Blog
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...
Read more
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...
Read more
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…
Read more
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...
Read more
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...
Read more
Complain to a Bailiff Company – Complaint Letter Template
Making a complaint about a bailiff or bailiff company can be simplified with the use of a letter template provided in this article. Read on and learn how to make your complaint count.
Read more
Complain to a Council About their Bailiffs – Letter Template
You can lodge a complaint about a council's bailiffs using a carefully crafted letter template provided in this post. Dive in to discover more...
Read more
Tell a Bailiff That You Are Vulnerable – Letter Template
If you are vulnerable, a bailiff is required to follow strict guidelines. For example, they cannot visit your house when you are home alone. But, you will need to send a letter to the enforcement agency, explaining your situation. Let me walk you through the process...
Read more
Ask Your Mortgage Lender for Breakdown of Account – Letter
Asking your mortgage lender for a breakdown of your account is crucial if you are being pursued for a mortgage shortfall debt. Here's why you should do it...
Read more
Mortgage Shortfall Debt – Sample Letter Templates
Dealing with mortgage shortfall debt can be managed effectively by utilizing well-structured letter templates. Dive in to find out how...
Read more
Making Payment Instructions – Sample Letter Templates
You have the legal right to instruct your bank to make certain payments. You also have the right to withdraw your Continuous Payment Authority from a company at any time. To do so, you just need to send a letter to your bank containing the details of the payments you would like to make or stop. Let me illustrate...
Read more
Negotiating With Your Creditor – Sample Letter Templates
Negotiating with your creditors can be a streamlined process with the use of the right letter templates, as illustrated in this post. Dive in to find out more…
Read more
Other Useful Letters – Sample Letter Templates
This article provides you with seven useful letter templates for different situations related to debt management, from renegotiating energy bill repayments to requesting a stay of execution in the High Court. Dive in to find the one you need…
Read more
Information About Remaining Payments – Letter Template
You can freely request a statement of your remaining payments on a credit agreement using our downloadable letter templates. Dive in to learn more...
Read more
Credit Agreement Request Letter Template
Obtaining a copy of your credit agreement from your creditor is a right entitled to you by the Consumer Credit Act, and MoneyNerd's free letter template makes this request seamless and stress-free. Dive in to learn more...
Read more
Personal information request letter – Data Protection Act
Obtaining the personal information that companies, including creditors, hold about you is fully within your rights under the Data Protection Act. Dive in to discover how.
Read more
Asking for Information – Sample Letter Templates
Our blog post provides sample letter templates to help you request essential information from your creditors with ease. Dive in, and let's simplify this together...
Read more
Complaining About a Lender – Letter Templates
Complaining about a lender becomes significantly easier and more effective with the use of our specifically crafted letter templates. Ready to take action? Let's get started.
Read more
Dealing with Bailiffs – Letter Templates
Dealing with bailiffs can be managed more efficiently and with less stress using our tailored letter templates. Let's get started...
Read more
Financial Goals Roadmap – Free Spreadsheet Download
Achieving your long-term financial goals is more likely when you utilize a strategic approach, such as a financial goals roadmap. Uncover how to navigate your financial journey efficiently below...
Read more
Debt Repayment Tracker – Free Downloadable Spreadsheet
A debt repayment tracker plans out all debt repayments until the debt is completely paid. They are a very useful resource and can be used for many years. Let me illustrate...
Read more
Coronavirus Piggy Bank – April Fools
The Coronavirus Piggy Bank not only encourages saving, but also disinfects your money using ultraviolet light technology. Intrigued? Read on!
Read more
Monthly Budget Tracker – Free Spreadsheet Download
Our blog post presents an easy-to-use Monthly Budget Tracker, a free spreadsheet resource designed to help monitor and manage your finances effectively. Discover more, right here…
Read more
Monthly Bills Tracker – Free Downloadable Spreadsheet
Our free Monthly Bills Tracker spreadsheet offers a simple solution to help UK residents keep track of their monthly bills and potentially even reduce costs. Discover how this tool can revolutionise your budgeting right here.
Read more
Loan Payoff Calculator Free Downloadable Spreadsheet
A loan payoff calculator can be a valuable resource if you are struggling to meet repayments or just want to stay on track. Try it below.
Read more
Saving Goal Tracker Free Spreadsheet Download
Our free savings goal tracker spreadsheet offers a systematic way to monitor your progress as you steadily accumulate funds towards your desired financial target. Dive in to learn more...
Read more
Free Snowball Debt Calculator
The snowball debt method is a way of paying your debt off methodically, from smallest to largest. A snowball debt calculator will work out in which order you should pay your debts. Let me illustrate...
Read more
Sky Bill Debt – Can You Get it Wiped?
There are a few loopholes you can use to get your Sky bill debt wiped. For example, Sky has been known to wipe existing debt if the customer opens a new direct debit. Let me walk you through your options...
Read more
Notice of Assignment of Debt – What You Can Do
A Notice of Assignment of Debt is used to let you know that your creditor has passed your debt onto a third party, normally a debt collection agency. In response, you can either pay the third party, or contact them to negotiate a repayment plan. Let me explain...
Read more
Leaving the UK with Debt
If you leave the UK with debt, your creditors can no longer chase you. But, they can enlist a foreign debt collection agency to chase the debt, or seize any assets you leave behind. Let me explain...
Read more
The best Budgeting Apps – Emma vs YNAB, etc
Budgeting apps can be a great resource to help you manage your personal finances. But, it's important to review all of their services and costs before committing to one. Let me walk you through the 7 best budgeting apps...
Read more
If a wife pays a husband’s debt is it OK? Risks
It is ok for a wife to pay her husband's debt. But, depending on the circumstances, using a debt solution might be more appropriate. Let me walk you through your options...
Read more
How much debt is too much? UK Stats
If you have debts that lie between 43% and 50% of your annual income, this is considered to be too much. Any debt over 50% of someone's income is considered to be high risk. Let me walk you through your options...
Read more
How does a debt relief program affect your credit?
A debt relief program may help manage your debt, but it typically has a negative impact on your credit score. Read on to find out more...
Read more
HMRC Debt Management Letter – Complete Guide
If you fall behind on payments, you will likely receive a HMRC debt management letter. The letter should state all necessary information about your debt, including who you owe, the amount you owe, and who to contact. You should not ignore a HMRC debt management letter. Let me walk you through your options...
Read more
How to Get Your Water Bill Debt Written Off
It is possible to get a portion of your water bill debt written off. To do so, you will need to reach out to your water provider and explain the situation. You could negotiate a favorable repayment scheme, or even offer a reduced lump sum. Let me walk you through your options...
Read more
Debt relief order after 6 years – What You Need To Know
Debt Relief Orders (DROs) usually last for a year. But, a DRO will remain on your credit report for 6 years and could affect any future applications for credit. Let me explain...
Read more
Debt over 10 years old in the UK – Can You Be Chased? Laws
You may not have to pay debt that is over 10 years old in the UK. But, you shouldn't ignore debt in the hope that it'll be written off. If you do, legal action could be taken against you. Let me walk you through your options...
Read more
Debt assigned to a CAIS member – What To Do?
When your debt is assigned to a CAIS member, it indicates that your original creditor has sold your debt to a collection agency. Read on to navigate this situation effectively.
Read more
Borrow from Retirement Funds to Pay Debt? UK Guide
Borrowing from your retirement funds to pay off debt is possible in the UK, but it comes with significant considerations and potential drawbacks. Stay with me, as we delve into this complex issue.
Read more
Can You be Responsible for Someone Else’s Debt?
Typically, you are not responsible for someone else's debt unless you've agreed to share or take on their obligations, such as through a joint account or a guarantor agreement. Keep reading to understand when you might be liable and how to navigate these situations effectively.
Read more
Can the same debt be defaulted twice? Quick Answer
Normally, the same debt cannot be defaulted twice. But, there are some circumstances that can lead to a double default. Let me explain...
Read more
Can I sell my personal debt? Debt Collection Agency Guide
It is possible to sell your personal debt. You can either sell the debt outright, or get a debt collection agency to work on a 'no win, no fee' basis. Let me explain...
Read more
Can I get stopped at an airport for debt in the UK?
In the UK, you cannot get stopped, detained, or arrested at the airport for debt alone. But, if you are moving to a different country, you should resolve unpaid debts before leaving. If you don't, you could face serious consequences. Let me explain...
Read more
Zenith Collections – Beat Debt Collectors (Guide, FAQs & More)
You might not have to pay Zenith Collections. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
ZZPS Debt Collection for Parking Fines – Should You Pay?
You might not have to pay ZZPS Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Deed of Assignment of Debt – Everything You Need to Know
A Deed of Assignment of Debt is used to notify a debtor that a creditor has passed their case onto a debt collection agency. If you receive a Deed of Assignment, you should contact the debt collector as soon as possible to discuss repayment. Let me walk you through the process...
Read more
Vodafone Debt Collection – Should You Pay?
You might not have to pay Vodafone Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Vanquis Debt Recovery – Must You Pay?Collection Agencies?
You might not have to pay Vanquis Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
UKSL Debt (UK Search Limited) Should You Pay?
You might not have to pay UK Search Limited (UKSL). But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
TV Licence Debt Collection – How to Deal with Them
You might not have to pay TV Licence Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Third Party Debt Order Form – Things To Consider
A Third Party Debt Order form can be used by creditors to secure outstanding debts by claiming money as it enters your bank account. Read on for a comprehensive breakdown...
Read more
Studio Debt Collection – Should You Really Have To Pay?
You might not have to pay Studio Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Scottish Power Debt Collectors – Should You Pay?
You shouldn’t ignore Scottish Power 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…
Read more
Receiving debt collection letters for someone else
If you're receiving debt collection letters for someone else, you should contact the debt collector immediately. You can also return any letters not addressed to you. Let me walk you through your options...
Read more
NatWest Debt Collection Agency: Do You Need to Pay?
You might not have to pay NatWest Debt Collection Agency. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
IMFS Debt Collection – Should You Pay?
You might not have to pay IMFS Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
ICB Debt (Insurance Collections Bureau) – Should You Pay?
You might not have to pay ICB 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…
Read more
HSBC Debt Collection Agency – Do You Need to Pay?
You might not have to pay HSBC Debt Collection Agency. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
House Repossessed and Chasing Me for Debt – What to do?
Before evicting you from your house, the creditor has to start court proceedings. This is usually an eight-step process. Let me walk you through it...
Read more
HMRC Debt Collection Process Explained – Do You Have to Pay?
You might not have to pay HMRC Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through the process…
Read more
EE Debt Collection – Do You Have to Pay?
You might not have to pay EE Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
DVLA Debt Collection Agencies Guide – Past Due, Capital Resolve, etc
The DVLA relies on several different debt collection agencies, including, but not limited to Past Due, Capital Resolve, Advantis Credit Ltd, and Bluestone Consumer Finance Limited. Let me walk you through the DVLA debt collection process...
Read more
Debt Managers Services Ltd – Do You Need to Pay?
You might not have to pay Debt Managers Services 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…
Read more
Cobra Financial Debt Collection – Do You Need to Pay?
You might not have to pay Cobra Financial Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Can debt collectors find my new address? Quick Answer
It is very easy for debt collectors to find your new address. For example, paychecks can be used to track your address. Let me walk you through your options...
Read more
BT Debt Collection Agency – Do You Need to Pay?
You might not have to pay BT Debt Collection Agency. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
CLI International Debt Collectors – Should You Pay?
You might not have to pay CLI International Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
British Gas Debt Collection Agency – Should You Pay?
You might not have to pay British Gas Debt Collection Agency. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Bluestone Debt Credit Management, HMRC – Should You Pay?
Not everyone will need to pay Bluestone Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Barclaycard Debt Collection Agency – Should You Pay?
You might not have to pay Barclaycard Debt Collection Agency. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Anglian Water Debt – Must You Pay?
You might not have to pay Anglian Water 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…
Read more
Am I Liable for My Ex Partner’s Debt?
You are not liable for your ex-partner's debts unless you acted as a guarantor or they are joint debts. Joint debts include any bills, tenancy agreements, or bank accounts that you set up together. Let me explain...
Read more
ACI Debt (Asset Collections & Investigations) Should You Pay?
You might not have to pay ACI 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…
Read more
Santander Debt Consolidation Loan Reviews & In-depth Info
There are a lot of things to consider before getting a Santander debt consolidation loan. You need to review repayment periods, interest rates, and your eligibility, just to name a few. Let me explain…
Read more
RBS Debt Consolidation Loan Reviews & In-depth Info
There are a lot of things to consider before getting an RBS debt consolidation loan. You need to review repayment periods, interest rates, and your eligibility, just to name a few. Let me explain…
Read more
O2 Debt – Do You Have to Pay?
You may not have to pay O2 Debt. But, if you ignore it, you could face serious consequences. Let me walk you through your options...
Read more
Notice of Debt Recovery – What You Need To Know
A notice of debt recovery, also known as a Letter Before Action, is a letter that requests payment from an outstanding debt in your name. If you don't respond, it is likely that the creditor will attempt to legally enforce the debt. Let me walk you through your options...
Read more
‘Newlands House, Caxton Way, Eastfield Scarborough’ Debt Info
Newlands House, Caxton Way, Eastfield Scarborough is the address of Henriksen Limited, an international debt recovery company. Henrikson recovers debt for several different businesses, including utility companies, delivery services, credit card providers, just to name a few. Let me guide you through their debt recovery process...
Read more
NatWest Debt Consolidation Loan Reviews & In-depth Info
There are a lot of things to consider before getting a NatWest debt consolidation loan. You need to review repayment periods, interest rates, and your eligibility, just to name a few. Let me explain…
Read more
National Debt Relief UK Reviews & In-depth Info
National Debt Relief UK 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.
Read more
Is a Debt Written Off after 6 Years? Quick guide
Debt can be written off after six years. However, there is strict criteria for debt write off. Let me walk you through the process...
Read more
If a Debt Is Sold to Another Company Do I Have to Pay?
If your debt is sold to another company, you still need to pay. But, you now need to come to a repayment agreement with the new owner, rather than the original creditor. Let me walk you through the process...
Read more
HSBC Debt Consolidation Loan Reviews & In-depth Info
There are a lot of things to consider before getting a HSBC debt consolidation loan. You need to review repayment periods, interest rates, and your eligibility, just to name a few. Let me explain…
Read more
How to Write Off Credit Card Debt? Quick Guide
Writing off credit card debt in the UK can be accomplished legally through strategies such as the Statute Barred rule, Debt Relief Orders, and Bankruptcy among others. Read on to discover how...
Read more
How to Write Off Debt Legally – 5 Options Explored
Legally writing off debt is achievable through several methods, including debt settlement offers, individual voluntary arrangements, debt relief orders, statute barred debts, and bankruptcy. Ready to learn more?
Read more
How Much Should You Offer to Settle a Debt? UK Settlement Guide
Standard settlement offers are usually around 75% of the debt's worth. But, your offer should depend on what you can reasonably afford, and the size of the debt you owe. Let me walk you through the settlement process...
Read more
How Many Debt Relief Orders Can I Have? Quick Answer & FAQs
You can only have one Debt Relief Order within a 6 year period. Once this period has passed, you can apply for another. However, it is very difficult to get more than one or two Debt Relief Orders. Let me walk you through your options...
Read more
How Long for Your Credit Score to Go Up After Paying Debt?
Your credit score may take between 1 and 3 months to go up after paying a debt. But, there are some exceptions. Let me explain...
Read more
How Long Can You Be Chased for a Debt?
For most debt in the UK, you can be chased for a maximum of six years since you last made a payment or wrote to your creditor. But, there are some important exceptions. Let me explain...
Read more
Secured Debt Consolidation Loans Reviews & In-depth Info
If you’re thinking about ways to manage your debt, you may have heard of secured debt consolidation loans. In this article, we aim to help you understand them better. Here’s what we’ll cover: Every month, our website is visited by over 170,000 people seeking advice on debt solutions. We understand that dealing with unpaid debt […]
Read more
HMCTS Historic Debt Team – Who Are They & What to do
HMCTS Historic Debt Team is a debt collection group. It was set up by the UK government to locate people with unpaid court fines and recover the debt. If you are contacted by HMCTS Historic Debt Team, you should try to come to a repayment arrangement. Let me walk you through the process...
Read more
Consolidate Credit Cards – Complete Guide
Consolidating your credit cards can be an effective strategy to manage debt, particularly if you can secure more favourable repayment terms. Read on to understand how this process works, and if it might be the right solution for you.
Read more
Halifax Mortgage for Debt Consolidation Reviews & Remortgage
There are a lot of things to consider before getting a Halifax mortgage for debt consolidation. You need to review interest rates and your eligibility, just to name a few. Let me explain…
Read more
Halifax Debt Consolidation Loan Reviews & In-depth Info
There are a lot of things to consider before getting a Halifax debt consolidation loan. You need to review repayment periods, interest rates, and your eligibility, just to name a few. Let me explain…
Read more
Does HMRC Debt Affect Credit Rating? Quick Answer
HMRC debt does not affect your credit rating unless you are declared as bankrupt. Let me walk you through your options...
Read more
Does Debt Consolidation Affect Getting a Mortgage?
Debt consolidation can affect your mortgage application in a positive way. It helps to avoid serious debt that would significantly impact your credit score and can illustrate to lenders that you are less of a risk. Let me explain...
Read more
Debt Arrangement and Attachment Scotland Act 2002 Guide
The Debt Arrangement and Attachment Scotland Act 2002 provides a comprehensive scheme for individuals to manage their debts under specific payment programmes. Delve in for a detailed understanding...
Read more
Debt Relief Order Reviews and Questions
A Debt Relief Order (DRO) can provide a lifeline for individuals meeting certain criteria, offering a path to eliminating their debts. Read on to learn from authentic DRO reviews and get answers to your burning questions.
Read more
What Are the Best Consolidation Loans in the UK?
Consolidation loans are the most popular method of debt consolidation in the UK. To pick the best consolidation loan for you, you need to closely compare APR rates, eligibility, repayment holidays, and policies on early settlement. Let me walk you through your options...
Read more
Barclays Debt Consolidation Loan Reviews & In-depth Info
There are a lot of things to consider before getting a Barclays debt consolidation loan. You need to review repayment periods, interest rates, and your eligibility, just to name a few. Let me explain…
Read more
Can My Personal Debt Affect My Limited Company? Quick Answer
It is very unlikely that your personal debt will affect your limited company. But, there are some rare exceptions. Let me explain...
Read more
Clearing Credit Card Debt: UK Laws Unveil A Loophole
There is one loophole in the UK that allows you to clear your credit card debt. It works through a balance transfer credit card, which enables you to transfer your debt from one credit card to another. But, this loophole does have some pitfalls. Let me explain...
Read more
Average Credit Card Debt in the UK
As of November 2022, the average credit card debt per individual in the UK was £1203. But, this differs considerably based on age group. Let me explain...
Read more
I Can’t Pay My Debts – What Are Your Options?
If you're struggling with debt and can't afford to pay, there are various options available to help alleviate your financial burden. Keep reading to discover your next steps...
Read more
Can’t afford my loan payments – What Can You Do
If you can't afford your loan payments, the most effective course of action is to communicate with your loan provider proactively, discussing your circumstances and exploring potential solutions. Dive in to discover the detailed guide and strategies to navigate this challenging situation.
Read more
Can’t Pay Credit Card – Step by Step Guide
If you find yourself unable to pay your credit card debt, there are options available to navigate this difficult period. Don't turn away, keep reading to discover your next steps...
Read more
Charity Debt Advice – Top Debt Charities Reviewed
Navigating through debt can be easier with the guidance of UK's leading debt charities offering free and impartial advice. Read on, there's much to learn.
Read more
Where to Get Free Debt Information in the UK
Access to free, quality debt information in the UK can be crucial in effectively managing your financial situation. Let's dive in and unravel the intricate world of debt management together.
Read more
Bankruptcy Alternatives UK – The Top Other Options
Bankruptcy alternatives in the UK encompass options like Individual Voluntary Arrangements (IVAs), Administration Orders, and Debt Consolidation Loans. Read on to delve deeper...
Read more
Bankruptcy Payment Plans – Complete Review
Bankruptcy payment plans provide a structured way to manage debt, offering a feasible solution for those unable to settle their financial obligations outright. Dive in to fully understand how it can help you regain control over your finances.
Read more
Bankruptcy Debt Management – Complete Overview
Bankruptcy and debt management are two significant avenues to explore when dealing with overwhelming debt. Read on to understand the intricacies of both!
Read more
Bankruptcy Searches – What You Need To Know
Bankruptcy searches are essential tools for assessing the creditworthiness of potential borrowers, revealing whether they have a history of bankruptcy. Read on to discover how these searches work and why they are crucial for informed financial decisions.
Read more
Debt Relief Order – What Happens After a Year?
After a year of being on a Debt Relief Order (DRO), any remaining debts covered by the DRO are generally wiped out, offering you freedom from debt. Intrigued? Read on to discover more.
Read more
Debt Relief Order Scotland – What You Need To Know
In Scotland, alternatives to the Debt Relief Order, such as the Minimal Asset Process and Protected Trust Deed, offer effective debt management solutions. Intrigued? Let's delve deeper...
Read more
How Long Does a Debt Last in the UK? Rules for Write Off
Generally, debt will last for 6 years in the UK before being written off. But, there are notable exceptions and strict criteria for debt write off. Let me walk you through the process...
Read more
Priority Debts – What Are They?
Priority debts refer to debts that could cause severe issues, including legal repercussions, if not paid back timely and appropriately. Keep reading to get a better grasp on these financial responsibilities...
Read more
Grants to Pay Off Loans Reviews & In-depth Info
If you're struggling to pay off a debt, there are a number of grants and programs available in the UK that can help ease your financial hardship. You could take advantage of payment holidays, student loan forgiveness. hardship grants, or social fund loans, just to name a few. Let me walk you through your options...
Read more
Can the Government Write Off My Debt? Best Scheme?
You may be able to write off your debt using a government backed scheme, such as an IVA, Debt Relief Order, or Bankruptcy. Let me walk you through your options...
Read more
Payment Agreement Form Free – All You Need to Know
A Payment Agreement Form contains the terms of a debtor's installment plan for the payment of a loan. It's vital that all of the details on this form are correct and have been understood by the debtor. Let me walk you through the process...
Read more
Debt Counseling Advice – Complete Review
Debt counselling is the formal process through which you receive help with your debt problems. A debt counsellor will review your financial situation and structure a repayment plan. Let me walk you through the process...
Read more
Payplan or Stepchange – Which is Best?
Both Paylan and Stepchange offer debt management plans and free debt advice. But, Payplan can provide help with a larger range of debt solutions through their partner companies. Let me explain...
Read more
How to Clear Credit Card Debt without Paying? Possible?
There are a number of ways to clear credit card debt. For example, you can use a balance transfer, an IVA, or a Debt Management Plan. Let me walk you through your options...
Read more
Paying Back Tax Credits in Instalments – Complete Guide
It is possible to pay back tax credits in instalments. To do so, you should contact HMRC to discuss your options. Let me walk you through the process...
Read more
How to Find Out All My Debts? Credit Search Guide
You can find out all your debts by conducting a comprehensive credit search and contacting relevant creditors and agencies. Let's delve into this process...
Read more
Interest on Debt – All You Need to Know
Interest on debt is essentially a form of compensation charged by creditors for borrowing their money, with the ability to calculate this cost providing vital control over your financial health. Let's delve into the details...
Read more
Free Debt Consolidation Loans Government Programs Investigated
The UK government does not offer free debt consolidation loans. Instead, government programs focus on debt solutions such as IVAs, Bankruptcy, and DROs. But, it is possible to get a free or affordable debt consolidation loan from a reputable company. Let me walk you through your options...
Read more
Putting a Charge on a Property – Everything You Need to Know
A legal charge on a property turns an unsecured loan into a secured one. This means that your property can be used as collateral. There are two types of charging orders - interim and final. Let me explain the difference...
Read more
Joint Loans for Debt Consolidation – What You Should Know
Joint loans for debt consolidation allow individuals to combine their debts into one larger loan, often secured with the help of a spouse or close family member. Read on to learn more about this effective strategy for managing debts.
Read more
Controlaccount (Control Account Plc) Debt Recovery – Pay FedEx, DHL, etc?
Not everyone will need to pay Controlaccount Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Deed of Trust – Everything That You Need to Know
A deed of trust is a legal document that guarantees a real estate transaction between a borrower and a lender. A deed of trust requires a trustee who works for the interests of the beneficiaries. Let me walk you through the process...
Read more
Trust Deed Calculator – What does it do?
A Trust Deed Calculator aids in determining your eligibility for a trust deed and estimating its potential impact on your financial situation. Curious to know more? Read on...
Read more
Security Trust Deed – Complete Overview, Tips & FAQs
A Security Trust Deed is a traditional debt solution, providing a legal framework for the transfer of property from a borrower to impartial trustees on behalf of the lenders. Intrigued? Let's unravel it...
Read more
Trust Deed or Debt Arrangement Scheme – Complete Review
Choosing between a Trust Deed and a Debt Arrangement Scheme (DAS) primarily depends on your personal financial circumstances and the total amount of your debt. Read on to understand the fine details of both options.
Read more
What Is the Difference Between a Trust Deed and Bankruptcy?
A Trust Deed and Bankruptcy are two different strategies for managing debt, with distinct processes, implications and suitability depending on individual circumstances. Dive in to find out which one might be the best fit for your situation.
Read more
Mortgage After Trust Deed – Complete Guide
Securing a mortgage after a Trust Deed is certainly possible, albeit requiring thoughtful planning and disciplined financial practices. Keep reading to discover how…
Read more
Trust Deed Car Finance – What You Can Do, FAQs & More
It is possible for you to get car finance during, and after, a Trust Deed. But, your choice of lenders is likely to be very limited and the interest rates available to you will be high. Let me walk you through your options...
Read more
How to Get Out of a Trust Deed? Cancel Guide
There is no easy way to get out of a Trust Deed. If you can't pay, the Trust Deed may fail, which could result in losing your belongings. Let me walk you through your options...
Read more
Failed Trust Deed – What You Can Do, FAQs & Tips
A Trust Deed may fail if you don't manage your finances well enough and miss multiple monthly payments, but there are steps you can take to prevent this. Dive in to learn more…
Read more
Trust Deed Rules – What You Need To Know
Understanding Trust Deed rules is critical to navigating your debt problems effectively and responsibly. Read on, and let's unravel them together...
Read more
Trust Deed Online – Everything You Need to Know
Setting up a Trust Deed online in Scotland can be a viable option to manage your debts if they total £5,000 or more. Dive in to discover more...
Read more
All Inclusive Trust Deed – Complete Guide & FAQs
An All Inclusive Trust Deed (AITD) is a form of agreement that allows you to put your multiple debts against a single property, where temporary ownership is transferred to a third-party trustee. Intrigued? Dive in...
Read more
Is a Trust Deed an IVA? All You Need to Know, FAQs & More
A Trust Deed is not an IVA, though they share similarities and serve as significant debt solutions depending on your residency and financial circumstances. Let's delve deeper...
Read more
Trust Deeds Disadvantages – All You Need to Know
The primary drawbacks of a trust deed include potential impacts on your credit rating, restrictions on obtaining future loans, and potential risk to your assets. Keep reading to fully understand…
Read more
Will a Trust Deed Affect My Partner?
Entering into a trust deed will not directly affect your partner unless you share joint debts, placing certain responsibilities on both of you. Curious about the details? Keep reading...
Read more
How Much Debt Do I Need to Enter into a Trust Deed?
To enter into a trust deed, you're typically expected to have a minimum debt amount of £5,000, with an average debt range of £7,000 to £8,000. Read on to learn more…
Read more
Typical Trust Deed Durations and What Can Change It
A Trust Deed generally lasts around 4 years. But, there are exceptions to this rule. Let me explain...
Read more
How Long Trust Deed Stay on Your Credit File? Get Removed
A Trust Deed stays on your credit file for approximately six years in Scotland, beginning from the date it becomes protected. Read on to understand more about its impact and potential recovery options.
Read more
Trust Deed Amendment – All You Need To Know
Typical Trust Deed amendments include increasing monthly payments, decreasing monthly payments, and adding protection. But, you can only make a Trust Deed amendment if your creditors agree. Let me walk you through the process...
Read more
Trust Deed Criteria – All You Need to Know, FAQs & Tips
Eligibility for a Trust Deed in Scotland depends on several factors, including your residency, insolvency status, and ability to make monthly payments. Interested in discovering more? Dive in...
Read more
Does a Debt Management Plan (DMP) Affect Renting? Complete Guide
A Debt Management Plan (DMP) shouldn't affect your current tenancy. However, a DMP could make finding a new space to rent more difficult. Let me walk you through your options...
Read more
Is a Trust Deed a Good Idea? All You Need to Know & FAQs
A Trust Deed could help you to become financially stable. But, there are a few notable drawbacks. For example, a trust deed could affect your credit rating for 6 years. Let me walk you through the details...
Read more
Debt Relief Order vs Debt Management Plan – Comparison
Choosing between a Debt Relief Order (DRO) and a Debt Management Plan (DMP) depends greatly on your personal financial circumstances and debt situation. Dive in to find out more...
Read more
Debt Management Plan Pros and Cons
A Debt Management Plan (DMP) is an informal agreement between you and your creditors, stating that you will make reduced monthly repayments towards your debt. DMPs are a popular debt solution in the UK, but they aren't right for everyone. Let me walk you through the pros and cons...
Read more
Sell Your House Whilst in Trust Deed? UK Property Laws
It is possible to sell your house whilst in a Trust Deed. However, you can only do so if your trustee agrees. Let me walk you through your options...
Read more
Best Debt Management Companies
There are a lot of things to consider before committing to a debt management company. You need to review services, costs, and strategy, just to name a few. Let me talk you through it…
Read more
Debt Management Plan Criteria – What You Need To Have
To qualify for a debt management plan (DMP) in the UK, you need a steady income and unsecured debts, among other factors. Dive in to discover more about these criteria and the nuances involved.
Read more
Free Debt Management Companies – Complete Review
There are a lot of things to consider before committing to a free debt management company. You need to review services, costs, and strategy, just to name a few. Let me talk you through it…
Read more
Debt Management Plan Calculator – Monthly Repayments
Debt Management Plan (DMP) calculators can help you estimate monthly repayments, the length of your DMP, and how much money you could save. Let me illustrate...
Read more
Will My DMP Affect My Partner? Complete Guide
If you have a financial association with your partner, your Debt Management Plan could affect them. Depending on the circumstances, it may be more appropriate to enter into a joint Debt Management Plan. Let me walk you through your options...
Read more
Debt Management Plan for Self-Employed – What’s Possible?
A Debt Management Plan (DMP) can be an effective solution for self-employed individuals struggling with personal debts, provided they have a solid understanding of its implications. Curious? Dive in to discover more.
Read more
Should I Tell Creditors I am Getting a Debt Management Plan?
Yes, it is essential to inform your creditors if you're opting for a debt management plan. Curious about the details? Keep reading...
Read more
Debt Management Plan Payment Holiday – Complete Overview
A payment holiday on your Debt Management Plan (DMP) can be an option if you're having trouble making repayments, providing necessary breathing space in challenging times. Interested in finding out more? Let's dive in…
Read more
Debt Management Plan Council Tax – Payment Guide
Council tax debts in the UK cannot be included within a debt management plan (DMP), thus, it needs to be dealt separately and responsibly. Dive in to learn more...
Read more
Will a Debt Management Plan (DMP) Affect My Job?
A Debt Management Plan (DMP) shouldn't affect your job. You are under no obligation to tell your employer about your DMP, unless specifically stated in your contract. Let me explain...
Read more
Debt Management Plan Example – What To Expect
Understanding different debt management plan examples can significantly inform your decision on the most appropriate debt solution for your unique financial situation. Dive in, as we explore multiple scenarios showcasing how these plans have benefited numerous individuals.
Read more
DMP CCJ – All You Need to Know, FAQs & More
A County Court Judgment (CCJ) can indeed be pursued against you while in a Debt Management Plan (DMP), but it's generally rare and contingent on certain circumstances. Intrigued? Read on.
Read more
Debt Management Plans vs Individual Voluntary Arrangements
Debt Management Plans and IVAs are both popular debt solutions. But, they differ in some vital ways. For example, IVAs tend to be shorter than DMPs, but they tend to have stricter eligibility criteria. Let me walk you through your options...
Read more
What if Creditors Refuse DMP? Debt Management Plan Guide
Creditors are not obliged to accept a Debt Management Plan. If your DMP is refused, you should consider using a different debt solution as soon as possible. Let me walk you through your options...
Read more
How Long Will Debt Management Plan (DMP) Stay on Credit File?
A Debt Management Plan (DMP) will stay on your credit file for 6 years, unless your debt repayments continue for longer than 6 years. In this case, the debt will remain on your file until fully paid. Let me explain...
Read more
Bankruptcy or Debt Management Plan – Complete Comparison
Bankruptcy and Debt Management Plans (DMPs) offer distinct routes for handling overwhelming debt, each with their unique pros and cons. Discover the full comparison below…
Read more
Do I have to Include All Debts in a Debt Management Plan?
You should include all of your debts in a Debt Management Plan (DMP). If you don't, your creditors may perceive you as untrustworthy, and this could result in additional fees or interest. Let me explain...
Read more
Are Debt Management Plans a Good Idea? Complete Analysis
Debt Management Plans can indeed be a beneficial solution for individuals struggling with repayable debts, offering a structured and manageable way to clear financial obligations. Dive in to understand more about how they could potentially change your financial future.
Read more
Joint Debt Management Plan – What You Can Do & FAQs
A Joint Debt Management Plan offers couples an effective way to collaboratively handle and eradicate their financial burdens. Dive into this article to discover how it works and the nuances involved.
Read more
Get a Mortgage after Debt Management Plan? (DMP) – How Long?
You can get a mortgage after a Debt Management Plan. But, a DMP does affect your credit score, so it's likely that your options will be limited. Let me walk you through your options...
Read more
Debt Management Plan Reviews
A Debt Management Plan (DMP) review is a crucial aspect of maintaining a healthy, balanced approach to debt management for those engaged in a DMP in England. Dive in to understand more about its significance and how it can assist you in managing your debt more effectively.
Read more
DMP Mortgage Lenders – Which Ones Accept?
You can get a mortgage after a Debt Management Plan. But, a DMP does affect your credit score, so it's likely that your choice of lenders will be limited. Let me walk you through your options...
Read more
Remortgage with Debt Management Plan – Quick Guide
Navigating a remortgage process while under a Debt Management Plan (DMP) may pose challenges, but with the right planning and knowledge, it's entirely possible. Delve into this quick guide to arm yourself with the necessary information...
Read more
Debt Management Universal Credit – What To Consider
Managing debt within the Universal Credit system involves understanding how it operates, particularly when facing overpayments. Stick around, let's unravel it together...
Read more
Debt Management Plan Sample Letter Templates
Debt management plans (DMPs) require effective communication with your creditors, and this article provides sample letters to help with this process. Read on to empower yourself with the knowledge to take control of your financial situation.
Read more
How to budget
Effectively dealing with debt necessitates a workable budget that clearly reflects your income and expenditure. Let's dive in and simplify the process of budgeting for you.
Read more
What Happens when Debt Management Plan (DMP) Ends?
When a Debt Management Plan ends, you can close the accounts that you've paid off. If some portion of your debt is still unpaid, it is very likely that it will be written off. Let me explain...
Read more
Do It Yourself Debt Management Plan – Complete Guide
Setting up a Debt Management Plan (DMP) by yourself is an effective way to manage your debts based on your personal financial situation. Read on to discover how...
Read more
Student Loan Debt Management Plan – Here’s Your Options
Managing student loan debt can be made easier by exploring various options, such as entering into a Debt Management Plan (DMP). Keep reading to discover how this could be a viable solution for you.
Read more
Debt Management Plan Allowable Living Expenses Guide
If you enter into a debt management plan, you are allowed to spend money on essentials, such as food, bills, and fuel. Any excess must go towards your debt. Let me explain in more detail...
Read more
Debt Management Plan vs Debt Settlement – Comparison
Choosing between a Debt Management Plan and a Debt Settlement Offer depends on your specific financial situation and capabilities. Dive in to learn more.
Read more
Can I Get a Credit Card While on a Debt Management Plan (DMP)?
It is possible to get a credit card whilst on a Debt Management Plan. But, it is considered a high-risk decision. Let me walk you through your options...
Read more
Car Finance Debt Management Plan – Complete Guide & FAQs
Navigating car finance while on a Debt Management Plan (DMP) can be challenging, but with the right knowledge and guidance, it is possible. Read on, and let's unravel the complexities together.
Read more
What is the Typical Debt Recovery Process? Quick Overview
The typical debt recovery process begins with a default notice. Following, your accounts will likely be closed and legal action will be taken against you. After this, bailiffs may try to recover the debt. Let me walk you through the details...
Read more
Littlewoods Debt Collection Payment Plan – Must You Pay?
You might not have to pay Littlewoods Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
The Debt Advice Service Reviews & In-depth Info
The Debt Advice 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.
Read more
Freeze Debt App Review (UK) Is it any good?
The Freeze Debt app allows you to access and manage your Freeze Debt account without having to contact employees or use the website. Let me walk you through its features...
Read more
Free UK Debt Counselling Online – Top 3 Counsellors Reviews
Free UK online debt counselling is a great resource. It can help avoid costly debt solution mistakes, provide clarity on what to do next, and it's convenient. StepChange UK, a debt charity, provides free online debt counselling. Let me walk you through their services...
Read more
Can a debt collector take my car?
A debt collector cannot take your car. But, if they file for a CCJ to be issued against you, bailiffs could end up seizing your vehicle. Let me walk you through the process...
Read more
Step Change Debt Charity Reviews & In-depth Info
StepChange UK is a debt charity that provides aid with number of debt solutions, including, but not limited to, Debt Management Plans, IVAs, and Debt Relief Orders (DROs). Let me walk you through their services in more detail...
Read more
IVA Full and Final Settlement Offer – Complete Guide
A Full and Final IVA Settlement Offer is the process of asking your creditors if you can pay a lump sum to write off your debt and end your IVA. For your offer to be successful, your creditors need to consider the proposed lump sum to be sufficient. Let me walk you through the process...
Read more
Will an IVA Affect My Partner?
Your partner will not have to financially contribute to your IVA. But, an IVA could affect your partner as you may have to make some drastic lifestyle changes. Let me explain...
Read more
Does an IVA Affect Renting a Property? What You Can Do
An IVA shouldn't affect your ability to rent a property. Your landlord will not be notified about your IVA. But, there are a few exceptions. Let me explain...
Read more
How to Spot An IVA Company You Want to Avoid
You should avoid IVA companies that make unrealistic claims, have an unusually high rate of failure, or have consistently bad reviews. Let me walk you through your options...
Read more
Securing a Loan Following an IVA: Latest Guidelines
Getting a loan after an IVA can be difficult. This is because an IVA remains on your credit report for 6 years, regardless of when it ended. But, you may be able to get a loan from a specialised lender. Let me explain...
Read more
IVA Debt Consolidation – All You Need to Know, FAQs & More
Are you searching for clear answers about IVA debt consolidation? You’re in the right place. Over 170,000 people visit our website to get guidance on debt solutions each month. In this friendly guide, we’ll discuss: We know that every situation is unique. Our team has plenty of experience in dealing with debt and understands the […]
Read more
Dealing with Creditors When IVA Failed After Years In One
After your IVA has failed, your creditors are able to take legal action against you. To avoid bankruptcy, you should contact your creditors as soon as possible to discuss your options. Let me walk you through the process...
Read more
IVA Application Form: What to Expect & Prepare
In 2022, the IVA application process involves providing detailed documentation on your financial circumstances, from income to assets and expenses. Dive in, there's much to learn.
Read more
IVA Certificate – What You Need To Know
An IVA completion certificate verifies that your IVA has ended and your debts have been written off. You will likely need this certificate when you apply for credit in the future. Let me explain...
Read more
Why Would a Creditor Refuse an IVA? Main Reasons
A creditor could refuse an IVA for a number of reasons. Perhaps your proposed budget was deemed unrealistic, or maybe you just provided incorrect information. Let me walk you through your options...
Read more
Hiding Money from IVA – Should You Do it?
Hiding money from an IVA is a bad idea. There is a high probability that you will get caught and face further financial difficulty. Let me explain...
Read more
Can I Legally Cancel My IVA? Can You Get Out?
You can legally cancel your IVA. But, cancelling your IVA isn't always the best idea. Let me walk you through your options...
Read more
Lump-Sum IVA – What Are The Rules?
A Lump-Sum IVA is a special type of Individual Voluntary Arrangement that allows you to repay your debts as a one-off large payment, instead of regular monthly instalments. Dive in to understand the rules and how it might be the perfect solution for you.
Read more
How Inheritance Works When An IVA Is Involved
If you receive inheritance when you have an IVA in place, the money will be used to pay off your debt. But, the situation is slightly more complicated if you receive inheritance before committing to an IVA. Let me explain...
Read more
IVA Remortgage – Complete Guide, FAQs & More
Remortgaging with an Individual Voluntary Arrangement (IVA) is indeed possible, although it can present certain challenges. Dive in to find out more...
Read more
The Rules for Getting a Mortgage After an IVA
Securing a mortgage after an Individual Voluntary Arrangement (IVA) is indeed possible, albeit challenging due to the stringent conditions set by lenders. Intrigued? Let's delve into the specifics.
Read more
Windfall After IVA Completion – Complete guide to UK Laws
If you receive windfall after completing your IVA, it will not have to be paid to your creditors. But, if you receive it before the final review has been conducted, things are a bit more complicated. Let me walk you through the process...
Read more
IVA Annual Review – How You can Prepare for It with Tips
An IVA Annual Review will determine whether your IVA agreement is still appropriate. You should prepare by gathering your important documents, such as recent bank statements, tax forms, and payslips. Let me walk you through the process...
Read more
IVA Extended to 6 Years – What You Can Do, FAQs & Tips
It is possible to end your IVA early, even if it's been extended to 6 years. To do so, you could negotiate the terms of your IVA, or sell an asset. Let me walk you through your options...
Read more
IVA Final Review – How to Prepare for Your Last Year
An IVA final review is conducted to decide whether to end the IVA or continue it for another year. In preparation for the final review, you should make sure that your bank statements, payslips, tax forms, and wealth statement are all in order. Let me walk you through the process...
Read more
IVA Pros and Cons – Complete Analysis & FAQs
An IVA is a legally binding agreement between you and your creditors, stating that you will repay your debt over a certain period of time. IVAs are a popular debt solution in the UK, but they aren't right for everyone. Let me walk you through the pros and cons...
Read more
How Long Does an IVA Last on Your Credit Report? Answer
An IVA will last on your credit report for six years, starting from the approval date. If you finish the IVA before the six years is up, it will be marked as 'complete' on your credit report but will continue to negatively affect your credit rating. Let me explain...
Read more
IVA Spending Restrictions – Living Expenses Guide
If you have an IVA, it's vital that you abide by the spending restrictions. But, that doesn't mean that you can't enjoy yourself from time to time. Let me explain...
Read more
What Happens if I Stop Paying My IVA? Missing Payments
If you stop paying your IVA without any justifiable reason, it's very likely that your IVA will fail. To prevent this from happening, you should contact your IP to discuss your situation. Let me walk you through your options...
Read more
Debt Relief Order vs IVA – Detailed Comparison & Analysis
A Debt Relief Order (DRO) and an Individual Voluntary Arrangement (IVA) both offer distinct paths to resolving debt, each with its unique advantages and eligibility requirements. Dive in to find out which solution suits your financial situation best.
Read more
Self-Employed IVA – All You Need to Know, FAQs & Tips
A Self-Employed Individual Voluntary Arrangement (IVA) is a viable debt solution that allows self-employed individuals to arrange a repayment schedule with their creditors, while protecting their business and assets. Read on to understand this better...
Read more
Mis-sold IVA – know if your IVA has been wrongly sold to you
There are a few tell-tale signs that indicate you are being mis-sold an IVA. For example, if the creditor doesn't make the terms and conditions of the IVA clear, or there seems to be excessive fees and extra charges involved. Let me explain...
Read more
Bank Accounts that Accept IVA Customers
There are a number of bank accounts that accept IVA customers. You should choose a bank that you owe no money to and have no open credit facilities with. It's important that you check the fine print regarding your eligibility and fees. Let me walk you through your options...
Read more
IVA Credit Cards Reviews & Analysis
Entering into an IVA significantly restricts your ability to take out a credit card. But, if credit is a necessity, there are some options available to you. Let me walk you through them...
Read more
Complete Analysis of Modern IVA Fees (Full Breakdown)
Understanding the IVA fees, including Nominee fee, Supervisor fee, and disbursements, is essential for determining if an Individual Voluntary Arrangement (IVA) is an affordable debt solution for you. Dive in for a comprehensive analysis of IVA fees in 2022…
Read more
IVA or Bankruptcy? Comparisons, Analysis & FAQs
Choosing between an Individual Voluntary Arrangement (IVA) and Bankruptcy depends on your specific financial situation and your ability to manage the long-term consequences. Dive in to explore more...
Read more
What are the Requirements for an IVA? Protocols & Docs
The requirements for an Individual Voluntary Arrangement (IVA) are clearly outlined in the Straightforward Consumer IVA Protocol and are crucial for eligibility. Stay with me as we explore these in detail.
Read more
IVA Annual Reviews – Complete Guide
An IVA Annual Review will determine whether your IVA agreement is still appropriate. Your IVA payment could go up or down depending on the conclusion of the review. It's important that you prepare well for your IVA reviews. Let me walk you through the process...
Read more
Loans for People on Benefits with No Upfront Fees
It is possible to get a loan with no upfront fees whilst you receive benefits. But, before applying for a loan, you need to make sure that you meet all of the eligibility criteria. If you don't, your credit score could be harmed. Let me walk you through your options...
Read more
Using a Personal Loan for Home Purchase: Rules to Know
Technically, it is possible to take out a personal loan to buy a house. But, due to large interest rates and short repayment plans, taking out a personal loan to buy a house isn't advisable. Let me explain...
Read more
Secured Loans for Self Employed with No Accounts – Reviews
Secured loans for self-employed individuals with no accounts are indeed achievable, albeit with careful preparation and a strong understanding of the lender's requirements. Dive in to explore the landscape of such loans and arm yourself with the knowledge to succeed.
Read more
Can I Borrow Money Against My House to Buy Another Property?
You can borrow money against your house to buy another property. You could remortgage your house or even enter into an equity release scheme. Let me guide you through your options...
Read more
Orbit Debt Collection Ltd – Should You Pay?
You might not have to pay Orbit Debt Collection Ltd. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
How to Complain about Debt Collection Agencies?
To complain about a debt collection agency, you should first submit a complaint to the agency itself. If this is unsuccessful, you can complain to a higher authority, such as the Financial Ombudsman. For your complaint to be properly considered, you will need to include strong evidence. Let me walk you through the process...
Read more
Can Debt Collectors Send You to Jail?
Debt collectors cannot send you to jail. But, if you ignore a debt, they may apply for a CCJ to be issued against you. If you ignore a CCJ, you can face serious legal repercussions. Let me explain...
Read more
DWP Debt Management Letter – Should You Pay?
You might not have to pay DWP Debt Management. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
One Call Debt Recovery – Should You Really Have To Pay?
You might not have to pay One Call Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
How to Beat Debt Collectors UK? Quick guide
There are a number of different ways to beat debt collectors in the UK. First, you should always check that you are liable for the debt, and that the debt is enforceable. Let me walk you through the process...
Read more
Can Debt Collectors See Your Bank Account Balance? UK Guide
Debt collectors cannot see your bank account balance. But, if you refuse to pay, they can take you to court and request that the judge obtains evidence of your financial situation. Let me walk you through the process...
Read more
Face to Face Debt Collection Agency – Should You Pay?
You might not have to pay Face to Face Debt Collection Agency. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Can Debt Collectors Issue a Warrant? UK Collection Laws
Debt collectors cannot issue a warrant. But, bailiffs may be granted a warrant by the court as a last resort. Let me explain the process...
Read more
Debt Consolidation Loans Eligibility – Complete Breakdown
Eligibility for debt consolidation loans is determined by certain criteria, including your residency status, age, credit rating, and income, among other factors. Intrigued about your own eligibility?
Read more
Unsecured Debt Consolidation Loan – Complete Guide
An Unsecured Debt Consolidation Loan allows you to manage and pay off your debt without the need to put up any asset as collateral. Read on to get an in-depth understanding of this financial tool in 2023.
Read more
Debt Consolidation Companies Comparison
There are a lot of things to consider before taking out a debt consolidation loan. You need to review interest rates, fees, and payback periods, just to name a few. Let me walk you through it...
Read more
Debt Consolidation Calculator – How to Calculate
A Debt Consolidation Calculator allows you to determine whether merging various debts into one consolidated loan is a beneficial step for you. Read on to understand how...
Read more
Global Debt Recovery – Should You Pay?
You might not have to pay Global Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Handling Debt Collector Harassment: Know Your Rights
Debt collector harassment is illegal. If you have been harassed by debt collectors, you should make a formal complaint. Let me walk you through the process...
Read more
What Happens When a Debt Is Sold to a Collection Agency?
If your debt was sold to a collection agency, you must make all future payments to the agency. All correspondence with the original creditor will come to an end. It is likely that the agency will ask you to make one full payment, but you can negotiate a payment plan. Let me walk you through the process...
Read more
UK Debt Charities – Complete Review and Comparison
UK debt charities provide free support and advice for those struggling with financial obligations, offering services ranging from debt advice to liaising with creditors. Read on to discover the best UK debt charities and how they can help you navigate your financial journey.
Read more
Zinc Group Credit Management Debt – Should You Pay?
You might not have to pay Zinc Group Credit Management. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
How to Use the Debt Collection Ombudsman
If you've experienced harassment or malpractice from a debt collection agency, you can file an official complaint with the Debt Collection Ombudsman. Let me walk you through the process...
Read more
Debt Collection Laws in the UK
Understanding UK debt collection laws will help you to protect your rights and feel more confident throughout the debt collection process. Let me walk you through them...
Read more
CARS Debt (Creditlink Account Recovery Solutions) Should You Pay?
You might not have to pay CARS debt. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Property Debt Collection (PDC) Do You Need to Pay?
You might not have to pay Property Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Hoist Finance Debt Collection – Should You Pay? UK Laws
You might not have to pay Hoist Finance Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Debt and Revenue Services Debt Collection – Should You Pay?
You might not have to pay Debt and Revenue Services Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Can Debt Collectors Call or Come to Your Work?
Not everyone will need to pay Flint Bishop Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Credit Security Limited Debt – Must You Pay?
Not everyone will need to pay Credit Security Limited debt. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
PayPlan Debt Solutions Reviews & In-depth Info
PayPlan Debt Solutions 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.
Read more
Creditfix Debt Solutions Reviews & In-depth Info
Credit Fix Debt Solutions 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.
Read more
PayPal Debt Collection – Negative Balance Consequences
Not everyone will need to pay PayPal Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Flint Bishop Debt Recovery – Must You Pay?
Not everyone will need to pay Flint Bishop Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
CSA Arrears FAQs – Child Maintenance Complete Guide
If you fall into CSA arrears, it is likely that you will need to pay the debt. But, you may be able to agree upon a feasible repayment plan with the CSA or CMS. Let me walk you through your options...
Read more
TTI SPC Finance Debt on Credit Report – Should You Pay?
Not everyone will need to pay TTI SPC Finance. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Motormile Finance UK Limited Debt? – Should You Pay?
Not everyone will need to pay Motormile Finance UK 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…
Read more
DWP Debt Management Frequently Asked Questions
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. Let me walk you through their services...
Read more
Richburns Debt Recovery – Should You Pay?
Not everyone will need to pay Richburns Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
The Sheriffs Office Debt Collection – Do You Have to Pay?
Not everyone will need to pay The Sheriffs Office Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Trace Debt Recovery – Should You Pay?
Not everyone will need to pay Trace Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Swift Credit Services Debt – Do You Need to Pay?
Not everyone will need to pay Swift Credit 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…
Read more
How to Complain about Debt Collection Agencies? Complaints
To complain about a debt collection agency, you should first submit a complaint to the agency itself. If this is unsuccessful, you can complain to a higher authority, such as the Financial Ombudsman. For your complaint to be properly considered, you will need to include strong evidence. Let me walk you through the process...
Read more
Shire Recoveries Debt Collection – Do You Have to Pay?
Not everyone will need to pay Shire Recoveries Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Shop Direct Finance Group Debt – Should You Pay?
Not everyone will need to pay Shop Direct Finance 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…
Read more
Speed Loan Finance Debt – Should You Really Have To Pay?
Not everyone will need to pay Speed Loan Finance. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Redwood Collections Debt Recovery – Should You Pay?
Not everyone will need to pay Redwood Collections Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Reventus Enforcement Agents Debt – Should You Pay?
Not everyone will need to pay Reventus Enforcement Agents. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
PRAC Financial Limited Debt Collection – Should You Pay?
Not everyone will need to pay PRAC Financial Limited Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Persistent Debt – Everything You Need to Know with Tips
Persistent debt is a scenario where your credit card payments are predominantly consumed by interest and additional fees rather than the principal amount for over 18 months. Read on to learn how to navigate this financial quicksand effectively.
Read more
How to Dispute Your Debt in the UK
You may be able to dispute a debt. But, you need to meet strict criteria. Let me walk you through the process...
Read more
Can You Get Debt Written Off Due to Mental Health Illness?
You can get debt written off due to mental illness. But, you need to follow strict procedure to do so. Let me walk you through the process...
Read more
Someone Else’s Debt at My Address – What You Can Do
If you receive letters to your address regarding someone else's debt, you can return the letter to sender. If you continue to receive correspondence regarding the debt, you can make a formal complaint. Let me walk you through your options...
Read more
JTR Collections Debt – Must You Pay?
Not everyone will need to pay JTR Collections. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Can I Cash in My Pension and Use to Pay Off Debt?
You can cash in your pension and use it to pay off your debt. But, you can only do so if you meet strict eligibility criteria. Let me walk you through the process...
Read more
How Is Debt Divided in Divorce?
In divorce, you are not liable for any debt that is only in your partner's name. However, you should expect any jointly owned debt to be divided between the two of you. For example, credit cards are not normally split, whereas mortgages are. Let me walk you through the process...
Read more
Am I Liable for My Partners Debt? vs Spouse’s Responsibility (UK)
You are not liable for your partner's debt unless you have taken out a joint loan. Let me explain...
Read more
Max Recovery Limited Debt – You May Not Need to Pay
Not everyone will need to pay Max Recovery 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…
Read more
Section 75 Debt – All You Need to Know
Section 75 debt pertains to an employer's statutory obligation under the Pensions Act 1995 to cover any underfunded pensions or delayed payments in their defined benefit schemes. Interested to know more? Keep reading.
Read more
Hilton-Baird Debt Collection Services – Must You Pay?
Not everyone will need to pay Hilton-Baird Debt Collection 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…
Read more
What Is Acknowledgement of Debt? – Complete Guide
An Acknowledgement of Debt is a formal document that proves a debtor has accepted their indebtedness and liability to pay. It is a legal requirement to reply to a creditor regarding the acceptance or denial of debt ownership. Let me explain...
Read more
Horwich Farrelly Solicitors Debt Collectors – Must You Pay?
Not everyone will need to pay Horwich Farrelly Solicitors Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Can You Transfer Personal Debt to Business? Complete Guide
It is possible to transfer your personal debt to your business. But, there are a number of cons associated with doing so. Let me walk you through your options...
Read more
Unenforceable Debt – What You Need to Know
After 6 years, according to the Limitations Act 1980, a debt becomes unenforceable or statute-barred. But, there are strict criteria for a debt to become statute-barred, and there are some important exceptions. Let me explain...
Read more
JB Leitch Solicitors Debt Collection – Do You Have to Pay?
Not everyone will need to pay JB Leitch Solicitors Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Can You Inherit Debt?
You can't inherit debt in the UK. If someone dies with outstanding debt, their estate will be used to repay creditors. However, the situation becomes a bit more complicated if you have a joint debt with the deceased. Let me explain...
Read more
Jefferson Capital International Acquisition Debt – Should You Pay?
Not everyone will need to pay Jefferson Capital International Acquisition 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…
Read more
Proof of Debt Form – Here’s What You Can Send
A Proof of Debt form is an application that must be filed if you are owed money from an insolvent state. In the form you must include proof that you are a creditor. Let me illustrate...
Read more
Repay my DWP Debt Management Debt? – READ THIS BEFORE PAYING
If you have a DWP Debt Management debt, you should contact the department as soon as possible to discuss a repayment plan. If you don't, further enforcement action may be taken against you. Let me walk you through your options...
Read more
Debt Calculator – Find Out How Much
Debt calculators can help you to figure out how much debt you owe, how long it will take for you to repay it, and what debts you should pay off first. Let me illustrate...
Read more
First Plus Loan Debt (Elderbridge) Should You Pay?
Not everyone will need to pay First Plus Loan 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…
Read more
Can I Ask My Creditors to Freeze Credit Interest? Cards & Loans
You may be able to freeze your credit 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...
Read more
Debt Cancellation
Debt cancellation is possible when a creditor relieves a debtor of their obligation to repay, through methods like negotiation, bankruptcy, or debt relief programs. Keep reading to find out more…
Read more
Can a Visa Application be Denied Because of Debt?
Generally speaking, a visa applications shouldn't be denied just because out an outstanding debt. But, there are some exceptions. Let me explain...
Read more
Can Debt Follow You to Another Country?
If you leave the country, creditors can no longer chase you for debt that you owe. But, they can try to seize any assets you leave behind. Let me explain...
Read more
Excel Civil Enforcement Debt – Do You Have to Pay?
Not everyone will need to pay Excel Civil Enforcement. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
How to Pay Off Debt Fast with Low Income – Complete Guide
It is possible to pay off your debt quickly with a low income. However, you will have to make some compromises. For instance, you will likely need to cut down on your spending or take on more work. You could also consider a debt solution, such as a DRO or an IVA. Let me walk you through your options...
Read more
Assignment of Debt UK – All You Need to Know
An Assignment of Debt means that your creditor has passed your debt onto a third party, normally a debt collection agency. Depending on the type of assignment, the third party may be able to pursue court action over your debt. Let me explain...
Read more
Claims Advisory Service Debt – Reviews & Info
Not everyone will need to pay Claims Advisory Service 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…
Read more
Selling Debt in the UK – Complete Guide
Creditors can legally sell a debt to a third party in the UK. Once the debt has been sold, the original creditor no longer has anything to do with the debt. Instead, the new owner is responsible for recuperating the debt. Let me walk you through the process...
Read more
Can You Go to Prison for Debt? Quick Answer
You can only be sent to prison for a debt that amounts to a criminal offence, such as unpaid council tax or criminal fines. Let me explain...
Read more
FCA Auto Services Debt – Should You Really Have To Pay?
Not everyone will need to pay FCA Auto Services 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…
Read more
How To Calculate Interest on Debt? Step by Step Guide
There are two types of interest on debt. Contractual interest is the interest charged according to your credit agreement. Statutory interest is the daily interest accrued as a consequence of late repayment. For a quick estimate of the interest on your debt, try the calculator below.
Read more
Consequences of Debt – What You Need to Know
Navigating the consequences of debt can often be a stressful ordeal, full of both financial and psychological impacts. Dive into this blog to better understand the realities of debt and arm yourself with essential knowledge.
Read more
CCI Credit Management Debt – Should You Pay?
Not everyone will need to pay CCI Credit Management. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Brecon Debt Recovery – Must You Pay?
Not everyone will need to pay Brecon Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Court Enforcement Services Debt Guide
Court Enforcement Services enforce court orders on unpaid debts. If Court Enforcement Services make contact, you should try to come to a repayment agreement to avoid further legal action. Let me walk you through the process...
Read more
How Do People Get Into Debt? Dangers to Look Out For
People commonly fall into debt due to factors such as unforeseen financial responsibilities, underemployment, medical expenses, educational costs, and poor spending habits. Stick around as we delve into this important topic...
Read more
Can You Switch Energy Suppliers with Debt?
You may be able to switch energy suppliers with outstanding debt. But, your debt must be under 28 days old, or less than £500 if you have a prepayment meter. Let me explain...
Read more
Clydesdale Financial Services Debt – Do You Have to Pay?
Not everyone will need to pay Clydesdale Financial 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…
Read more
Late in Paying a Debt? Here are Your Options
If you find yourself late in paying a debt, various options exist that can help mitigate the impact, including arranging payment plans, seeking extensions, or even declaring bankruptcy. Dive in to learn more about these strategies...
Read more
Debt Letter Template
Writing a debt letter can be simplified with the right guidance and a comprehensive template. Dive in to discover how.
Read more
Andrew Wilson & Co Debt – Should You Pay?
Not everyone will need to pay Andrew Wilson & Co. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
How to Get out Of Debt with No Job
Getting out of debt without a job is feasible by applying for state funds, optimising savings, creating multiple income streams, and effectively managing your spending habits. Discover how in the paragraphs to follow...
Read more
Crystal Collections Debt Collectors – Do You Have to Pay?
Not everyone will need to pay Crystal Collections Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Creditlink Account Recovery Solutions Debt (CARS) Guide
Not everyone will need to pay Creditlink Account Recovery Solutions. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
MKDP LLP Debt Collectors – Do You Need to Pay?
Not everyone will need to pay MKDP LLP Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
How to Deal with Debt Collectors UK – Do You Need to Pay?
Not everyone will need to pay debt collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
How to Find out What Debt Collectors You Owe? Quick Guide
To find out what debt collectors you owe, you should gather all correspondence between you, your creditors, and any debt collection agencies they may have hired. You should also get a copy of your credit file. Let me walk you through the process...
Read more
How Do Debt Collectors Find You in the UK?
A debt collection agency will have access to your address via correspondence with the creditor. If the address is wrong, the agency can use public databases to find the correct details. Let me walk you through the process...
Read more
Debt Collection Agency – All You Need to Know with FAQs
Debt collection agencies specialise in chasing debts for other companies. You may not have to pay a debt collection agency, but it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
How to Stop Debt Collection Letters – Complete Guide
If the debt is legitimate, the only way to stop debt collection letters is to repay your debt or come to a repayment agreement with the debt collector. Let me walk you through your options...
Read more
How Much Do Debt Collectors Buy Debt for in the UK?
Debt collectors generally pay around 10p for every £1 of debt. However, this figure can vary significantly. Let me explain...
Read more
What Happens to Unpaid Credit Card Debt if You Move Abroad?
When you move abroad, creditors and debt collectors have limited powers to chase you for credit card debt. But, if you ignore your debt after moving abroad, you can still face serious consequences. Let me walk you through your options...
Read more
How Do I Know if My Debt Is Statute Barred? Quick Guide
Your debt is statute-barred if six years has passed since the last default notice was sent. But, there are some important exceptions. Let me explain...
Read more
What Can Debt Collectors Do UK?
UK debt collectors are legally permitted to chase you for debt. To do so, they can arrive at your residence, take money from your accounts, issue a Default Notice, apply for a CCJ, or issue a Statutory Demand. Let me walk you through the process...
Read more
Can Debt Collection Agencies Take You to Court?
Debt collection agencies can take you to court. However, there is a strict procedure that they have to follow. Let me walk you through the process...
Read more
Can You Balance Transfer Someone Else’s Credit Card Debt?
You can balance transfer someone else's credit card debt. But, there could be large transfer fees involved. Let me walk you through your options...
Read more
Can a Debt Collector Refuse a Payment Plan? Guide & UK Laws
Debt collectors are never obliged to accept any payment plan. If your offer is rejected, you should stay in contact with the creditor and try to come to a feasible arrangement. But, in some cases, this might not be possible. Let me walk you through your options...
Read more
Can Bailiffs Come for Catalogue Debt?
Catalogue companies cannot send bailiffs to your home. If you fall significantly behind on your payments and ignore correspondence, they may take court action against you by applying for a CCJ. If you fail to pay the CCJ, the court may then send bailiffs. Let me walk you through the process...
Read more
MIL Collections Debt Collectors – Should You Pay?
Not everyone will need to pay MIL Collections Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
How Long Can You Be Chased for a Council Tax Debt?
Council tax debt could be written off after 6 years. But, it's unlikely that your council will allow this to happen. If you ignore council tax debt, legal action could be taken against you. Let me walk you through your options...
Read more
Can Bailiffs Force Entry for Council Tax Debt?
A bailiff cannot force entry for council tax unless they have obtained a Controlled Goods Agreement. Even with a Controlled Goods Agreement, bailiffs can still only use 'reasonable force'. Let me explain...
Read more
Lovetts Solicitors Debt Recovery – Do You Have to Pay?
Not everyone will need to pay Lovetts Solicitors Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Thomas Higgins Bailiffs Debt – Should You Pay Back Debt?
Don’t pay Thomas Higgins Bailiffs 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…
Read more
Marlin Financial Services Ltd Debt Recovery – Must You Pay?
Not everyone will need to pay Marlin Financial Services Ltd Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Lloyds TSB Debt Recovery – Do You Need to Pay Them?
Not everyone will need to pay Lloyds TSB Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
LCS Debt Recovery (LCSDR) – Should You Pay?
Not everyone will need to pay LCS Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
JS Collections Ltd Debt Collectors – Must You Pay?
Not everyone will need to pay JS Collections Ltd Debt Collectors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
iQor Debt Collection – Should You Really Have To Pay?
Not everyone will need to pay iQor Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
DRS Collection (Debt & Revenue Services) Should You Pay?
Not everyone will need to pay DRS Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Lantern Debt Recovery UK – Should You Pay?
You might not have to pay Lantern Debt Recovery UK. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
Transcom Student Loan & eBay Debt – Should You Pay?
You might not have to pay Transcom 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…
Read more
Mortimer Clarke Solicitors Debt – Should You Pay?
Not everyone will need to pay Mortimer Clarke Solicitors. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Asset Link Capital Debt Collection – Should You Pay?
Not everyone will need to pay Asset Link Capital Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Merligen Investments Debt Collection – Should You Pay?
Not everyone will need to pay Merligen Investments Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Santander Cards Debt Collections & Recovery – Must You Pay?
Not everyone will need to pay Jefferson Santander Cards Debt Collections & Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
TDX Group Debt Recovery – Should You Really Have To Pay?
Not everyone will need to pay TDX Group Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Ardent Credit Services Debt Recovery – Should You Pay?
Not everyone will need to pay Ardent Credit Management Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Alex M Adamson Debt: Here’s Whether You Should Pay
Not everyone will need to pay Alex M Adamson Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
What Happens to Unpaid Credit Card Debt After 7 Years?
Unpaid credit card debt may be written off after 7 years. But, there is strict criteria for debt write off in the UK. Let me explain...
Read more
How Much Will Debt Collectors Settle For?
There is no set amount that debt collectors will settle for. Your offer should depend on what you can reasonably afford, and the size of the debt you owe. Let me walk you through the settlement process...
Read more
Credit Card Debt After Death of Spouse UK – Complete Guide
If your spouse passed away with an outstanding credit card debt, you are not required to pay it, even if you were an additional cardholder. Let me walk you through the process...
Read more
Credit Card Debt Written Off – Tips, Tricks, FAQs & More
Credit card debt can indeed be written off in certain circumstances, particularly when the situation is dire and it's unlikely that the borrower can make the repayments. Read on to uncover the various paths and potential solutions to manage such debt situations effectively.
Read more
How Not to Pay Debt Collectors When You Can’t Afford to Pay
If you can't afford to pay a debt collection agency, you should consider a debt management solution such as an IVA, a Debt Relief Order, or a Debt Management Plan. Let me walk you through your options...
Read more
How to Stop Debt Collectors Coming to My House/ Home?
Preventing debt collectors from visiting your home hinges on understanding your rights and the legal boundaries they are required to respect. Keep reading to unravel your options...
Read more
What Rights Do Debt Collectors Have?
Debt collectors do not have the same rights as bailiffs. They cannot forcibly enter your residence or seize goods. However, you shouldn't ignore debt collectors. If you do, further enforcement action could be taken. Let me explain...
Read more
Can Bailiffs Take My Property for My Son’s Debt?
Bailiffs cannot take your belongings for your son's debt. They cannot force entry or take goods without a liability order or a warrant of control. Let me explain the process...
Read more
Can Bailiffs Take My Belongings for Someone Else’s Debt?
Bailiffs cannot take your belongings for someone else's debt. They cannot force entry or take goods without a liability order or a warrant of control. Let me explain the process...
Read more
Credit Card Help – Complete Guide
Navigating credit card usage can be tricky, but understanding how they work, how to avoid debt, and your options if you do find yourself in debt can make the process much more manageable. Keep reading for your comprehensive guide to tackling credit card challenges.
Read more
How Long Before an Unpaid Debt is Written Off?
Unpaid debt can be written off after six years in the UK. However, there is strict criteria for debt write off. Let me walk you through the process...
Read more
Can You Write Off Unsecured Loan Debt? Complete Guide
You may be able to write off your unsecured loan debt. To do so, you should consider using a debt solution, such as an IVA, a DRO, or a Full and Final Settlement Offer. Let me walk you through your options...
Read more
Statute Barred Debt Letter – Free Sample Letter Template
A statute-barred debt can be rendered unenforceable and creditors can be legally stopped from contacting you about it. Dive in to discover how…
Read more
Statute Barred Debt Credit File – How It Affects Your Rating
A statute barred status will not appear on your credit file. However, any negative markers reported by the lender, such as missed payments or defaults, will remain on your file for 6 years. Let me explain...
Read more
Statute of Limitations UK Debt
The Statute of Limitations on UK debt is 6 years. But, there are strict conditions for this limitation period to be valid. Let me explain...
Read more
Guide and Laws for Student Loan Debt Write-off
There are a number of ways to get your student loan debt written off. However, how you write off your debt will depend on whether you have a Plan 1 or Plan 2 loan. Let me walk you through your options...
Read more
Write Off Debt Due to Illness – Terminally Ill Forgiveness
You may be able to write off your debt due to illness. But, it may be easier to convince your creditor to give you some breathing space or a payment holiday. Let me walk you through your options...
Read more
What Happens to Debt When You Go to Jail?
Some of your debt may be written off when you're in jail. But, this isn't necessarily the case. In fact, if you don't get on top of your debt, legal action could be taken against you whilst you're in jail. Let me walk you through your options...
Read more
Unsecured Debt Consolidation Loan In-depth Info
Debt consolidation can be an effective way of making your debts more manageable. Most debt consolidation loans you find on the market are secured. This means that they are only available to homeowners or people who can put up some sort of collateral. However, unsecured debt consolidation loans are also available and they can also […]
Read more
Non Recourse Debt – All You Need to Know with FAQs
Non-recourse debt is a loan type where, if you default, the lender can only seize the collateral pledged and cannot go after any additional assets for repayment. Ready to learn more?
Read more
Can They Take Your House for Credit Card Debt?
Your house cannot be taken to repay credit card debt. But, if you ignore credit card debt, legal action may be taken against you and your belongings could eventually be seized. Let me walk you through your options...
Read more
What Happens to Debt when You Die?
Upon death, any outstanding debts become a liability on the deceased person's estate, which includes their money, valuable assets, and property. Dive in to learn more about this intricate process.
Read more
Struggling to Pay Credit Card Debt – Guide, FAQs & More
Struggling with credit card debt can be overcome by prioritising payments, seeking help from debt advice services, and effectively communicating with your credit card company. Read on to explore more detailed solutions and strategies.
Read more
What Happens if You ignore Debt Collectors?
You shouldn't ignore debt collectors. If you do, it's likely that further enforcement action will be taken. Let me walk you through your options...
Read more
Simple Guide to Remortgaging With Credit Card Debt
You might be able to remortgage with credit card debt. But, depending on your credit score, it could be very difficult to do so. Let me walk you through your options...
Read more
Simple Breakdown of Average UK Mortgage Debt by Age
The average UK mortgage debt in 2021 was £137,934. The 2022 figure was significantly impacted by the COVID-19 pandemic. Let me explain...
Read more
How Long can Debt Collectors Try to Collect UK?
According to the Limitations Act 1980, a debt collector has six years to pursue your debt. However, there are important exceptions to this rule. Let me explain...
Read more
Additional Borrowing on Mortgage to Clear Debt – Guide
Additional borrowing on a mortgage is the process of borrowing more money from your mortgage lender. Additional borrowing can be used to clear or consolidate debt, but it isn't always a wise decision. Let me explain...
Read more
How Does Credit Card Debt Affect Getting a Mortgage?
You may still be able to get a mortgage if you have a credit card debt. But, it is likely to be a difficult process. Let me walk you through your options...
Read more
How Much Debt Can I Have and Still Get a Mortgage?
Mortgage lenders will look at your Debt-to-Income ratio (DTI) as one way to measure your eligibility. To get a mortgage, you should try to keep your DTI ratio below 36%. Let me explain...
Read more
Restons Solicitors Debt – Should You Pay?
You might not have to pay Restons Solicitors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
Elliott Davies Bailiffs – Should You Pay Debt?
Don’t pay Elliott Davies Bailiffs 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…
Read more
Creation Financial Services Debt Collection – Must You Pay?
Not everyone will need to pay Creation Financial 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…
Read more
Chandlers Enforcement Agents – Should You Pay The Bailiffs?
Don’t pay Chandlers Enforcement Agents 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…
Read more
Central Debt Collection Services – Do You Need to Pay?
Not everyone will need to pay Central Debt Collection 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…
Read more
PO Box 140 Normanton WF6 1YA Debt Letter – Who is it?
If you've received a PO Box 140 Normanton 1F6 1YA debt letter, it is likely from Lloyds Banking Group. It’s important that you don’t ignore these letters as it could escalate to something serious. Let me walk you through your options….
Read more
DCBL Bailiffs Debt Letter – Should You Pay?
Don't pay DCBL Bailiffs 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…
Read more
Link Financial Debt – Should You Pay?
You might not have to pay Link 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…
Read more
Allied International Credit Debt (AIC) Should You Pay?
You might not have to pay Allied International Credit 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…
Read more
CRS Debt Collectors (Credit Resource Solutions) Should You Pay?
You might not have to pay CRS 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…
Read more
Capitol Commercial Collections Debt – Do You Have to Pay?
Not everyone will need to pay Capitol Commercial Collections. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
Capita Returns Management Debt Collection – Should You Pay?
Not everyone will need to pay Capita Returns Management Debt Collection. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…
Read more
HFC Bank Ltd – What Happened to Them?
Not everyone will need to pay HFC Bank 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…
Read more
Indigo Michael Ltd Debt – Should You Pay?
You might not have to pay Indigo Michael 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…
Read more
Moriarty Law Debt Collection – Should You Pay?
You might not have to pay Moriarty Law 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…
Read more
Phillips & Cohen Associates Debt – Should You Pay?
You might not have to pay Phillips & Cohen Associates. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
Stirling Park Debt Collection – Should You Pay?
You might not have to pay Stirling Park 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…
Read more
Rundles Enforcement Agents Debt – Pay the Bailiffs?
Don’t pay Rundles Enforcement Agents 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…
Read more
Daniels Silverman Debt Collectors – Should You Pay?
You might not have to pay Daniels Silverman 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…
Read more
Scott and Co Debt Collectors – Should You Pay?
You might not have to pay Scott and Co 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…
Read more
STA International Debt Collection – Should You Pay?
You might not have to pay STA 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…
Read more
Opos Limited Debt Collection – Should You Pay?
You might not have to pay Opos Limited 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…
Read more
Oriel Collections Debt – Should You Pay?
You might not have to pay Oriel 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…
Read more
Walker Love Debt Collectors – Do You Have to Pay?
You might not have to pay Walker Love 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…
Read more
Capital Resolve Debt Recovery – Should You Pay?
You might not have to pay Capital Resolve 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…
Read more
JC International Acquisition LLC Debt Collection Guide
You might not have to pay JC International Acquisition LLC 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…
Read more
Icon Collections Debt – Do You Have to Pay?
You might not have to pay Icon 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…
Read more
BCW Group PLC Debt Collectors – Must You Pay?
You might not have to pay BCW Group PLC 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…
Read more
Credit Style Debt (CST Law) Should You Pay?
You might not have to pay Credit Style 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…
Read more
Download The “Prove It” Letter Templates
If you're contacted by a debt collection agency, you should first ask them to prove that you owe the debt. To do so, you need to send them a letter. Let me walk you through the process...
Read more
Find Out If Your Debt Is Statute-Barred with Letter Template
Your debt becomes statute-barred or extinguished after a certain time period if not acknowledged or repaid, varying between six years in England and Wales, and five in Scotland. Read on to discover the nuances of this process and how to handle potential debt collectors.
Read more
Advantis Credit Debt Collection – Should You Pay?
You might not have to pay Advantis Credit 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…
Read more
Debt Managers Ltd Debt Collectors – Should you Pay?
You might not have to pay Debt Managers Ltd 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…
Read more
1st Credit Debt Collection – Must You Pay? Read Here First
You might not have to pay 1st Credit 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…
Read more
Arc Europe Ltd Debt Collection – Should You Pay?
You might not have to pay Arc Europe Ltd 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…
Read more
BPO Collections Debt – Should You Pay?
You might not have to pay BPO Collections 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…
Read more
CapQuest Debt Recovery – Should You Pay?
You might not have to pay CapQuest 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…
Read more
Credit Solutions Ltd Debt Collectors (CSL) – Should You Pay?
You might not have to pay Credit Solutions Ltd 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…
Read more
Drydensfairfax Solicitors Debt – Should You Pay?
You might not have to pay Drydensfairfax Solicitors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
Fredrickson International Debt Collectors (Fredpay) – Must You Pay?
You might not have to pay Fredrickson International Debt Collectors (Fredpay). But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
Intrum Debt Collection – Should You Pay? UK Guide
You might not have to pay Intrum 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…
Read more
Idem Servicing Debt Collectors – Should You Pay?
You might not have to pay Idem Servicing 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…
Read more
Lucas Credit Services Ltd Debt Collectors – Must You Pay?
If a letter from Lucas Credit Services Ltd Debt Collectors has landed on your mat, don’t panic. You are not alone. Each month, over 170,000 people come to our website for information about similar debt matters. In this clear guide, we will help you understand: Our team includes people who have faced debt collectors in […]
Read more
Robinson Way Debt Collectors – Do You Really Need to Pay?
You might not have to pay Robinson Way 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…
Read more
Wescot Credit Services Debt Collectors – Should You Pay?
You might not have to pay Wescot Credit Services 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…
Read more
Bristow and Sutor Debt – Should You Pay?
Don't pay Bristow and Sutor 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…
Read more
Newlyn Plc Bailiffs Debt – Should You Pay?
Don't pay Newlyn Plc Bailiffs 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…
Read more
Ross & Roberts Bailiffs Debt Collectors – Should You Pay?
Don't pay Ross & Roberts Bailiffs 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…
Read more
SLL Capital Debt Collectors – Do You Have to Pay?
You might not have to pay SLL Capital 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…
Read more
Arrow Global Debt – Should You Really Have To Pay?
You might not have to pay Arrow Global 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…
Read more
Arvato Financial Solutions Debt – Should You Pay?
You might not have to pay Arvato Financial Solutions. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
Debt Recovery Plus Ltd (DRP) Should You Pay the Parking Ticket?
You might not have to pay Debt Recovery Plus 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…
Read more
Shoosmiths Debt Recovery & Collection – Do You Have to Pay?
You might not have to pay Shoosmiths Debt Recovery & 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…
Read more
Will I Lose my House if I File Bankruptcy?
Filing for bankruptcy may lead to the loss of your house, particularly if there's more than £1,000 in equity involved. However, it's not a given; keep reading to understand the nuances.
Read more
Does Clearpay Affect Credit Score? Does it Help or Destroy?
Clearpay can impact your credit score negatively if you fail to keep up with repayments, leading to potential debt collection actions. Let's dive deeper into this topic...
Read more
Does Klarna Affect Credit Score If You Don’t Pay?
Failing to pay your Klarna debts can indeed impact your credit score negatively. Let's delve deeper...
Read more
Universal Credit Overpayment Not My Fault – How to Dispute
Universal credit overpayments, though not always your fault, are legally recognised as debts owed to the UK government which must be rectified. Discover how to challenge this below…
Read more
Student Loan Overpayment Debt Collection – Do I Have to Pay?
Yes, if you've been overpaid by the Student Loan Company, you are legally required to return the excess funds. Let's delve into the details...
Read more
01782971401 – Who Called? Stop Advantis Debt Collection
Curious about the calls from 01782971401 and how to stop Advantis debt collection? Get all the answers and effective advice in this article.
Read more
01134870430 – Who Called? Stop BW Legal Debt Collectors
The number 01134870430 is associated with the UK's largest debt collection agency, BW Legal, which persistently calls to organise debt repayment. Read on to find out how to stop these calls and manage your debts effectively.
Read more
01482483281 – Who Called? Stop Wescot Debt Collectors
The missed call you received from 01482483281 was from Wescot Debt Collectors, a legitimate debt recovery agency in the UK. Dive in to discover what this means for you and how to navigate the situation.
Read more
01513056749 – Who Called? Stop Debt and Revenue Services
The call you received from 01513056749 is from Debt and Revenue Services, a legitimate debt collection agency based in the UK. Read on to uncover more about who they are and what your next steps should be.
Read more
01782401192 – Who Called? Stop Advantis Debt Collectors
The call you received from 01782401192 is likely from Advantis Debt Collection, a busy UK debt collection agency. Read on to discover how to navigate their persistent calls...
Read more
01142317440 – Who Called? Stop Bluestone Debt Collectors
If you're receiving calls from 01142317440, it's Bluestone Debt Collectors, a prominent UK debt collection agency, trying to connect with you. But why they're contacting you and how can you manage these calls.
Read more
Fixed Penalty Notice for Tinted Windows – Points & Fine Amount
Yes, you can receive a Fixed Penalty Notice in the UK for overly tinted windows, likely facing a fine and potentially points on your licence. Read on to understand the details…
Read more
Metropolitan Police Service Fixed Penalty Notice Payment Guide
Paying your Metropolitan Police Service Fixed Penalty Notice is a straightforward process with several options, including online payments. Discover the full procedure and potential consequences of non-payment here...
Read more
Equita Bailiffs Debt Collectors – Should You Pay?
Don't pay Equita Bailiffs Debt Collectors 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…
Read more
PDCS Pastdue Credit Solutions Debt – Should You Pay?
You might not have to pay PDCS Pastdue Credit Solutions. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
01513293649 – Who Called? Stop Global Recovery Services
The mysterious number 01513293649 that has been calling you is associated with Global Recovery Services, a debt collection agency. Read on to understand why they are calling and how you can deal with it effectively.
Read more
BW Legal Debt Collectors – Should You Pay?
You might not have to pay BW Legal 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…
Read more
Resolvecall Debt Collectors (Resolve Call) – Should You Pay?
You might not have to pay Resolvecall 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…
Read more
Lowell Financial Debt Collection – Should You Pay?
You might not have to pay Lowell Financial 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…
Read more
Howard Cohen & Co Debt Collectors – Do You Have to Pay?
You might not have to pay Howard Cohen & Co 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…
Read more
Cabot Financial Debt Collectors – Should You Pay?
You might not have to pay Cabot Financial 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…
Read more
Moorcroft Debt Recovery – Should You Pay?
You might not have 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…
Read more
Apex Credit Management Debt Collectors – Should You Pay?
You might not have to pay Apex Credit Management 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…
Read more
01563546518 – Who Called? Stop Stirling Park Debt Collectors
The call you received from 01563546518 was likely from Stirling Park Debt Collectors, a regulated debt collection agency in the UK. Find out how to effectively manage their contact attempts in the following article.
Read more
Ruthbridge Debt Collectors – Do You Have to Pay?
You might not have to pay Ruthbridge 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…
Read more
The UK’s Money-Savviest Cities (2024)
Manchester has emerged as the UK's most money-savvy city in 2023. Discover why below...
Read more
EOS Solutions Debt Collection – Must You Pay?
You might not have to pay 1EOS Solutions 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…
Read more
08081965550 – Who Called? Stop PRA Debt Collectors
Calls from 08081965550 are initiated by PRA Group, a prominent debt collection agency in the UK. Find out what steps you can take next in the content below...
Read more
Bryan Carter and Co Solicitors Debt – Do You Have to Pay?
You might not have to pay Bryan Carter and Co Solicitors. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
DLC Debt Collection – Must You Pay? Read Here (Telford)
You might not have to pay DLC 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…
Read more
NCO Europe Debt Collection – Should You Pay?
You might not have to pay NCO Europe 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…
Read more
01389493417 – Who Called? Stop Opos Debt Collectors
The phone number 01389493417 belongs to Opos Debt Collectors, a real debt collection agency based in Scotland. Discover more about who they are, what they want, and how to handle their calls below.
Read more
Central Debt Recovery Unit Group Debt – Do You Need to Pay?
You might not have to pay Central 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…
Read more
Tax Credits Overpayment was Not My Fault – How to Dispute
Disputing a tax credits overpayment in the UK is possible if you believe the mistake wasn't yours. Read on to learn more...
Read more
Metropolitan Collection Services Debt – Must You Pay?
You might not have to pay Metropolitan Collection Services. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
Buchanan, Clark and Wells Debt Collectors – Should You Pay?
You might not have to pay Buchanan, Clark and Wells 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…
Read more
What Is a Compliance Officer in DWP? How Best to Prepare
A DWP compliance officer is a fact-finder sent by the Department of Work and Pensions to investigate anomalies with benefits or pension payments. Discover why they might visit your home...
Read more
Mackenzie Hall Debt Collectors – Do You Have to Pay?
You might not have to pay Mackenzie Hall 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…
Read more
Severn Trent Water Debt Collection – Do I Really Have to Pay?
Wondering if you really have to pay Severn Trent Water debt collection? We've got you covered...
Read more
BLS Debt Collections – Must You Pay? Read Here
You might not have to pay BLS Debt 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…
Read more
Clearscore vs Experian – Why Are The Scores Different?
Clearscore and Experian may show different credit scores due to their unique proprietary algorithms used to calculate your creditworthiness. Let's dive deeper into these differences...
Read more
Blair, Oliver and Scott Debt Collectors – Should You Pay?
You might not have to pay Blair, Oliver, and Scott 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…
Read more
How to Remove Charge on Property & How Long Does It Take?
Removing a charge on a property involves repaying the secured debt and may require an application to the Land Registry if the lender doesn't initiate the process. Continue reading to learn more about the specifics and the time frame of this procedure.
Read more
CL Finance Limited Debt – Do You Have to Pay?
You might not have to pay CL Finance 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…
Read more
Is Clearscore Accurate & Could My Score be Wrong?
Clearscore's accuracy is usually reliable as it pulls information from Experian, but there could be occasional discrepancies due to errors in reporting. Curious about the specifics?
Read more
Here’s Whether You Should Pay Judge & Priestley Debt
You might not have to pay Judge and Priestley 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…
Read more
How to Spot a Fake Penalty Charge Notice
Recognising a fake Penalty Charge Notice involves being aware of the signs of deceit and understanding the legitimate process of issuing these notices. Dive in to learn more about this important topic.
Read more
Harlands Group Debt – Should You Pay?
You might not have to pay Harlands 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…
Read more
Can I Pay a Fixed Penalty Notice Online? How to Guide
Yes, a Fixed Penalty Notice can be paid online, offering a swift and convenient solution for motorists. Discover the complete process in the following text.
Read more
TBI Financial Services Ltd Debt Collectors – Should You Pay?
You might not have to pay TBI Financial Services Ltd 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…
Read more
Rockwell Debt Collection Agency – Do You Need to Pay?
You might not have to pay Rockwell 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…
Read more
Elderbridge re: HCA Debt – Should You Pay?
You might not have to pay Elderbridge 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…
Read more
Newman and Company Ltd Debt Collectors – Do You Need to Pay?
You might not have to pay Newman and Company Ltd 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…
Read more
Marlin Capital Europe Limited Debt Collectors – Pay?
You might not have to pay Marlin Capital Europe Limited 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…
Read more
Debt Management Services Ltd (DMS) Do You Have to Pay?
You might not have to pay Debt Management Services 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…
Read more
CCS Collect Debt (CCSCollect) Should You Pay?
You might not have to pay CCS Collect. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
Shakespeare Martineau Debt Recovery – Must You Pay?
You might not have to pay Shakespeare Martineau 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…
Read more
QDR Solicitors Debt Recovery – Should You Pay?
You might not have to pay QDR 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…
Read more
PRA Group UK Limited Debt – Should You Pay?
You might not have to pay PRA Group UK 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…
Read more
Marston Holdings Debt Recovery – Should You Pay?
Don't pay Marston Holdings Debt Recovery 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…
Read more
Jacobs Enforcement Agents Debt – Should You Pay?
You might not have to pay Jacobs Enforcement Agents. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
Get a Refund on Your Loan – Irresponsible Lending Letter Templates
If you believe you were mis-sold a loan, you could claim compensation or a refund. To do so, you need to gather evidence and send a letter of complaint. Let me illustrate...
Read more
NCP Pay Later Online – How to Avoid Extra Charges
The NCP Pay Later Online service allows you to pay for your parking at an NCP-managed car park after leaving, thereby avoiding any extra charges. Curious about how it works? Let's delve into it...
Read more
Hanover Insolvency Reviews & In-depth Info
Hanover Insolvency 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.
Read more
Hillesden Securities Ltd Debt Collectors – Do You Have to Pay?
You might not have to pay Hillesden Securities Ltd 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…
Read more
Debt Management For Unemployed People
Debt management offers a feasible solution for unemployed individuals, consolidating their bills and reducing the debt to a manageable monthly sum. Intrigued? Let's explore.
Read more
Get Debts Written Off – What’s Possible in
In 2022, it is possible to have your debts written off under certain conditions such as lack of income or assets, permanent inability to work, declaration of insolvency, or if your debts are over six years old. Intrigued? Let's delve in...
Read more
Full and Final Settlement Offer – Complete Guide
A Full and Final Settlement Offer is the process of asking your creditors if you can pay a reduced lump sum to write off your debt. For a Full and Final Settlement Offer to be successful, the proposed lump sum needs to be a feasible amount for you and your creditors. Let me walk you through the process...
Read more
Using Bankruptcy to Get Out of Debt
Bankruptcy, a severe yet potential pathway for overcoming debt, involves your debts being eliminated after a year, albeit with significant ramifications. Read on to delve into the intricacies of this financial decision.
Read more
Debt Management Plans vs Bankruptcy – Which Is best?
Choosing between a Debt Management Plan and bankruptcy largely depends on your personal circumstances, both presenting different advantages and implications. Dive in to understand more.
Read more
Snowball Method vs Debt Management Plan (DMP)
Choosing between the Snowball Method and a Debt Management Plan (DMP) depends on your specific financial circumstances and your ability to consistently make payments. Read on to understand which option could work best for you…
Read more
Snowball Method For Debt – Complete Guide
The Snowball Method offers a systematic and motivational approach to eliminating multiple debts, starting with the smallest. Keep reading to learn why this may be the debt-clearing strategy you've been seeking.
Read more
How to Deal with Debt Collectors – Do You Need to Pay?
You might not have to pay 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…
Read more
What Happens When You Default On A Loan?
When you default on a loan, the creditor is legally allowed to recover your debt in full. Your credit score will also suffer, and you could face legal action. Let me walk you through the process...
Read more
The Statute Barred Debts Scam – Warning
The Statute Barred Debts Scam involves debt purchasing companies capitalising on fuzzy legal areas around the recovery of old debts. Keep reading to arm yourself against these practices…
Read more
HO Collections Account Debt – Do You Need to Pay?
You might not have to pay HO Collections Account. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
HFO Capital Services Limited Debt – Do You Have to Pay?
You might not have to pay HFO Capital 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…
Read more
The Cheapest and Happiest Cities to Raise a Family
Budapest and Stockholm have emerged as the cheapest and happiest cities to raise a family in 2023. Read on to discover more!
Read more
How to Get a CCJ Removed From Your Credit File
A County Court Judgement (CCJ) can be removed from your credit file after six years, or earlier if the debt is paid within 30 days of the CCJ being issued, or if the debt can be proven non-existent. Dive in to understand more.
Read more
Warrant of Control Sent to Wrong Address – Your Rights
If a Warrant of Control has been sent to the wrong address, you have specific rights and potential courses of action. Ready to explore what to do next?
Read more
Fines AEO on Payslip – Here’s Why and How to Stop Them
Fines marked as AEO on your payslip refer to an Attachment of Earnings Order, where debt repayments are taken directly from your salary by your employer, but there are ways to halt them. Interested in finding out how?
Read more
Ratesetter Loans (Rate Setter) All You Need to Know
RateSetter is a peer-to-peer platform that connects people who want to borrow money and those who have money to invest. Before taking out a Ratesetter loan, you need to consider APR, repayment periods, and fees. Let me walk you through the details...
Read more
Can’t Afford to get to Work – Here’s What You Should Do
When faced with the distressing situation of not being able to afford commuting to your job, there are viable steps you can take such as exploring potential benefits, seeking debt advice and possibly reevaluating your commuting options. Read on to find your path towards financial relief...
Read more
PO Box 300 Northampton NN1 2TX – Who’s Contacting Me?
The entity contacting you from PO Box 300 Northampton NN1 2TX is likely Northampton County Court Business Centre regarding a legal claim. Read on for essential insights...
Read more
Oakam Loans Reviews & In-depth Info (Oakham)
This blog post delivers comprehensive reviews and detailed information about Oakam Loans, a UK-based private lender offering solutions for underserved borrowers. Keep reading to discover if their services align with your financial needs.
Read more
Can Creditors Contact You After IVA? Know The Rules
Creditors generally are not allowed to contact you after an IVA has been put in place. Keep reading to understand the nuances and what steps to take if they do.
Read more
Amigo Loans Refund, Complaints & Claims
If you believe that you were mis-sold an amigo loan, you could claim compensation or a refund. To do so, you need to head to the Amigo website. Alternatively, you could contact the Ombudsman. But, you will need good evidence for your application to be successful. Let me walk you through the process...
Read more
Does an IVA Affect Car Insurance?
Being under an Individual Voluntary Agreement (IVA) can indeed impact your ability to secure affordable car insurance due to credit restrictions. Curious about the details?
Read more
Provident Loans Refund, Complaints & Claims
If you believe you were mis-sold a Provident loan, you could claim compensation or a refund. To do so, you need to head to Provident's website. Alternatively, you could contact the Ombudsman. But, you will need good evidence for your application to be successful. Let me walk you through the process...
Read more
Bailiffs Turning up for Previous Tenants – What To Do
When bailiffs turn up for previous tenants, you can assert your rights and take appropriate steps to prove the debt isn't yours. Let's delve into the details…
Read more
PO Box 189 Huddersfield HD8 1DY – Who’s Contacting Me?
PO Box 189 Huddersfield HD8 1DY is an address used by Lowell Financial. You should not ignore letters from Lowell Financial as further enforcement action could be taken. Let me walk you through your options...
Read more
Anglia Debt Collection & Repossession – Pay? UK Laws
You might not have to pay Anglia Debt Collection & Repossession. But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
FPN Codes – Full List with Points and Fine Amounts
This article provides a comprehensive list of Fixed Penalty Notice (FPN) codes in the UK, detailing the penalty points and fines associated with each. Stay tuned for clarity on this essential traffic regulation knowledge.
Read more
Allpay Debt Collection – Should You Really Have To Pay?
You might not have to pay Allpay 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…
Read more
Fixed Penalty Notice Visa Application – Will It Be Affected?
A Fixed Penalty Notice (FPN) may or may not impact your UK visa application, depending largely on your response to the notice and your overall history. Keep reading to understand this intricate interplay further.
Read more
Whyte & Co. Bailiffs Debt Collectors – Do You Have to Pay?
Don’t pay Whyte & Co. Bailiffs 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…
Read more
01782401121 – Who Called? Stop Advantis Debt Collectors
The call you received from 01782401121 is associated with Advantis Debt Collectors, a well-known debt collection agency in the UK. Read on to discover more.
Read more
Rundle & Co. Bailiff Enforcement Harassment – Must You Pay?
Don’t pay Rundle & Co. Bailiffs 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…
Read more
Dukes Bailiffs Debt: Find Out If You Need To Pay
Don't pay Dukes Bailiffs 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…
Read more
What Happens to my IVA if I Lose My Job?
If you lose your job while on an Individual Voluntary Arrangement (IVA), your insolvency practitioner may allow you a 'payment break', giving you time to secure new employment. Dive in to learn more…
Read more
QuickQuid & CashEuroNet Information – Refunds & Updates
In 2019, QuickQuid (a trading name of CashEuroNet) went into administration. The loan provider is not taking on any more customers, but, any outstanding loans are subject to FCA regulations. If you have an outstanding loan with QuickQuid, it's important that you understand what the new regulations mean for you. Let me explain...
Read more
Andrew James Enforcement Bailiffs Debt – Should You Pay?
Don’t pay Andrew James Enforcement Bailiffs 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…
Read more
CCMCC (County Court Money Claims Centre) – What You Can Do
If you’ve been contacted by the County Court Money Claims Centre (CCMCC) about a debt you owe, you might be feeling worried. You’re not alone – every month, over 4,600 people turn to us for advice on dealing with debts and courts. This article will share important information to help you: We know that dealing […]
Read more
Find Out Whether Bailiffs Could Take Your TV
Yes, bailiffs can take your TV as it's considered a non-essential luxury item during the recovery of unpaid debts. Keep reading to learn more about rules bailiffs have to abide by in 2023.
Read more
Rossendales Debt Collectors – Must You Pay?
You might not have to pay Rossendales 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…
Read more
Reliable Collections Debt Recovery – Do You Have to Pay?
You might not have to pay Reliable Collections 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…
Read more
Can Bailiffs Take my Work Van and Tools?
Worried about bailiffs taking your work van and tools? Discover the rules and protections in place to safeguard your essential work equipment in this informative guide.
Read more
Nationwide Debt Recovery Debt Collection – Should You Pay?
You might not have to pay Nationwide 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…
Read more
NewDay Debt Collection – Do You Have to Pay?
Have you got a surprise letter from NewDay Debt Collection and are unsure about what to do next? Don’t worry; you’re in the right place. Our website helps over 170,000 people each month to understand and deal with debt situations. You’re not alone, and we’re here to guide you. This article will provide simple and […]
Read more
02033733588 – Who Called? Stop One Source Debt Resolution
The frequent calls you're receiving from 02033733588 are from One Source Debt Resolution, a bailiff company operating in the UK. Keep reading to understand their practices and how to navigate their tactics...
Read more
How Long Does Bankruptcy Stay on Credit Report?
Are you worried about your debts and thinking about bankruptcy? Every month, more than 170,000 people visit our website seeking advice on this very issue. In our complete guide to bankruptcy, we aim to answer all your questions and help you understand your options better. We’ll explain: We know it’s tough to deal with debt; […]
Read more
Don’t Ignore A CCJ! Here’s Why You Should Respond
Are you worried about a County Court Judgement (CCJ)? You might be feeling scared about a bailiff coming to your home or stressed about your things being taken away. You’re not alone. Over 170,000 people come to our website seeking advice on their debt issues each month, and Citizens Advice estimate households have around £18.9 […]
Read more
Can You Lose Your House with Equity Release?
Under most circumstances and when dealing with Equity Release Council-approved lenders, you will not lose your house due to equity release, even in a negative equity situation. Want to understand why?
Read more
Never Paid Council Tax – Consequences If You Don’t Pay!
Not paying your council tax can lead to severe consequences, including potential legal action. Keep reading to learn more about the potential outcomes and how to avoid them.
Read more
Housing Benefit Overpayment Not My Fault – Write Off Debt?
Housing benefit overpayment, when not your fault, could potentially be written off under certain circumstances. Read on to understand these conditions and how to handle such situations.
Read more
Credit Resource Solutions Debt (CSR) – Should You Pay?
You might not have to pay Credit Resource Solutions (CSR). But, it’s important that you don’t ignore them as it could escalate to something serious. Let me walk you through your options…
Read more
How Often Does Clearscore Update & When Exactly?
ClearScore updates its records once per week, providing you with regular insights into your credit status. Want to understand the process?
Read more
Can’t Pay Back Your Loan – What Can You Do?
If you're unable to repay your loan, the initial steps include speaking to your loan company and possibly pausing your repayments while you get debt advice. Dive in to understand more…
Read more
Why Are Bailiffs Rude? Psychological Tactics to Fight Back!
If you're facing a county court bailiff due to unpaid debts, remember that you have rights and there are certain rules the bailiffs must follow. Want to learn how to navigate this stressful situation?
Read more
Can I Have a Savings Account with A DMP?
Yes, you can have a savings account while on a Debt Management Plan (DMP), albeit with some considerations. Ready to dive into the details?
Read more
Reduce Your Monthly Loan Repayments – Here’s How
Reducing your monthly loan repayments can be achieved by leveraging record-low loan rates and effectively negotiating with your current lender. Curious to learn more? Dive in...
Read more
01782971404 – Who Called? Stop Advantis Debt Collectors
The caller on 01782971404 is most likely Advantis Debt Collection, a prominent UK debt collection agency. Delve into this article to equip yourself against their persistent attempts...
Read more
Using A Credit Card As A Loan – Is It Possible?
Yes, using a credit card as a loan is indeed possible, and under certain circumstances, it could even prove cheaper than a personal loan. Ready to explore how? Let's dive in!
Read more
01516504800 – Who Called? Stop Jacobs Enforcement
A call from the number 01516504800 is from Jacobs Enforcement, a bailiff company working to enforce debt repayments. Keep reading to understand why they might be contacting you and what to do about it.
Read more
Should I Repay My Student Loan? Understanding Debt Rules
Repaying your student loan in the UK is a decision that should be guided by factors such as other debts and the start year of your higher education. Dive in for clarity…
Read more
Arvato Financial Solutions Debt Collectors – Should You Pay? (Arvatofs email)
You might not have to pay Arvato Financial Solutions 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…
Read more
Does Zilch Improve Credit Score or Ruin it? Fact Check
Using Zilch, a Buy Now Pay Later service, can impact your credit score negatively if repayments are missed or late. Read on to get the full picture and how to manage such potential risks.
Read more
CCJ Sent to Old Address – Your Defence
Discovering that a CCJ was sent to your old address can be alarming, but don't panic. . Read on to protect your credit file and understand your options.
Read more
Aktiv Kapital Debt Collectors – Do You Need to Pay?
You might not have to pay Aktiv Kapital 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…
Read more
What is a Good Clearscore Affordability Score out of 100?
A good Clearscore affordability score out of 100 is generally considered to be anything above 80, indicating a high likelihood of being approved for credit. Let's unpack this further...
Read more
Can Bailiffs Take Pets? Here’s The Rules
Curious about whether bailiffs can take pets? Discover the rules regarding what bailiffs can and cannot take when they visit your home.
Read more
1st Locate UK Debt Collection – Should You Pay?
You might not have to pay 1st Locate 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…
Read more
What is Voluntary Repossession? Your Next Steps Explained
Voluntary repossession is the act of willingly handing back your property to the lender to resolve an insurmountable debt, but it does come with its share of repercussions. Need more details?
Read more
Making Extra Loan Repayments – The Pros and Cons
Making extra loan repayments can accelerate your debt clearance and save on interest, but it may also incur early repayment fees. Curious to learn more?
Read more
Loan Temporary Repayment Plan – What You Need to Know
A Loan Temporary Repayment Plan offers a respite for individuals who are temporarily unable to fulfil their loan obligations, by reducing their payments for a short period. Dive in to learn more...
Read more
The Best Cities for Pay & Work-Life Balance Based on Job Industry
Are you thinking about moving to a new city for work? This guide is here to help you find the best cities for pay and work-life balance based on your job industry. Many people are worried about their quality of life and the cost of living. We understand this concern and have gathered information about […]
Read more