Blog
Council tax attachment of earnings: deductions and help
How council tax deductions from wages work in England and Wales, and who to contact about an error or hardship.
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Council tax liability orders: what they mean and what to do
A council-tax liability order allows further recovery action. Understand payment options, enforcement safeguards and the rules for older bills.
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Freeze Credit Card Interest – Simple Guide & FAQs
You may be able to freeze your credit card interest if you are experiencing financial hardship. But, you will need to provide your creditor with convincing evidence and potentially agree to a repayment plan. Let me walk you through the process...
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How to Check if I Have a CCJ for free
You can check if you have a CCJ for free by getting a copy of your credit report. You could also use the CCJ register, but this process is a bit more complicated. Let me explain...
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Setting Aside a CCJ – Simple guide, FAQs, Tips & More
You can apply for your CCJ to be set aside by completing an N244 form. However, you need a very good reason for your application to be successful. Let me walk you through your options...
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I Can’t Afford to Live on My Wages – Guidance & Tips
If you cannot afford to live on your wages in the UK, you should contact your local council and energy suppliers to negotiate lower bills. You could also use food banks and get free financial advice from charities. Let me walk you through your options...
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Is PIP Classed as Income? UK Tax Laws
PIP is a type of income, but it is not taxable. You do not need to pay tax on any PIP you receive. Let me explain...
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What Happens if You Don’t Pay Your Water Bill?
If you don't pay your water bill, legal action could be taken against you. But, this is usually a last resort. Let me walk you through your options...
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Direct Earning Attachment (DEA) Impacts & Guide
A Direct Earnings Attachment (DEA) is used to recover tax credit and benefit overpayments directly from your wages. If you are experiencing financial hardship, you can ask for a reduced fixed rate. Let me walk you through your options...
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Attachment of Earnings Rates
Your Attachment of Earnings rate will depend on your take-home pay and disposable income. Let me explain...
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What Happens if You Don’t Pay a Small Claims Judgement?
If you ignore a small claims judgement, further enforcement action could be taken. For example, bailiffs could seize your goods. But, it is possible to appeal a small claims judgement. Let me walk you through your options...
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How to Get out of Car Finance – Step by Step Guide
Getting out of car finance is possible through voluntary termination or by making an early settlement offer. Let's explore further...
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What Is a CCA? – Simple Guide, FAQs & Tips
The CCA (Consumer Credit Act) works to protect the rights of customers who take out any kind of credit. You can request a copy of your CCA agreement at any time. If your creditors don't provide the agreement, your debt may not be enforceable. Let me explain...
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Comprehensive Guide to Selling a Financed Car
You cannot sell your car on finance. If you do so, you could face serious legal action. Let me walk you through your options...
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Notice of Default – Simple Guide, FAQs, Tips & More
A Notice of Default is a formal communication from your creditor, indicating that you've fallen behind on repayments and your account may default soon. Keep reading to learn more...
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Car Repossession in the UK – Complete Guide
You could face car repossession in the UK if you default on your repayments. But, this is a last resort. Let me walk you through the process...
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What Does Adverse Credit Mean? Quick Answer
Adverse credit means that you have repeatedly failed to meet repayments on credit cards or loans. Adverse credit will remain on your credit report for 6 years. But, there are ways to improve your score in the meantime. Let me walk you through your options...
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Notice of Sums in Arrears (NOSIA) All You Need To Know
A Notice of Sums in Arrears is a letter from your loan provider to let you know that you have missed at least two repayments and a sum is now due. If you receive a NOSIA, you should consider a debt solution. Let me walk you through your options...
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Does Overdraft Affect Credit Score? – Simple Guide
If you use an unarranged overdraft, it will negatively affect your credit score. But, if you use an arranged overdraft sensibly, you could end up increasing your credit score. Let me explain...
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How to Get a Default Removed from your Credit File?
A Default can be removed from your credit file if sufficient time has passed or an error has occurred. Let me explain...
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