Blog
Bankruptcy with No Assets in England and Wales
It is possible to go bankrupt with no assets. However, you will need to pay to apply and this can be costly. Let me walk you through your options...
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Civil National Business Centre: the former CCBC and your court papers
The County Court Business Centre is the central point for county courts across England and Wales. It handles administrative processes and claims, including appeals. Let me explain...
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Bailiffs and mental health: vulnerability and support
If you have mental health problems, a bailiff is required to follow certain guidelines. For example, they cannot visit your house when you are home alone. But, you have to notify the enforcement agency of your mental health problem as soon as possible. Let me walk you through the process...
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Warrant of possession: County Court eviction process
A County Court Bailiff Warrant of Possession allows a landlord to evict a tenant from their property. The landlord must apply to the court for a possession order. Let me explain the process...
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Do Bailiffs Need a Court Order? Legal Authority Explained
Bailiffs need the correct legal authority, but not every debt requires the same court order. Check the debt, notice, entry powers and available challenge promptly.
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County Court bailiff fees: court charges and enforcement costs
In England and Wales, County Court bailiff costs depend on the court process and the action taken. Court-employed bailiffs, private enforcement agents and High Court enforcement officers use different fee rules. This guide explains how to check the charges and challenge an incorrect bill.
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Will a Satisfied CCJ Affect My Credit? Pay Off Debt?
A satisfied CCJ will stay on your credit report for six years if you didn't pay within one month. However, lenders will be able to see that you have paid the CCJ in full. Let me explain...
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Does a bailiff warrant need a wet-ink signature?
Before collecting your debt, a bailiff has to show you a signed and dated warrant. They may also show you a High Court Writ instead. Let me walk you through the process...
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Ask a Creditor to Freeze Interest: Sample Letter
Request interest and charge relief with a budget, and understand FCA protections for affordable repayment arrangements in financial difficulty.
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Full and Final Settlement Offer – Sample Letter Template
To make a Full and Final Settlement offer, you need to write to the creditor, stating clearly the amount you are willing to pay. Let me illustrate...
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Complain About Unaffordable Lending: Sample Letter
Explain an affordability complaint, provide evidence and check the lender’s response and Financial Ombudsman deadlines. Redress depends on the facts.
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Dispute a Debt You Do Not Owe: Sample Letter
Ask a collector to investigate an unfamiliar or incorrect debt, provide supporting evidence and correct its records while protecting court deadlines.
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Debt Collector Harassment: Complaint Letter Template
Explain unreasonable collection contact, request suitable communication and understand the difference between a complaint, ordinary visits and enforcement.
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Statute-Barred Debt Letter: England and Wales Template
Check the debt type, cause of action, payments, acknowledgements and court history before using a limitation letter. Scottish prescription has different rules.
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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...
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Negotiating With Creditors: Repayment and Settlement Letter Templates
Choose a creditor letter for affordable repayments, interest relief or settlement, and check old-debt, court and insolvency issues before sending it.
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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...
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Debt Repayment Tracker: Spreadsheet and Planning Guide
Use a repayment tracker to organise balances and payments, understand its assumptions and prioritise essential costs and urgent debts.
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Coronavirus Piggy Bank: Archived April Fools Fiction
An archived April Fools joke about an imaginary piggy bank. No product is for sale; its sanitising, price, warranty and delivery claims are fictional.
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Debt Snowball Method: Repayment Estimates and Limitations
Understand the smallest-balance-first repayment method, compare it with paying high-interest debt first and check a calculator’s assumptions.
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