Debt advice topics

Bailiff / Enforcement Agents

If you’ve got bailiffs at your door, do you know your rights? Find out what they can – and can’t…

What is a Default Notice? A default notice is a formal letter sent to you by a lender or creditor…

Repossession & Eviction If you fall behind on your mortgage, and you haven’t agreed a mutually acceptable repayment arrangement with…

What does rent arrears mean?Rent arrears is a term used to describe the outstanding money owed to a private landlord,…

If you have just received a payment demand for a property that was repossessed, you need to know what this…

Payday Loans What is a payday loan?You may have heard a lot about payday loans online, on TV adverts, or…

What is an Administration Order? An Administration Order is an agreement designed to help you deal with your debts when…

If you have taken out a credit agreement, such as a loan or bank account in joint names then you…

Statutory Demand If you have a debt that has fallen into arrears, a creditor may decide to try and make…

What is a credit score?If you apply for a loan, or any form of credit for that matter, then the…

Benefit AdviceWhat benefits advice could I get?You should always check to make sure you’re getting the benefits you’re entitled to.…

We look at what you should do if you are struggling to afford you council tax or have missed payments.

How to open a new bank account If you have a debt with the bank where your income is paid…

What is a County Court Judgment?A County Court Judgment, or a CCJ, is an order made against you by a…

Attachment of Earnings What is an Attachment of Earnings? An Attachment of Earnings (AOE) is an Order from the Court…

Secured Loan Arrears A secured loan is a loan taken out against an asset such as a property. If you…

In England, Wales and Northern Ireland a debt becomes Statute Barred, meaning that it’s no longer enforceable through the courts,…

What are mortgage arrears? If you have fallen behind on your agreed mortgage repayments, you are in arrears. This basically…

Who pays tax to HMRC?Everybody has to pay tax – it’s the law. Whether you are employed by a company…