How long can a debt be chased UK?
If you have debt, you might be wondering how long a creditor (the person or company you owe money to) can legally chase you for the money owed. This is a fairly common question amongst people dealing with debt but with so much information out there, it can be difficult to get a straightforward answer. […]
Can I Get a DWP Overpayment Write Off?
Today, more than ever before, people’s money is expected to go a long way – food, energy bills, living expenses, and much more. If you suddenly get a letter asking you to pay back overpaid benefit payments, it can turn your world upside-down. It can be very tricky to find accurate information about why benefit […]
Court Enforcement Services – Help & Advice
If you’re struggling with money and falling behind with payments, you’ll often find yourself dealing with debt collection agencies and high court enforcement officers. ‘Court Enforcement Services Ltd’ are a company that provides these kinds of services for creditors (people or companies who are owed money). Since many of their duties involve dealing with debtors […]
Attachment of Earnings – All you need to know
If you have outstanding debts, you may have had companies you owe money to mention an ‘attachment of earnings order’. A quick search about an attachment of earnings will tell you that it’s a way of recovering a debt directly from your wages or benefits. Understandably, this is quite a worrying idea – so it’s […]
Does Universal Credit affect credit score?
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 […]
How to remove a charging order from a property?
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 […]
Charging order on property? Get the advice you need
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 […]
Can I get a loan with an IVA?
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 […]
Can I get a joint mortgage with an IVA?
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 […]
How to apply for government crisis loan online
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 […]
