. If you cannot pay, contact Laybuy. Buy Now Pay Later schemes often provide customers with extensions or feasible repayment plans. I’ll talk you through the process…
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Do Klarna Send Letters? What To Expect
Klarna may send you a letter if you miss a payment and don't respond to texts or emails. It's important that you respond to a letter from Klarna to prevent a debt collection agency getting involved. Let me explain...
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Why Is My Clearpay Account Frozen?
If you miss an installment payment, Clearpay will freeze your account immediately. Clearpay will contact you the following day to come to a solution. It's important that you respond to Clearpay to prevent further action. Let me walk you through the process...
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Vodafone Missed Payment – Here’s What To Do
If you miss a Vodafone payment, you should pay as soon as possible. If you are unable to pay, you should contact Vodafone to avoid further enforcement action. Let me walk you through your options...
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Harrow PCN – Should you Pay or Appeal?
You can appeal a Harrow Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Brent PCN – Should you Pay or Appeal?
You can appeal a Brent Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Camden PCN – Pay or Appeal?
You can appeal a Camden Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Bexley PCN – Pay or Appeal?
You can appeal a Bexley Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Edinburgh Parking Tickets – Pay or Appeal?
You can appeal an Edinburgh parking ticket within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain...
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Barnet PCN – Should you Pay or Appeal?
You can appeal a Barnet Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Can I Transfer Catalogue Debt to a Credit Card?
You can transfer catalogue debt to a credit card. By doing so, you may benefit from a lower interest rate, and fewer monthly payments. Let me explain...
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Zilch Missed Payment – Should you Pay?
If you miss a Zilch payment, you should settle the debt immediately. If you cannot pay, contact Zilch. Buy Now Pay Later schemes often provide customers with extensions or feasible repayment plans. I’ll talk you through the process…
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Ealing pay PCN – Should you Pay or Appeal?
You can appeal an Ealing Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Haringey PCN – Should you Pay or Appeal?
You can appeal a Haringey Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Hammersmith and Fulham PCN – Pay or Appeal?
You can appeal a Hammersmith and Fulham Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Croydon parking fines – Pay or Appeal?
You can appeal a Croydon parking fine within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain...
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Kensington and Chelsea PCN – Pay or Appeal?
You can appeal a Kensington and Chelsea Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Redbridge PCN – Pay or Appeal?
You can appeal a Redbridge Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Bromley Parking Fine – Pay or Appeal?
You can appeal a Bromley Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Clearpay Debt Collection – Should you Pay?
Before you pay a Clearpay debt collection agency, you should check that the debt is yours. If the debt is yours, you need to discuss repayment options with the agency as soon as possible. Let me walk you through the process…
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What Happens if You Don’t Pay Klarna?
If you can't pay your Klarna debt, you should contact Klarna as soon as possible. Buy Now Pay Later schemes often provide customers with extensions or feasible repayment plans. Let me explain the process…
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Birmingham PCN – Pay or Appeal?
You can appeal a Birmingham Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Kingston PCN – Should you Pay or Appeal?
You can appeal a Kingston Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Islington PCN – Pay or Appeal?
You can appeal an Islington Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Westminster PCN – Should you Pay or Appeal?
You can appeal a Westminster Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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What happens if I don’t pay my electric bill?
If you don't pay your electric bill, your supplier could install a prepayment meter, or even pass your details onto a debt collection agency. If you can't pay your bill, you should contact your supplier to agree upon a repayment plan. Let me walk you through your options...
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Newham PCN – Pay or Appeal?
You can appeal a Newham Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Enfield PCN – Should you Pay or Appeal?
You can appeal an Enfield Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Lewisham PCN – Should you Pay or Appeal?
You can appeal a Lewisham Penalty Charge Notice within 28 days of it being issued. For it to be successful, you need appropriate grounds for appealing. Let me explain…
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Andrew James Enforcement Ltd – Should you Pay?
You might not have to pay Andrew James Enforcement Ltd. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Are Private Car Park Fines Enforceable?
Private car park fines are not initially enforceable. But, a private parking company could take you to the small claims court if you refuse to pay or respond. Let me explain...
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One Source Debt Resolution – Should you Pay them?
You might not have to pay One Source Debt Resolution. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
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Wilson & Roe High Court Enforcement – Should you Pay?
Don’t pay Wilson & Roe High Court Enforcement unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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ARP Enforcement Agency Ltd – Should you Pay?
Don’t pay ARP Enforcement Agency Ltd unless you are sure that the debt is yours. If it is your debt, you should act within 7 days of receiving a Notice of Enforcement. Let me talk you through it…
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Does a Parking Ticket Have to be Placed on the Car?
A parking ticket does not have to be placed on your car. Both Penalty Charge Notices and Parking Charge Notices can be sent in the post. Let me explain the process...
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Parking Fines on Private Land – What you need to know
Parking fines on private land can be appealed if you believe that the operator didn’t follow the IPC’s Code of Practice. Let me explain…
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Parking Charge Notice Ignore? What’s the Law
You shouldn't ignore a Parking Charge Notice. If you do, the company may try to take further enforcement action against you. Let me walk you through your options...
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How Long Can a PCN Be Issued After the Offence?
The local council has 28 days to issue a PCN. However, this time-frame can be extended in some circumstances. For example, if the DVLA are delayed in providing your address. Let me explain in more detail...
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How to Pay Off Catalogue Debt?
You can pay off catalogue debt in several different ways. For example, you could make an informal agreement with the catalogue, consolidate your debts, or pay a reduced lump sum settlement. Let me explain your options...
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Do Parking Tickets have to be Issued Within 14 days?
Private parking tickets should be issued within 14 days. But, the council has 28 days to issue a Penalty Charge Notice. Let me explain...
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Wrong Registration Number on PCN
If you receive a PCN with the wrong registration number, you should check that the PCN is yours. If it is yours, you will still need to pay the PCN despite the error. Let me explain...
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Bus Lane Penalty Charge Notice
You will receive a Penalty Charge Notice (PCN) if you drive in a bus lane. You should either accept the fine or challenge the PCN within 28 days of its issue date. If you ignore a PCN, further enforcement action could be taken. Let me walk you through the process...
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Lost PCN Number? What To Do Next
If you lose your PCN number, you should contact the PCN issuer as soon as possible. You need the PCN number to pay or appeal the PCN. Let me explain in more detail...
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Appeal PCN – What You Need To Know
You can appeal a PCN within 28 days of receiving it. To do so, you need appropriate grounds for appeal and good evidence. Let me explain...
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Check car penalty online – Steps by step guide
There is no way to check if you have a penalty notice online. If you believe you have an unpaid penalty notice, you should contact your local council. Let me explain in more detail...
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PCN Appeal Letter Template – Free Sample
You can appeal a PCN within 28 days of receiving it. To do so, you need to write an appeal letter, also called a representation. The letter should include a detailed explanation of why you are challenging the PCN and any evidence you have. Let me explain in more detail...
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Penalty Charge Notice Number – What You Need to Know
Every Penalty Charge Notice (PCN) has a unique identification code called a PCN number. It can be found at the top of any PCN, and normally begins with two letters. Let me explain in more detail...
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Can HMRC Take My House? What You Need To Know
HMRC will not take your house to pay off your debt. But, HMRC may be able to recover your debt from any property sale. Let me walk you through your options...
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Can HMRC Debts Be Written Off?
It is possible to get HMRC debts written off. But, it is quite uncommon. To be successful, you will need to either use a debt solution or have a valid reason for write off, such as illness. Let me walk you through your options...
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What Happens if I Can’t Pay My Overdraft?
If you can't pay your overdraft, the amount you are overdrawn will continue to accrue interest and grow. But, there are lots of ways to manage overdraft debt. Let me walk you through your options...
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Can an Overdraft be Statute Barred?
Yes, an overdraft can be statute barred, but certain factors may impact this process. Let's delve deeper...
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Consequences of Not Paying Phone Contract
If you don't pay your phone contract, you could be disconnected from the service and chased by debt collectors. If you continue to ignore the debt, you could even face legal action. Let me walk you through your options...
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Can a Statute Barred Debt be ‘Unbarred’?
A statute barred debt cannot be 'unbarred', even if a payment towards the debt or an admission of debt occurs after it becomes statute barred. Dive in to learn more…
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If I Clear my Debt can I get a Mortgage?
Clearing your debt will improve your personal finances, which will strengthen your mortgage application. But, clearing your debt won't necessarily result in a successful mortgage application. Let me walk you through your options...
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My Dad Is in Debt How Can I Help?
Helping your dad navigate his debt can be accomplished through emotional support and guiding him towards appropriate debt solutions, rather than directly financing it yourself. Dive in to explore the possibilities...
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My Mum is in Debt how can I Help?
Assisting your mum with her debt involves understanding the signs of financial distress, opening a supportive conversation, and seeking professional advice. Dive in to learn more…
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My Son is in Debt How Can I Help?
If your son is in debt, the most important and practical way to help him is to put him in touch with debt advice. It is also vital that you are as supportive and positive as possible. Let me walk you through your options...
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My Parents are in Debt How Can I Help Them?
You can assist your parents in overcoming their debt by providing emotional support, helping with budgeting, and connecting them with free debt advice services. Dive in to learn more…
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Should I Help my Spouse with Debt?
You are not legally responsible for your spouse's debt. But, it may be within your best interest to help them manage it. You could provide support by creating a household budget or contacting debt advice services. Let me walk you through your options...
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How to Help Someone get out of Debt
Assisting someone to get out of debt involves understanding the signs of financial stress, providing emotional support, and guiding them towards the right resources and debt management strategies. Read on, we've got you covered...
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How Does Debt Write Off Work?
A debt write off is when a creditor agrees that you no longer need to pay a debt. This can happen if a debt becomes too old to be enforced, or if you can prove that you are unable to pay. Let me walk you through your options...
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Can I Settle Debt with a Debt Collector?
It is possible to settle a debt with a debt collector. But, you should get a signed agreement from the debt collector before you pay a lump sum. Let me walk you through the settlement process...
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Can a Tax Debt be Written Off?
Tax debt can potentially be written off, but it heavily depends on the type of tax debt you have. Keep reading to find out how...
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Can I get my Energy Debt Written Off?
It might be possible to get your energy debt written off. But, it's more likely that your energy supplier will agree to a feasible repayment plan. Let me walk you through your options...
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Can a Written Off Debt be Reinstated?
Yes, a written off debt can potentially be reinstated, particularly if it was written off due to your financial situation and not due to exceeding the limitation period. Stay tuned for more…
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How Often are IVAs rejected?
An IVA proposal will be rejected when less than 75% of the creditors vote to approve it. But, reputable debt charities and companies usually boast a low IVA rejection rates. Let me walk you the process...
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Can an IVA stop a CCJ?
An IVA can stop a CCJ. After signing an IVA agreement, your creditors are no longer able to chase you for the debt. But, for your IVA proposal to be accepted, it needs to be considered appropriate by at least 75% of your creditors. Let me walk you through the process...
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What are the Negatives of an IVA?
The negatives of an Individual Voluntary Arrangement (IVA) can range from impacting your credit score to imposing restrictions on your personal spending. Intrigued? Let's delve deeper...
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Can a Debt Management Plan Stop Bailiffs?
Yes, a Debt Management Plan (DMP) can stop bailiffs, depending on your individual circumstances and your creditor's stage in the debt recovery process. Read on to discover when and how this is possible…
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How Long does it take to Set Up a Debt Management Plan?
It normally takes between two to three weeks to set up a Debt Management Plan (DMP), once you've given your DMP provider all of them information they require. However, this timeframe can vary significantly depending on your personal circumstances. Let me explain...
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How does a Debt Management Plan Affect Your Mortgage?
When you enter a Debt Management Plan (DMP), your mortgage payments are included as essential expenses. But, you may run into some difficulty if you want to switch mortgages, or take out a mortgage, during your DMP. Let me explain...
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Can you put a Guarantor Loan on a Debt Management Plan?
Yes, it is possible to include a guarantor loan in a Debt Management Plan (DMP), but there are important implications to understand. Stay with me to find out more...
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What is an Informal Debt Management Plan?
An informal Debt Management Plan (DMP) is a non-legally binding agreement designed to assist individuals in repaying their multiple debts without experiencing financial hardship. Dive in to discover more about this solution and how it could possibly be a fit for your financial needs.
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Lifetime Mortgage Calculator – Helping You Decide
A lifetime mortgage calculator assists in determining the potential costs associated with equity release loans, elucidating the complexities of repayment terms and compounding interest rates. Continue reading to unravel the intricacies of lifetime mortgages and understand the utility of a lifetime mortgage calculator.
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Home Reversion Plan Calculator – How It Can Help You
A home reversion plan calculator can assist you in understanding the potential funds you could unlock from your home and the associated costs via a home reversion scheme. Dive in to discover more…
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The Best Home Reversion Companies – Overview & Tips
The best home reversion companies in the UK are Hodge Lifetime, Crown Equity Release, Newlife, and Bridgewater Equity Release. Dive in to discover more…
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The Best Lifetime Mortgage Providers – Overview & Best Options
A lifetime mortgage equity release allows senior homeowners to leverage the value of their property as a loan, which is repayable once they move into long-term care or pass away. Keep reading to understand this further and discover the top lifetime mortgage providers in the UK.
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What Is an Enhanced Lifetime Mortgage? In-Depth Overview
An Enhanced Lifetime Mortgage is a variation of the standard lifetime mortgage that allows senior homeowners with health issues or conditions to borrow more against their home equity. Continue reading to learn more about how this mortgage works, its advantages, and how to apply.
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The Best Lifetime Mortgage – Guide, Advice & Tips
Are you keen to find out more about a lifetime mortgage? It’s a big step, and it’s normal to feel a bit unsure. You’re not alone. Each month, over 7,000 people visit our website to find out about equity release. In this guide, we’re going to explain: Thinking about money for your later years can […]
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What is a Lifetime Mortgage Drawdown? Overview & More
A Lifetime Mortgage Drawdown is a specific type of lifetime mortgage that provides a borrower with an initial lump sum and the flexibility to draw additional amounts as needed. Dive in to discover the numerous benefits and how it could enhance your retirement plan.
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Flexible Lifetime Mortgage – Complete Overview
A flexible lifetime mortgage is a unique type of equity release plan that allows homeowners to voluntarily make repayments, thus managing the overall debt. Dive in to learn more...
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Lifetime Fixed Mortgage – What Is It and How Can It Help You?
A lifetime fixed mortgage is a type of equity release loan that offers senior homeowners a tax-free lump sum without monthly repayments, potentially assisting them to fund their retirement. Ready to discover more about this option? Dive in!
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Are Lifetime Mortgages a Good Idea? – Guide, Advice & More
Lifetime mortgages can indeed be a good idea, especially for individuals later in life who need funds to enhance the quality of their retirement. Curious? Read on to find out more...
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Home Reversion Plan vs Lifetime Mortgage – Which Is Better?
Deciding between a home reversion plan and a lifetime mortgage largely depends on your personal circumstances and long-term goals. Dive in to understand better...
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Is Equity Release Worth It? Pros and Cons
Equity release, though potentially expensive upon repayment, can indeed be worth it for seniors seeking to access funds without monthly payments, given their specific financial circumstances and needs. Intrigued? Read on...
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Is Equity Release a Con? Quick Analysis
Equity release is not a con. But, equity release scams do exist. That's why it's important to only consider lenders that are regulated by the Financial Conduct Authority. Let me explain...
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Equity Release to Pay Off Mortgage – All You Need to Know
Equity release can be a viable strategy to pay off your mortgage, leveraging the value you've accrued in your property over time. Read on to understand more about this process, its benefits, and potential pitfalls.
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Equity Release or Remortgage – Complete Comparison
Equity release and remortgaging are two distinct methods for unlocking the capital tied up in your home, each catering to different circumstances and demographics. Read on for a comprehensive comparison to inform your decision...
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Alternatives to Equity Release – Complete Analysis
Alternatives to equity release exist and can provide financially savvy routes to accessing cash during retirement. Dive in to explore these options and determine the best fit for your financial situation.
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Selling Home to Pay for Care – What You Should Know
Selling your home to cover care home costs is not always necessary, as the UK offers several means of support like the Deferred Payment Agreement. Read on for more insights...
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Best Equity Release Rates for 2024
In 2022, the best equity release rates were considered to be anything between 2% and 6%. The best interest rate available to you will depend on factors such as your age and the type of equity release scheme you opt for. Let me walk you through your options...
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Shared Ownership Equity Release – Overview & More
Equity release can be used on a property with shared ownership. But, both homeowners must meet the eligibility requirements for equity release. Let me walk you through the process...
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How to Delete Your Very Account? 2024 Closing Guide
You can delete your Very account via the Very website, or through your email. Let me walk you through the process...
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Equity Release Companies To Avoid? Reviewed
You should avoid any equity release companies that are not regulated by the Financial Conduct Authority or members of the Equity Release Council. You may also want to avoid those that don't allow voluntary interest payments or have no downsizing clause. Let me explain...
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Equity Release Reviews
Equity release is a method of borrowing against the equity in your home. It is a popular borrowing method in the UK, but it does receive mixed reviews. Let me explain...
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Equity Release with an Existing Mortgage? Complete Guide
Yes, you can get equity release with an existing mortgage, albeit under certain conditions and often with the stipulation that part of the released equity goes towards settling the existing mortgage debt. Intrigued? Dive in to find out more.
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Equity Release to Help Children – Complete Guide
Yes, equity release can be a powerful tool to financially assist your children, whether to facilitate home ownership, support their education, or even start a business. Read on and let's delve into the details.
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Can I Get Equity Release with an IVA? FAQs & Tips
Yes, you can get equity release with an IVA, but it's complex and fraught with challenges that require careful consideration. Keep reading to navigate the maze of equity release and IVAs effectively.
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What Is 100% Equity Release? Overview & FAQs
100% equity release pertains to obtaining a loan equivalent to the total value of your property, typically through a lifetime mortgage or home reversion plan. Intrigued? Let's dive in.
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‘firstclear ltd ‘ on Bank Statement – Who Are They?
Firstclear Ltd is a financial provider that manages the payments made between your bank account and your betting account. Let me explain...
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Equity Release on Jointly Owned Property? Complete Guide
You can release equity on a jointly owned property. But, both owners must agree to do so. Let me walk you through the process...
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Can You Get Equity Release on a Leasehold Property?
Yes, you can get equity release on a leasehold property, provided certain criteria such as sufficient remaining lease term are met. Dive in to discover more.
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Equity Release with Repayment Option – What You Should Know
Yes, it is indeed possible to get equity release with a repayment option, allowing you to control the growth of the loan over time. Read on for an in-depth guide on this often overlooked aspect of equity release.
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Equity Release Companies – Best Options Reviewed
If you’re keen to understand more about equity release plans, you’ve come to the right place. Here, we’ll delve into the top 10 equity release companies of 2023. We’ll answer common queries like: We know that the world of equity release can feel a bit confusing. It’s a big decision to make, but don’t worry; […]
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Equity Release for Over 70s – Detailed Overview
Equity release for individuals over 70 allows homeowners to unlock a significant portion of their property's value without the obligation of monthly repayments. Dive into this article to understand the ins and outs of this financial tool for senior homeowners.
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Equity Release Schemes for Over 55s Reviews & In-depth Info
Equity release schemes offer individuals over 55 a route to accessing the wealth tied up in their homes without requiring regular repayments or a traditional home equity loan. Dive in to explore this financial option and see if it's the right fit for your retirement plans.
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How to Use The “Prove It” Letter Templates
Before paying a debt collection agency, you should ask for proof that you owe the debt. To do so, you can use my 'Prove It' letter template. Let me walk you through the process...
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What Is the Alternative to Equity Release if You’re Under 55? Guidance & more
If you're under 55, you cannot enter into any equity release programs. But, you can consider alternatives, such as second charge mortgages. Let me walk you through your options...
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How Much Does Equity Release Cost? Complete Analysis
The cost of equity release is a complex composition of the plan's fees, arrangement costs, and additional hidden charges, which can often be overlooked. Continue reading to uncover the full spectrum of equity release costs and make a more informed decision.
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Equity Release Solicitors Fees – How Much Will It Cost Me?
Equity release solicitor fees are usually around £1000 including VAT. However, prices will vary considerably depending on the law firm and your specific application. Let me walk you through your options...
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Can I Rent out My House with Equity Release? Property Laws
Once you've unlocked equity, you cannot rent out the property. This is because equity release programs are only available on properties that you live in full time. Let me explain...
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Best Way to Release Equity from Your House – Complete Guide
The best way to release equity from your house in the UK depends on your personal circumstances and the different options available to you, such as equity release schemes, second charge mortgages, or remortgaging. Dive in to understand more...
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Disadvantages of Equity Release – What You Should Know
Equity release schemes are popular in the UK, but there are some disadvantages. For instance, equity release schemes are expensive in the long term, and there are significant early repayment charges. Let me walk you through the details...
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Dangers of Equity Release – What You Need to Know
Equity release can provide financial flexibility in your later years, but it's not without risks, such as the potential for escalating debts and the impact on your estate's value. Read on to make an informed decision...
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Release Equity to Buy Second Property – Is It a Good Idea?
It is possible to release equity to buy a second property. But, whether it's a good idea or not will depend on a number of factors, including, but not limited to, your age, budget, and the type of equity release scheme you plan to use. Let me walk you through your options...
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Can You Repay Equity Release Early? Quick Answer
Yes, equity release can be repaid early, although it often involves substantial early repayment charges that could affect the financial viability of this option. To understand the full implications and possibilities, keep reading!
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Equity Release Rules – What You Need To Know
Equity release plans are only available to people over 55 years old. As a rule, you also must be releasing equity from your main residence with valuation of at least £75,000. Let me explain...
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Short Term Equity Release – Should You Do It?
Short-term equity release, although seemingly contradictory, may be possible under certain circumstances like an enhanced lifetime mortgage for those with a short prognosis. Curious? Let's dive in...
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Can you Remortgage a Buy to Let to Release Equity? Guide
You can remortgage a buy-to-let property in order to release equity. In fact, it is considered an effective method to access a large amount of money at a competitive interest rate. Let me walk you through the process...
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Interest Only Equity Release? All you Need to Know
Interest-only equity release, a specific type of lifetime mortgage, allows you to reduce the growing costs of your mortgage by making monthly interest payments while still living in your home. Intrigued? Let's dig deeper...
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What is Drawdown Equity Release? Overview, FAQs & Tips
Drawdown equity release refers to when the homeowner receives their home equity in installments, rather than in one large lump sum. But, to take out a drawdown equity release plan, you need to meet strict eligibility criteria. Let me walk you through the details...
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Equity Release Horror Stories – What to Avoid
Equity release plans allow senior homeowners to release tax-free cash from the value of their home. It is a popular borrowing method in the UK, but it can be costly. Let me explain...
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Equity Release Examples
Equity release schemes are available to older homeowners as a method of borrowing money against their home equity. There are a number of different equity release schemes, each with its own set of pros and cons. I'll walk you through them...
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Mis-Sold Equity Release Schemes – What you Should Know
There are a few tell-tale signs that indicate you are being mis-sold an equity release scheme. For example, if a creditor doesn't fully explain interest charges or discuss inheritance tax implications, you should avoid working with them. Let me explain...
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Equity Release Calculator – Work Out How Much
An equity release calculator is a helpful online tool designed to provide a projection of the costs associated with a lifetime mortgage over a specified period. Read on to explore its functionality and discover whether you should consider using one.
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Pros and Cons of Equity Release – Complete Analysis
Equity release offers a path for senior homeowners to access a tax-free lump sum or drawdown facility, although its benefits and drawbacks must be carefully considered. Dive in to discover more...
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Can I Sell My House if I Have Equity Release? Quick Answer
You can sell your house if you have equity release. But, if you want to downsize, you may have to repay some of your debt, which could trigger early repayment fees. Let me walk you through your options..
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Equity Release Council – Everything You Need to Know
The Equity Release Council is an industry body that ensures high standards in equity release products, assisting homeowners in navigating these often complex financial arrangements. Ready to find out more? Let's dive in...
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How Does Equity Release Affect Benefits? Complete Analysis
Taking out equity release may impact your eligibility for means-tested benefits. These include, but aren't limited to, pension credit, council tax reduction, universal credit. Let me explain...
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Equity Release or Downsize? Complete Comparison & FAQs
Choosing between equity release and downsizing can greatly impact the financial comfort of your retirement years. Dive in to explore your best option...
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Enhanced Equity Release – What You Should Know
Enhanced equity release refers to impaired or enhanced lifetime mortgages. These plans provide people with poor health the opportunity to take out more equity or pay a lower interest rate. To be eligible for an enhanced equity release plan, you need to meet strict eligibility criteria. Let me explain...
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Can You Get Equity Release on a Flat? – All You Need to Know
Yes, it is indeed possible to get equity release on a flat in the UK, whether it's freehold or leasehold. Keep reading to navigate the intricacies of equity release on flats and how it could work for you.
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Release Equity to Pay off Debt
Yes, it is indeed possible to release equity to pay off debt, turning a substantial portion of your home's value into cash for your immediate use. Stick around to discover the intricacies of this financial strategy.
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How Long Does Equity Release Take? Quick Answer
Equity release in the UK typically takes between 6 to 8 weeks from the start of the application process to the completion date, when funds land in your account. Read on for a comprehensive breakdown of the entire process...
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Equity Release and What Happens After Death – 2024 Rules
Once the debtor has died, the equity release loan will need to be repaid. Once the property has been sold, the creditor will take the money owed to them. Let me walk you through the process...
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Equity Release Interest Rates – What Are They? Guide, FAQs & More
Equity release interest rates vary, typically ranging between 4-8%, and they significantly impact the total cost of equity release over time. Dive in to understand more...
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Equity Release Inheritance Tax – What You Need To Know
Equity release can affect the inheritance tax on your estate by reducing its value, which might even lower the amount of tax owed. Keep reading to understand how.
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Do You Pay Tax on Equity Release? Quick Answer
In the UK, you do not have to pay any tax, including income tax or Capital Gains Tax, on equity release. Curious to know more? Let's dive in...
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PO Box 17 Stockport SK1 4AJ Debt Letter – Who is it?
PO Box 17 Stockport, SK1 4AJ is an address used by Moorcroft Debt Recovery, a legitimate debt recovery agency. You shouldn't ignore correspondence Moorcroft Debt Recovery. Let me walk you through your options...
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Short-Term Secured Loans – Overview, Tips & best Options
Short-term secured loans provide an appealing alternative for those seeking lower-interest credit over a shorter period, secured against their assets. Read on to gain a comprehensive understanding and to explore the best options available.
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The best Secured Loan Direct Lenders
The best secured loan direct lenders tend to be UK banks, such as, but not limited to, HSBC, Santander, and Halifax. But, the most appropriate loan for you will depend on your personal finances and credit score. Let me walk you through your options...
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Secured Loans – 2024 Comparison
Secured loans, when compared thoughtfully, can offer the potential for lower rates and manageable repayments, making them a viable financial strategy for some. Let me walk you through the options...
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Cheap Secured Loans – Best Options, Tips & More
Finding the best cheap secured loans in the UK involves understanding their function, how to manage the associated risks, and where to locate the most affordable deals. Let me walk you through it...
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Secured Loan Brokers – Complete Review
A secured loan broker is a professional or entity that aids in securing a loan by analysing your credit needs and exploring the market to find the best secured loan options. Intrigued? Let's delve deeper...
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Best Secured Loans – Complete Comparison
The best secured loans can be found through comprehensive comparison, understanding your personal financial situation, and getting familiar with the market dynamics. Let me walk you through it...
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Best Second Mortgage Rates in 2024
Second charge mortgage interest rates can vary from 2% to 20%. To get the best rate, you should be able to prove that the loan is affordable, and have an excellent credit rating. Let me walk you through your options...
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Second Charge Mortgage Calculator UK
A second charge mortgage allows you to borrow money against your home equity whilst leaving your first mortgage alone. If you're interested in taking out a second charge mortgage, you can use an online calculator to estimate your monthly repayments. To do so, you will need to know how much you want to borrow, your home equity, and how long you need to repay the loan. Let me illustrate...
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Can You Get a Second Mortgage After Bankruptcy?
Yes, you can secure a second mortgage after bankruptcy in the UK, although it is subject to certain conditions and timeframes. Keep reading to unpack the details...
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Second Charge Mortgage Buy-to-let – All You Need To Know
It is possible to take out a second charge mortgage on a buy-to-let property. But, calculating the affordability of this borrowing method is difficult because the amount that you can borrow heavily depends on your rental yield. Let me walk you through it...
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Second Charge Mortgage Debt Consolidation – Guide
Second charge mortgage debt consolidation is a strategy that involves using a second mortgage on your home to consolidate and repay your existing debts. Intrigued? Let's dive in...
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Second Mortgage Tax Benefits – Complete Guide
As of April 2020, landlords are no longer able to claim mortgage interest payments as tax-deductible on buy-to-let properties. But, thanks to the Landlord Mortgage Interest Tax Relief initiative, there are still some tax benefits associated with having a second mortgage. Let me explain...
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How to Get out Of a Secured Loan – Step-by-Step guide
There are a several different ways you can get out of a secured loan. For example, you could sell your asset, or consider a debt consolidation loan. Let me walk you through your options...
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Secured Debt – 2024 guide, FAQs & More
Secured debt consolidation loans offer a potential solution for managing and reducing your debt repayments. Let me explain...
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Secured Loans In Northern Ireland – Complete Analysis
Secured loans in Northern Ireland provide locals with a means to fund holidays, cars, and home improvements, using their assets as collateral. Read on to understand the ins and outs of secured loans in this comprehensive analysis.
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Secured Loans advice, Tips, Ticks & FAQs
Secured loans, which use your assets as collateral, can be a viable financial solution, but understanding them thoroughly is crucial to avoid potential pitfalls. Let's delve into the ins and outs together.
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Can a Secured Loan be Written Off? In-depth Guide & FAQs
Technically, a secured loan can be written off. However, it can only be written off by the lender, and it is unlikely that they will do so. Instead, you should consider another debt solution, such as debt consolidation. Let me walk you through your options...
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What Happens if You Default on a Secured Loan?
Defaulting on a secured loan could lead to your lender repossessing the asset used as collateral and selling it to recover the loan amount. Let's delve deeper into this.
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Fixed Rate Secured Loans – Complete Analysis
Fixed-rate secured loans offer borrowers peace of mind by locking in the interest rate, ensuring consistent repayment amounts. Let me go through why they could be a suitable financial solution for you...
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Secured Loans Online – All You Need to Know & best Options
Secured loans online offer a convenient way to borrow large sums of money, using your assets such as your home as collateral. Read on, and we'll dive into all the details you need to understand before taking the plunge.
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Loans Secured on Property – How to & best Options
Yes, you can indeed secure loans on property, offering you a variety of financial options to choose from. Let me walk you through the process...
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Secured Loans for People With Bad Credit
Secured loans are indeed a viable option for individuals with bad credit, offering a financial lifeline by leveraging an owned asset as collateral. Let me walk you through it...
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Secured Personal Loan – All You Need to Know & best Options
A secured personal loan provides the opportunity to access a larger credit amount, utilising an asset as collateral. Dive in to understand more…
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Fast Secured Loan – Complete Review
Fast secured loans can expedite your application process and possibly save you money, particularly when consolidating high-interest debts or capitalizing on time-sensitive deals. Let me explain...
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How Long Does it Take to Get a Secured Loan? Quick Answer
Securing a loan typically takes between two to four weeks, depending on factors such as your paperwork and the need for asset revaluation. Let me explain the process and implications...
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How to Get a Secured Loan – Step-by-Step guide
Getting a secured loan in the UK involves using an asset as collateral, providing the lender with an assurance that reduces your lending risk. Let me explain the process and potential pitfalls...
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The Difference Between Secured and Unsecured Loan
The difference between secured and unsecured loans lies primarily in the fact that secured loans involve assets as collateral, while unsecured loans do not. Let me walk you through it...
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Secured Loan Calculator – All You Need to Know
A secured loan calculator is a valuable tool to help you estimate your repayments and compare various loan options. Let me walk you through it...
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Getting a Second Mortgage – Pros & Cons, Tips & Tricks
Securing a second mortgage is a complex process that can provide substantial credit, though it also entails notable risks. Curious about the ins and outs? Dive in.
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Homeowner Loan Direct Lenders – Complete Review
Homeowner loans provided by direct lenders are financial products that allow homeowners to leverage their home equity to secure a loan. Dive in to learn more about these loans, and how to wisely choose your lender.
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Second Charge Mortgage for People with Bad Credit
Yes, it is possible to secure a second charge mortgage even with bad credit, given that certain criteria are met. Let me explain more about this possibility...
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Homeowner Loans – Comparison Support, Tips & More
Comparing homeowner loans is simplified and clarified in this comprehensive guide, illuminating all essential aspects from defining what they are to detailing how to effectively evaluate them. Continue reading to transform your understanding and make an informed decision about homeowner loans.
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Government Home Improvement Loans – Are They Legitimate?
Government home improvement loans are available through local authorities and are usually interest-free. But, the type of loan available to you will depend on your circumstances and your home improvement plans. Let me walk you through your options...
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How to Apply for a Second Mortgage Online? Guide
Applying for a second mortgage online can be a straightforward process, made simpler through understanding the ins and outs of second charge mortgages. Dive in to find out more…
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Second Mortgage for Home Improvement? Allowed?
You are allowed to use a second charge mortgage for home improvement. But, it's not the only way to fund home improvements. For example, you could refinance your existing mortgage or take out a home improvement loan. Let me walk you through your options...
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Can I Get a Second Mortgage? Here Are The Rules
You can apply for a second mortgage as long as you are eligible. The rules will depend on whether you opt for a second charge mortgage or a residential mortgage. Let me explain...
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Default on your Second Mortgage – What’s The Risk?
Defaulting on your second mortgage exposes you to several risks, including detrimental impacts on your credit score and potentially losing your home. Read on to understand these risks better and learn how to navigate them.
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How Much Can I Borrow for a Second Mortgage in 2024?
Second Charge Mortgage providers usually cap the amount of equity that you can borrow against at 85%. But, there are some exceptions. Let me walk you through your options...
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Second Mortgage to Pay Off Debt – A Complete Guide
Yes, you can use a second mortgage to pay off debt as part of a debt consolidation process, helping to simplify repayments and potentially reduce interest. Discover how in this comprehensive guide...
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Home Equity Loan vs Second Mortgage – Full Comparison
Home equity loans and second charge mortgages offer two practical methods of leveraging the equity built up in your home for substantial lump-sum borrowing. Stay with us to learn more…
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How to Release Equity for Home Improvements?
To release equity for home improvements, you could remortgage, use a home equity line of credit, or take out a secured loan. Let me walk you through your options...
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Personal Loan for Home Improvement – In-depth Guide
A personal loan can be a viable way to finance your home improvement projects, depending on your eligibility and personal circumstances. Let's dive deeper into this topic to find the best fit for you.
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Second Mortgage Example – A Simple guide with FAQs
A second mortgage, also known as a second charge mortgage, is an additional loan taken out on a property with the first mortgage still active; it is secured with the property's equity rather than the property itself. Dive in to learn more about this financial tool and understand it better with an easy-to-follow example.
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What Is the Difference Between a First and Second Mortgage?
The difference between a first and second mortgage primarily lies in what these loans are secured against: the first against the property itself, the second against home equity. Read on for a clearer picture...
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How do Soft Second Mortgages Work? Complete Guide
A soft second mortgage is a type of loan designed to cover the downpayment or closing costs of a property, with repayments deferred until a later date. Curious? Dive in to learn more…
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Second Mortgage Pros and Cons – Complete Analysis
A second mortgage offers potential benefits like access to substantial credit but carries risks including higher interest rates and the possible loss of your home. Let's delve into this...
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Can a Second Mortgage Be Refinanced? Complete Guide
Yes, a second mortgage can indeed be refinanced, potentially offering you more favourable terms or access to greater home equity. Keep reading to explore the ins and outs of this process.
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Home Improvement Loans vs Home Equity Loans – Comparison
Choosing between home improvement loans and home equity loans boils down to understanding your financial situation, renovation needs, and each loan's terms and conditions. Read on, and let's navigate this together.
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Home Improvement Loans – Full Review and Comparison
Comparing home improvement loans can be simplified through understanding the various types available, their interest rates, and by comparing your options in detail. Dive in to find out more…
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Home Improvement Loans for People With Bad Credit
Yes, home improvement loans for people with bad credit do exist, providing a financial boost to enhance your living space even if your credit history is less than perfect. Curious about the process? Dive in to find out more!
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Home Improvement Loan Calculator – Find Out How Much
The best loan for home improvements is typically a home improvement loan, and our home improvement loan calculator helps you understand your monthly repayments for such loans with simplicity and ease. Keep reading to find out more about the merits and limitations of these calculators.
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Best Home Improvement Loans – Complete Review 2024
The best home improvement loans offer competitive rates and flexible terms to help you finance your renovation projects. Keep reading to explore your options.
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Apply for Home Improvement Loan – Complete Guide
Applying for a home improvement loan involves understanding what these loans are, how they work, and the best way to approach the application process. Discover more in this comprehensive guide!
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Home Equity Loan Comparison – Full Breakdown, Tips & More
Comparing home equity loans effectively requires a clear understanding of interest rates, repayment periods, loan to value ratios, minimum loan amounts, and potential closing costs. Dive in to find out more...
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Guaranteed Home Equity Loans – Complete Review & FAQs
Guaranteed home equity loans are indeed a myth; having substantial home equity doesn't automatically secure a home equity loan, as other individual financial factors come into play. Dive in to discover more about these loans and tips to enhance your chances of approval.
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Home Improvement Financing – What you Need Know
Home improvement financing can take many forms, from loans specifically designed for renovations to remortgaging or utilising credit cards, and it provides the means to reinvent your living space at your own pace. Dive in to explore more about these options and make your dream home a reality.
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Home Equity Loan to Pay Off Debt – Complete Guide
Using a home equity loan to pay off your debt can be a smart and effective way to manage your existing financial commitments. Ready to find out how? Let's dive in...
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Lowest Rates for Home Equity Loans – Complete Analysis
The lowest rates for home equity loans are typically around 2%, but this can vary depending on personal circumstances and credit scores. Read on to fully understand the complexities and save money on your loan!
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Home Equity Loans for Seniors – Complete Review & Analysis
Home equity loans provide a viable option for seniors in the UK, offering a means to leverage their property equity for financial needs or goals. Read on as we delve deep into this intricate topic, demystifying its complexities and outlining your potential choices.
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Interest Only Home Equity Loan – Complete Overview
Interest-only home equity loans, also known as interest-only mortgages, offer a way to borrow against your home equity and only pay back the loan's interest, not the principal. Read on to uncover the finer details…
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Can I Get a Home Improvement Loan without Equity?
Yes, you can secure a home improvement loan even without any equity in your home, opening doors to enhance your property without hefty initial investments. Intrigued? Read on to learn how it works.
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Can I Use a Home Equity Loan to Pay Off a Mortgage?
You can use a Home Equity Loan to pay off a mortgage. But, there are some extra costs associated with this method. Let me explain...
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Home Equity Loan Pros and Cons
Are you considering a home equity loan but unsure about the advantages and disadvantages? Discover the pros and cons right here!
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Avoid Pitfalls When Getting Home Equity Loans
Navigating the terrain of home equity loans requires careful consideration, given the significant benefits and potential pitfalls. Discover more in this article...
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Home Equity Loan vs Personal Loan – Complete Comparison
Choosing between a home equity loan and a personal loan hinges on your personal circumstances, credit score, and financial needs. Dive in to discover the best choice for you.
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How Much can You Borrow on a Home Equity Loan?
Most Home Equity Loan provides allow you to borrow a maximum of 85% of your equity. However, this will vary depending on the lender and your personal circumstances. Let me walk you through your options...
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Can I Use a Home Equity Loan to Buy Another House?
You can use a Home Equity Loan to buy another house. But, you will need to prove that you can still repay the initial home equity loan, in addition to the second home mortgage. Let me walk you through the process...
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Freeing up Equity in Your Home – Step-by-Step Guide
Equity in your home can be unlocked through various methods, such as home equity loans, remortgaging, or using a lifetime mortgage. Delve in to discover how.
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Can You Get a Home Equity Loan with No Mortgage?
It is possible to get a home equity loan with no mortgage if you are a homeowner. But, you will still need to be eligible according to a strict set of criteria. Let me explain...
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Home Equity Loan Companies UK – How to Get Credit
You can get a home equity loan from banks, building societies, and financial institutions operating online only. It's important that you only consider businesses that are regulated by the Financial Conduct Authority. Let me walk you through your options...
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Home Equity Loan Calculators – Work Out How Much
Home equity loan calculators help you to work out what your monthly payment might look like, considering how much you want to borrow, and how long you need to repay it. Let me walk you through the process...
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How Much Does a Home Equity Loan Cost? Analysis & FAQs
A home equity loan cost is more complex than simply assessing the interest rate, as it also encompasses other fees and closing costs. Join us in this comprehensive guide to get a complete understanding of all the costs involved.
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Fixed Rate Home Equity Loan – Is it Right for You?
A fixed rate home equity loan might be the right option for you if you're seeking substantial credit at potentially lower interest rates and are comfortable with leveraging the equity in your home. Curious? Read on to learn more.
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Home Equity Loan Interest Rates – Complete Analysis
Home equity loans tend to have an interest rate of between 2% and 9.9%. However, this will vary significantly depending on your loan to value ratio, credit score, and your chosen lender. Let me explain...
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‘eui ltd prem tr’ Bank Statement – Who Are They?
EUI Ltd – Prem TR is a debt recovery team. If you see EUI Ltd – Prem TR on your bank statement, it's likely that you owe EUI Ltd, or one of their customers. Let me walk you through your options...
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Debt Consolidation Loan with No Credit Check
Obtaining a debt consolidation loan without a credit check is a daunting task, given that most lenders rely heavily on credit checks to assess the risk involved. Dive in to explore your options…
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Debt Consolidation Loans for Bad Credit UK – 2024 Review
Debt consolidation loans are an effective solution for individuals with bad credit in the UK, offering a chance to streamline and manage your existing debts. Read on to discover your options and how to navigate this process.
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How Do I Qualify for a Debt Consolidation Loan
The path to managing your debts can seem long and winding. But, a debt consolidation loan might be the tool you need to bring all your debts together, making it simpler to tackle your money worries. Qualifying for one, however, requires understanding certain factors. This guide aims to illuminate these for you. In this article, […]
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Unsecured Debt Consolidation Loans for Bad Credit
Unsecured debt consolidation loans for bad credit are viable financial solutions designed to streamline and manage multiple debts. Keep reading to explore your options and navigate this often complex landscape.
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Finding the Best Debt Consolidation Loans in the UK
We’re here to discuss the best debt consolidation loans in the UK right now. We’ll provide a short crash course on everything to do with debt consolidation loans before revealing some of your options. If you want to combine your debts into single monthly repayments, you’re reading the right guide. Scroll down to reveal some […]
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What Happens to Tax Debt After Death?
After death, HMRC will collect any tax debt from the deceased's estate. However, there are a few notable exceptions. Let me explain...
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Debt Consolidation and Impact to Your Credit Score
Debt consolidation can both positively and negatively impact your credit score, contingent on how you manage your finances post-consolidation. Dive in to understand why...
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What are the Pros and Cons of Debt Consolidation
Debt consolidation is the process of combining multiple debts into one. It is a popular method of debt management method in the UK, but it isn't right for everyone. Let me walk you through the pros and cons...
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How to Do Debt Consolidation by Yourself? Step-by-Step Guide
Debt consolidation can be achieved independently without the need for paid financial services, by combining your debts into a single repayment, typically with better interest rates. Intrigued? Let's delve deeper...
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How does Debt Consolidation Work? In-depth Guide
Debt consolidation works by merging multiple credit sources into one new loan, making repayment easier to manage and potentially reducing interest rates. Let's delve deeper...
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Debt Consolidation Loans with No Guarantor – Top Options
Most debt consolidation loan providers don't require a guarantor. But, if you have bad credit, your options will be very limited. Let me walk you through your options...
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Remortgage for Debt Consolidation – Everything You Need To Know
Yes, you can consolidate debts by remortgaging, a process which involves releasing equity in your home to pay off other debts. Ready to learn more? Dive in!
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Debt Consolidation Mortgage Providers – Complete Review
Debt consolidation mortgages offer a viable option for homeowners to manage their multiple debts, by utilizing the equity in their homes. Dive in to find out more about this complex financial tool and whether it's right for you.
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The Debt Resolution Service Reviews & In-depth Info
The Debt Resolution Service provides advice on a range of debt solutions, including, but not limited to, debt management plans, Debt Relief Orders, and Individual Voluntary Arrangements. I’ll talk you through their services in detail.
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Difference Between Debt Management and Debt Consolidation
Debt management and debt consolidation differ in that the former involves a flexible, non-binding plan to repay creditors, while the latter simplifies repayments by merging multiple debts into one. Intrigued? Dive in to learn more...
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Debt Consolidation vs Debt Settlement – Full Comparison
Debt consolidation vs debt settlement – how different are they, and which one should you choose? I explain the differences between these two debt management strategies, providing clarity so you know which one is more suitable for your situation. As always, if you need further help and support dealing with problem debt, speak with one […]
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How Far Back Can Tax Credits Claim Overpayments?
It is unlikely that HMRC will stop chasing you for tax credits overpayments. But, you can dispute the overpayments. Let me walk you through the process...
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Taking Control of Goods Fees Regulations 2014 – Laws
The Taking Control of Goods (Fees) Regulations 2014 outlines the set fees that a bailiff can charge while enforcing debt repayments. Let's delve deeper...
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Can Councils Backdate Council Tax? How Far Can They Go?
In England and Wales, councils generally backdate tax for up to six years. In Scotland, councils may backdate tax for up to 20 years. But, there are some notable exceptions to these rules. Let me explain...
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Council Tax Summons Procedure – Step by Step
The council tax summons procedure is strict. Before being summoned to court, you should receive three letters from your local authority, asking that you pay your debt. If you don't respond, a liability order could be issued against you. If you continue to ignore your debt, further enforcement action will be taken. Let me walk you through your options...
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Paying Council Tax Late – What Are The Consequences?
If you pay your council tax late, you can face a series of consequences including reminders, court actions, and ultimately, potential prison time. Keep reading to fully understand the process and prevent unwanted repercussions.
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How Long Can a Council Tax Debt Last? – Overview & FAQs
A Council Tax debt in the UK can persist for up to six years in England and Wales, and up to 20 years in Scotland, before becoming unenforceable by law. Read on, let's delve deeper...
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How to Avoid Council Tax?
Some people can avoid paying council tax. For example, college and university students are often exempt. But, if you are exempt, you will need to submit evidence to the council. Let me walk you through the process...
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Can’t Afford Council Tax – Here’s What You Can Do
If you find yourself unable to afford your council tax, options such as restructuring your payments, applying for a council tax reduction, or even certain exemptions could provide relief. Keep reading to learn more…
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08001615204 – Who Called? Stop Barclaycard Debt
The number 08001615204 belongs to Barclaycard, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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03450020192 – Who Called? Stop Arvato Debt
The number 03450020192 belongs to Arvato, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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03445560212 – Who Called? Stop Cabot Debt
The number 03445560212 belongs to Cabot, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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03445439169 – Who Called? Stop LCS Debt
The number 03445439169 belongs to LCS, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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03335565838 – Who Called? Stop Lowell Debt
The number 03335565838 belongs to Lowell, a debt collection company. They may be calling to collect a payment or to gather more information. Let me guide you through your options...
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03335565564 – Who Called? Stop Lowell Debt
The number 03335565564 belongs to Lowell, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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03331214454 – Who Called? Stop Mortimer Debt
The number 03331214454 belongs to Mortimer, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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Council Rent Arrears – Detailed Guide, FAQs & Tips
If you are in council rent arrears, your local authority will contact you and request that you pay what you owe. If you ignore these notices, you could end up being evicted. Let me walk you through your options...
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Council Tax Arrears Debt – What Are Your Options?
Council tax arrears can be managed through various options such as negotiation, repayment plans, and in some cases, may even be written off. Keep reading for a comprehensive guide on your options for dealing with this type of debt.
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How to Stop Council Tax Bailiffs
Council tax bailiffs can be stopped by clearing your debt promptly or agreeing on a feasible repayment plan before an enforcement agent intervenes. Dive in to discover more...
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02920858773 – Who Called? Stop Link Financial Debt
The number 02920858773 belongs to Link Financial, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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02086654953 – Who Called? Stop CCS Collect Debt
The number 02086654953 belongs to CCS Collect, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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01789405056 – Who Called? Stop Zinc Debt
The number 01789405056 belongs to Zinc, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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01782971403 – Who Called? Stop Advantis Debt
The number 01782971403 belongs to Advantis, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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01782971402 – Who Called? Stop Advantis Debt
The number 01782971402 belongs to Advantis, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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Can you get a CCJ for Council Tax?
You cannot get a CCJ for council tax. But, you can be issued a Liability Order. Let me walk you through your options...
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Council Tax and Prison – Risks, FAQs and Tips
You can be sent to prison for up to 90 days if you refuse to pay council tax debt. But, this is usually a last resort. Let me walk you through the process...
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01412128500 – Who Called? Stop Resolvecall Debt
The number 01412128500 belongs to Resolvecall, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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01133508520 – Who Called? Stop IMFS Debt
The number 01133508520 belongs to IMFS, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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01246488923 – Who Called? Stop UKSL Debt
The number 01246488923 belongs to UKSL, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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Council Tax Arrears Scotland – What You Can Do
If you have council tax arrears in Scotland, you should contact your local authority as soon as possible to discuss your options. You may eligible for a council tax exemption or allowed to pay in smaller installments. Let me walk you through the process...
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Attachment of Earnings for Council Tax – Guide
An Attachment of Earnings for Council Tax is a method applied by local authorities to enforce debt recovery by deducting a certain percentage of the debtor's wage until the full debt is paid off. Intrigued? Read on...
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How Long Can Someone Stay Without Paying Council Tax?
If you pay a reduced rate of council tax because you live alone, the reduced rate will no longer apply when someone moves in. But, there are some exceptions. Let me explain...
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Payment Break Plan – In-depth Guide, Tips & More
A payment break plan is an arrangement that allows you to temporarily pause repayments to your creditors during times of financial hardship. Dive in to discover more about this crucial financial lifeline.
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Liability Order Council Tax – What is it and What to do?
A Liability Order provides the council with the power to collect council tax debt in a number of different ways, including using enforcement agents or a charging order. Let me walk you through your options...
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Freeze Credit Card Interest – Simple Guide & FAQs
You may be able to freeze your credit card interest if you are experiencing financial hardship. But, you will need to provide your creditor with convincing evidence and potentially agree to a repayment plan. Let me walk you through the process...
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How to Check if I Have a CCJ for free
You can check if you have a CCJ for free by getting a copy of your credit report. You could also use the CCJ register, but this process is a bit more complicated. Let me explain...
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Setting Aside a CCJ – Simple guide, FAQs, Tips & More
You can apply for your CCJ to be set aside by completing an N244 form. However, you need a very good reason for your application to be successful. Let me walk you through your options...
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Payment Freeze – Detailed guide, FAQs, Tips & More
A payment freeze is a viable option when debt payments become unmanageable, providing temporary relief by pausing payments and sometimes interest on your account. Read on to learn more about how it works, its potential benefits, and how to negotiate one with your creditors.
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I Can’t Afford to Live on My Wages – Guidance & Tips
If you cannot afford to live on your wages in the UK, you should contact your local council and energy suppliers to negotiate lower bills. You could also use food banks and get free financial advice from charities. Let me walk you through your options...
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Prepayment Electric Meter Debt – 2024 Tricks
To pay a prepayment electric meter debt, you simply top up your prepaid card and slot it into the meter. A proportion of the balance will go towards repaying your debt. If you can’t pay, contact your provider to come to a repayment agreement. I’ll walk you through the process…
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Lost My Job, Need Money to Pay Bills – In-depth Guide
If you've lost your job and need money to pay your bills, you should apply for Universal Credit immediately. You also may be able to get a council tax reduction or a mortgage break. Let me walk you through your options...
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Is PIP Classed as Income? UK Tax Laws
PIP is a type of income, but it is not taxable. You do not need to pay tax on any PIP you receive. Let me explain...
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What Is an Administration Order? Detailed Overview
An Administration Order is a legally sanctioned debt solution overseen by a county or high court that allows the debtor to repay creditors over a designated period. Interested in learning more? Dive in!
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What Happens if You Don’t Pay Your Water Bill?
If you don't pay your water bill, legal action could be taken against you. But, this is usually a last resort. Let me walk you through your options...
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Attachment of Earnings Contact Number – Phone Number
If you need to talk to someone about your Attachment of Earnings, you can contact Citizens Advice online or call them on 0800 240 4420.
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Direct Earning Attachment (DEA) Impacts & Guide
A Direct Earnings Attachment (DEA) is used to recover tax credit and benefit overpayments directly from your wages. If you are experiencing financial hardship, you can ask for a reduced fixed rate. Let me walk you through your options...
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Earnings Arrestment – Analysis , FAQs & More
An earnings arrestment order in Scotland is a court-issued directive that allows creditors to recover unpaid debts by making deductions from a debtor's net earnings. Dive in to learn more about this process and how it could impact you.
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How Long Does an Attachment of Earnings Order Last?
An Attachment of Earnings Order will last until the debt has been repaid in full. But, you can stop an Attachment of Earnings Order if it is causing financial hardship. Let me explain...
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Attachment of Earnings Rates
Your Attachment of Earnings rate will depend on your take-home pay and disposable income. Let me explain...
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What Happens if You Don’t Pay a Small Claims Judgement?
If you ignore a small claims judgement, further enforcement action could be taken. For example, bailiffs could seize your goods. But, it is possible to appeal a small claims judgement. Let me walk you through your options...
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How to Stop a Deduction of Earnings Order
You can stop a Deductions of Earnings Order if you come to a different repayment arrangement or if it isn't working in the way that it should be. To stop the order you will need to contact CMS and state your case. Let me walk you through the process...
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What Is a Charging Order? – Simple Guide, Tips & More
A charging order is a legal order that a creditor can apply for, securing the value of your debt against your property, requiring repayment from any future property sale. Let's delve deeper.
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How to Get out of Car Finance – Step by Step Guide
Getting out of car finance is possible through voluntary termination or by making an early settlement offer. Let's explore further...
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Being Evicted for Rent Arrears – Detailed Guide & FAQs
Being evicted for rent arrears involves a lengthy, complex process, starting with a section 8 notice and potentially leading to a possession order. Discover the details below…
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What Is a CCA? – Simple Guide, FAQs & Tips
The CCA (Consumer Credit Act) works to protect the rights of customers who take out any kind of credit. You can request a copy of your CCA agreement at any time. If your creditors don't provide the agreement, your debt may not be enforceable. Let me explain...
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Car Finance Payment Break – Simple Guide, FAQs & More
You may be able to take a car financing payment break if you are experiencing short-term financial difficulty. To apply, you will need to discuss your situation with the creditor directly. Let me walk you through the process...
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Can I Sell a Car on Finance? – 2024 Complete Guide
You cannot sell your car on finance. If you do so, you could face serious legal action. Let me walk you through your options...
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Notice of Default – Simple Guide, FAQs, Tips & More
A Notice of Default is a formal communication from your creditor, indicating that you've fallen behind on repayments and your account may default soon. Keep reading to learn more...
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Car Repossession in the UK – Complete Guide
You could face car repossession in the UK if you default on your repayments. But, this is a last resort. Let me walk you through the process...
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What Does Adverse Credit Mean? Quick Answer
Adverse credit means that you have repeatedly failed to meet repayments on credit cards or loans. Adverse credit will remain on your credit report for 6 years. But, there are ways to improve your score in the meantime. Let me walk you through your options...
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Notice of Sums in Arrears (NOSIA) All You Need To Know
A Notice of Sums in Arrears is a letter from your loan provider to let you know that you have missed at least two repayments and a sum is now due. If you receive a NOSIA, you should consider a debt solution. Let me walk you through your options...
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Does Overdraft Affect Credit Score? – Simple Guide
If you use an unarranged overdraft, it will negatively affect your credit score. But, if you use an arranged overdraft sensibly, you could end up increasing your credit score. Let me explain...
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How to Get a Default Removed from your Credit File?
A Default can be removed from your credit file if sufficient time has passed or an error has occurred. Let me explain...
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What Does Undischarged Bankrupt Mean? Quick Answer
Being an undischarged bankrupt refers to the ongoing period of bankruptcy, where the individual is still required to comply with certain restrictions and has not yet been freed from their debts. Interested in learning more? Keep reading!
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If I Go Bankrupt, What Happens to My Wages?
If you go bankrupt, your wages will be affected. If you have more than £20 disposable income each month from your wages, you may be asked to make payments towards your debt under an Income Payments Agreement (IPA). Let me walk you through the process...
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Bankruptcy Student Loans – Are They Included?
Student loans aren't included in bankruptcy. But, you could get your student debt written off using other methods. Let me walk you through your options...
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Going Bankrupt with No Assets UK – 2024 Guide to Bankruptcies
It is possible to go bankrupt with no assets. However, you will need to pay to apply and this can be costly. Let me walk you through your options...
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What is the County Court Business Centre? Quick Answer
The County Court Business Centre is the central point for county courts across England and Wales. It handles administrative processes and claims, including appeals. Let me explain...
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Who Can Enter Your Home without Permission?
People with 'Power of Entry' are allowed to enter your home without permission. Such people include police officers, fire service workers, ambulance workers, some enforcement agents, and local authority trading standards officers. But, they can only enter your home in specific circumstances. Let me explain...
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Bailiffs and Mental Health – All You Need To Know
If you have mental health problems, a bailiff is required to follow certain guidelines. For example, they cannot visit your house when you are home alone. But, you have to notify the enforcement agency of your mental health problem as soon as possible. Let me walk you through the process...
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High Court Enforcement – Detailed Overview & FAQs
The High Court is responsible for enforcing debts that are over £600 or those that aren't included in the Consumer Credit Act 1974. Creditors can also pay the High Court to enforce debt. Let me explain...
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County Court Bailiff Warrant of Possession – Quick Summary
A County Court Bailiff Warrant of Possession allows a landlord to evict a tenant from their property. The landlord must apply to the court for a possession order. Let me explain the process...
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County Courts Act 1984 Section 69 – What You Need to Know
Section 69 of the County Courts Act 1984 states that a claimant can ask for the debtor to pay interest on the money they failed to repay. Let me explain...
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Do Bailiffs Need a Court Order? – In-Depth Guide, FAQs, Tips & More
Bailiffs do need a court order to collect debt. You should be given seven days warning before a bailiff arrives to collect your debt. Let me walk you through the process...
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County Court Bailiff Fees
County Court Bailiffs follow a 3-step process to recover debt. First, they provide a Notice of Enforcement. This has a £75 fee. Next, they will come to your address. This costs at least £235 in fees. Finally, the bailiff will seize goods. This costs at least £110 in fees. Let me explain in more detail...
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Will a Satisfied CCJ Affect My Credit? Pay Off Debt?
A satisfied CCJ will stay on your credit report for six years if you didn't pay within one month. However, lenders will be able to see that you have paid the CCJ in full. Let me explain...
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Does a Warrant Need to Be Signed? 2024 Court Laws
Before collecting your debt, a bailiff has to show you a signed and dated warrant. They may also show you a High Court Writ instead. Let me walk you through the process...
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01622528543 – Who Called? Stop STA International Debt
The number 01622528543 belongs to STA International, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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03335565566 – Who Called? Stop Cabot Financial Debt
The number 01622528543 belongs to Cabot Financial, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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01732280944 – Who Called? Stop Cabot Financial Debt
The number 01732280944 belongs to Cabot Financial, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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03335565847 – Who Called? Stop Lowell Financial Debt
The number 03335565847 belongs to Lowell Financial, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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01413750900 – Who Called? Stop BPO Debt
The number 01413750900 belongs to BPO, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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01619687065 – Who Called? Stop Moorcroft Debt
The number 01619687065 belongs to Lowell Financial, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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03445560225- Who Called? Stop Cabot Financial Debt
The number 03445560225 belongs to Cabot Financial, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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03335565570 – Who Called? Stop Lowell Financial Debt
The number 03335565570 belongs to Lowell Financial, a debt collection company. They may be calling to collect a payment or to gather more information. Let me guide you through your options...
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03445560216 – Who Called? Stop Cabot Financial Debt
The number 03445560216 belongs to Cabot Financial, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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03335565835 – Who Called? Stop Lowell Financial Debt
The number 03335565835 belongs to Lowell Financial, a debt collection company. They may be calling to collect a payment, to gather more information, or to intimidate you. Let me guide you through your options...
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Hold Action Debt Management Plan – Sample Letter Template
A Hold Action Debt Management Plan letter can effectively inform your creditors about your plan to switch DMP providers, potentially causing a delay in your repayments. Keep reading to discover how…
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Renegotiate with your Energy Supplier – Letter Template
You can renegotiate your energy debt repayment plan with your supplier using our comprehensive letter template, easing your financial burden. Dive in to discover how.
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Write off After Death – Sample Letter Template for Creditors
It may be possible to write off someone's debt after their death. To do so, a letter that explains why debt write off is appropriate must be sent to the creditor. Let me illustrate...
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Write Off the Debt – Sample Letter Template Example
To write off debt, you need to first send your creditors a letter. It needs to detail any financial hardship you are experiencing, and why you believe writing off your debt is the most appropriate way forward. Let me illustrate...
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Write Off the Debt (Second Request) Sample Letter Template
Using a second request letter may convince your creditor to reconsider their initial decision and write off your debt. Dive in to discover how.
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Ask Energy Supplier to Accept Affordable Payments – Letter
Affordable repayments for your energy debts can be negotiated with your supplier using our free, easily customisable letter template. Discover how below...
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Cancel your Debt Management plan – Sample Letter Template
Cancelling your Debt Management Plan (DMP) can be easily done with the correct guidance and a well-structured letter. Let's dive in...
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Creditors Asking for Payment After Debt Relief Order Letter
Creditors should not be pursuing you for payments after the approval of your Debt Relief Order (DRO), and we have a free letter template to help you ensure they don't. Keep reading, there's a lot to gain.
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Hold Action While You Apply for a Debt Relief Order – Letter
When applying for a Debt Relief Order (DRO), you can request your creditors to temporarily halt action with the help of our downloadable letter template. Keep reading, it's simpler than you think...
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Stay of Execution in the High Court – Sample Letter Template
A stay of execution in the high court can be requested using a specific letter template, which we provide for free in this post. Let's dive in...
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Freeze Interest on Credit Cards – Sample Letter Template
You may be able to freeze your credit card interest if you are experiencing financial hardship. But, you will need to write a letter to your creditor and provide convincing evidence. Let me illustrate...
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Full and Final Settlement Offer – Sample Letter Template
To make a Full and Final Settlement offer, you need to write to the creditor, stating clearly the amount you are willing to pay. Let me illustrate...
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Hold Action on your Account – Sample Letter Template
You can halt creditor action on your account for a temporary period, typically 30 days, while you seek debt advice and strategise a repayment plan. Let's delve into the hows and whys...
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Pro-rata Offers – Sample Letter Template
Pro-rata offers allow you to negotiate manageable repayments to multiple creditors when you're unable to meet your initial obligations. Dive in to discover a simple, step-by-step guide and a free template to help make this process smoother.
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Reconsider a Token Offer Sample Letter Template
A creditor rejecting your token offer can be rectified by asking them to reconsider their decision using a well-drafted letter. Let's delve into how to do this...
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Reconsider My Pro-rata Offer – Letter Template
Creditor(s) refusing your pro-rata payment offer can be persuaded to reconsider through a well-structured letter, outlining your fair repayment plan. Let's dive in to see how.
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Terminate a Car Finance Hire Purchase Agreement – Letter
Terminating a Car Finance Hire Purchase Agreement is a legal right under the Consumer Credit Act, which you can exercise using our free letter template. Discover how by reading on...
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Token Payment Plan or No Offer of Payment – Letter Template
A Token Payment Plan (TPP) is a repayment plan for people experiencing severe financial hardship. To get a TPP, you need to send a letter to your creditors with evidence of your financial situation. Let me illustrate...
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Don’t Pursue Mortgage Shortfall – Sample Letter Template
Mortgage shortfall debt does not have to be pursued if your home was repossessed over six years ago and your lender did not contact you within that period. Dive in to learn more...
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Mortgage Full and Final Settlement Offer Letter
To make a Mortgage Full and Final Settlement offer, you need to write to your creditor, stating clearly the amount you are willing to pay. Let me illustrate...
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Write Off Mortgage Debt Sample Letter Template
With our free letter template, it's possible to ask your mortgage lender to write off your mortgage shortfall debt, backing your case with your personal budget and FCA guidelines. Dive in to find out more.
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Dispute Liability for a Mortgage Shortfall – Letter Template
Liability for a mortgage shortfall can be disputed if certain conditions under the Limitations Act 1980 and UK Finance rules are met. Let's delve deeper...
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Ask your Bank to Pay Particular Bills – Letter Template
You can request your bank to allocate funds to pay certain bills directly from your account by exercising your first right of appropriation. Discover how in the paragraphs that follow.
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Withdraw your Continuous Payment Authority – Letter Template
Withdrawing your Continuous Payment Authority (CPA) can be effectively done by sending a specific letter to your payday loan provider. Dive in to find out how...
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Stop Continuous Payment Authority – Sample Letter Template
Halting a Continuous Payment Authority (CPA) is possible by communicating with your bank using the appropriate letter template provided here. Dive in, and let's put a stop to unwanted payments.
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Continue Accepting My Offer – Sample Letter Template
The ability to persuade a creditor to keep accepting your current debt repayment terms can be achieved with our free letter template, provided in this blog. Don't miss out, read on…
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Complain to Your Lender – Sample Letter Template
If you have experienced harassment or irresponsible lending practices, you should complain to your lender. To do so, you need to send an official letter. Let me illustrate...
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Complaining to Debt Collectors that you do Not Owe – Letter
Asserting that a debt isn't owed to debt collectors can be done effectively with a well-crafted 'prove the debt' letter. Read on, let's get started...
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Creditor Harassment Sample Letter Template
Our creditor harassment letter template empowers individuals and couples to combat incessant calls, texts, and visits from their creditors, in line with the law. Here's how it works…
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Statute Barred Debt Sample Letter Templates
Your debt is statute-barred if six years has passed since the last default notice was sent. If you believe that your debt is statute barred, you should notify your creditor by letter. It should contain any evidence that proves your debt is no longer enforceable according to the 1980 Limitations Act. Let me illustrate...
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Complain About a Bailiff Overcharging You – Letter Template
A bailiff may be overcharging you if their fees exceed the legally established caps. Find out more...
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