Tips & Advice
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Jun 28th 2022
Whether you’re buying your first home or looking to move, finding the right mortgage isn’t always easy. And if you have a County Court Judgement (CCJ) finding a mortgage provider can seem even more difficult. However, the good news is there is support available when applying for a mortgage with a CCJ. Here we look […]
Jun 15th 2022
The UK government has recently shook up the traditional benefits system and replaced the following benefits with Universal Credit: Jobseeker’s Allowance, Housing Benefit, Income Support, income-related Employment and Support Allowance, Working Tax Credit, and Child Tax Credit. With millions of former older-style claimants expected to be transferred in the next few years and it impossible […]
Jun 15th 2022
A charging order is a court order that seeks to compel you to settle unpaid debt, by securing the outstanding debt against your home or another property you own. In this post we’ll examine what a charging order is, what the charging order process involves and, most importantly, how to remove a charging order that’s […]
Jun 15th 2022
When creditors have a court order like a County Court Judgment (CCJ) against you and the court decides you should repay the money they owe, creditors can apply for a second court order called a ‘charging order’ that secures the debt you owe against property you own.’ In this blog we’ll look into what a […]
Jun 15th 2022
If you owe money you can’t or won’t repay, a County Court Judgement is a common tool creditors use to force your hand – but how long is a CCJ active for, and is there a time limit that means you won’t have to repay after a certain number of years? In this blog we’ll […]
Jun 14th 2022
When you enter an Individual Voluntary Arrangement, also known as an IVA, you must adhere to certain rules when it comes taking out further credit such as credit cards or loans. An IVA is a formal agreement between you and the people you owe money to, known as creditors, that allows you to repay a […]
May 31st 2022
An Individual Voluntary Arrangement takes up the vast majority of a person’s disposable income, so it’s no surprise that people with an IVA may wonder whether it’s possible for them to get a mortgage with their partner during an IVA. This is known as a joint mortgage. In this article we’ll explore IVAs and joint […]
May 31st 2022
Now that living costs are rising in the UK, many families around the country are being driven to crisis point. The situation is especially serious for those who were already struggling to make ends meet, so it’s understandable if you’re now wondering what additional financial support is out there. In this article we’ll examine government […]
May 12th 2022
One of the reasons people are so wary of dealing with bailiffs or enforcement agents is that they want to protect their families from that situation. It can be a traumatic situation, especially because so many people aren’t sure what their rights are and what bailiffs can take. In this guide we’ll explore your rights […]
May 10th 2022
As a legally binding agreement between you and your creditors, it’s important that you declare all of your income if you choose to use an Individual Voluntary Arrangement to repay your debts. Hiding money from IVAs can lead to serious consequences. In this guide we’ll explore the idea of hiding money from an IVA, […]
