Blog
Can Student Loans Be Included in a Debt Management Plan?
Modern government student loans normally sit outside a DMP. Check separate rules for income-contingent, older mortgage-style and private education loans.
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Debt Management Plan Living Expenses: Building a Realistic Budget
Work out affordable DMP payments using actual household costs, priority bills and reasonable allowances, with help if your circumstances change.
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StepChange Debt Charity: Services, Costs and Reviews
StepChange offers free debt advice and DMPs. Formal insolvency options can involve fees and significant consequences; check suitability and current support arrangements.
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How an IVA Can Affect Your Partner and Household
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...
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Renting With an IVA: Tenancy, Arrears and Referencing Checks
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...
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Choosing an IVA Provider: Warning Signs and Complaints
Check IVA claims, practitioner authorisation, fees and support, and use the correct complaints route if something has gone wrong.
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Can You Cancel an IVA? Termination, Alternatives and Consequences
You can legally cancel your IVA. But, cancelling your IVA isn't always the best idea. Let me walk you through your options...
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Windfalls After an IVA: Completion, Earlier Entitlement and Your Terms
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...
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DRO vs IVA: Eligibility, Costs and Consequences in England and Wales
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.
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Bank Accounts and IVAs: What to Check Before Applying
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...
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Can you use a personal loan to buy a house or fund a deposit?
A personal loan may be restricted from funding a house purchase or mortgage deposit. Check both lenders’ rules and affordability before taking any borrowing.
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Can I Borrow Money Against My House to Buy Another Property?
Borrowing against a home to buy another property may be possible, subject to both lenders’ terms and affordability. Compare all costs, taxes and risks before proceeding.
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Orbit Debt Collection: Water Bills, Payment Help and Your Rights
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…
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Debt collection complaints: the Ombudsman and other routes
Start with the firm’s complaint procedure and check the appropriate escalation route and deadline. The Financial Ombudsman can order redress in eligible cases but does not fine collectors or automatically cancel debts.
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DWP Debt Management Letter: Check, Challenge or Arrange Repayment
Check a DWP debt letter, challenge an incorrect benefit decision in time and ask for affordable repayments or hardship support.
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One Call Debt Recovery: Check the Balance and Your Options
Understand a One Call Debt Recovery letter, check insurance-related charges, raise a genuine dispute and find affordable repayment or complaint options.
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How to Deal with Debt Collectors in the UK
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...
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Can debt collectors see your bank balance? Information requests explained
An ordinary collector has no unrestricted access to your bank balance. A creditor may request information, while a court order after judgment can require specific disclosure. These are different powers.
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How to compare debt consolidation lenders and brokers
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...
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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...
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