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FAQs

Our debt management Q and A page contains a fast-growing list of questions and answers relating to all aspects of debt management including IVA’s DMP’s and Scottish Trust deeds. This section of our site is a work in progress, so be sure to return regularly. If after reading some of our Q and A pages you would like to be contacted by an debt advisor for further assistance with your current debt situation please feel free to fill in our free debt assessment form and an advisor will get back to you right away.

Reasons To Save Into A Pension

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Many people are living on less and that includes the older generation. It may not seem important to save for later years when living day-to-day is a struggle. However, saving into a pension is a […]

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Dealing With Debt Created by Unauthorized Transactions

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We are not talking about unauthorized credit cards, but transactions like auto repairs that are completed without your approval. When a married couple purchases a car, one person may put the vehicle loan in his […]

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What Are Consequences For Council Tax Debt?

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Council tax is a tax levied on households by local authorities in England, Wales, and Scotland. Contributions are used to partially fund services like rubbish collection and policing provided by local governments within each country. […]

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Should Mortgage Shortfalls Be Included In Debt Management Plans

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Having the home repossessed can be a horrible experience because it may leave a person homeless. After a suitable living arrangement is found, thoughts turn to additional financial troubles lurking in the future. Voluntary or […]

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If I Have Been Debt-Free For Five Years, Can I Get Finance?

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As soon as many people pay off their debt, they look for new credit. Experts caution against overspending, especially for consumers who have recently gotten out of debt. The last thing a former debtor needs […]

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What Are Permitted Debt Collection Practices In The UK?

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Within the UK, the Office of Fair Trading (OFT) is responsible for issuing guidance regarding debt collection practices. This written document outlines what is expected of companies that pursue collection of consumer credit-related debts. The […]

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Can My Former Flatmate Be Held Accountable For A Bill?

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Living with others can be financially beneficial because it enables many people to reside in housing they could not afford on their own. A flatmate shares rent, utility, and other bills, making living independent from […]

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Is An Overdraft Or Credit Card Debt Better To Have?

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Many UK consumers have credit card debt that they would like to repay. When the credit card account balance is high and immediate cash flow is tight, some people consider using a bank overdraft to […]

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How Do I Handle A Charging Order Placed On My House Due To Credit Card Debt Of An Ex?

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When a relationship ends, debts may not end with it. A couple may find themselves dealing with debts incurred during or after the relationship. This can be a problem if one person is unwilling to […]

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What Should I Do If I Cannot Make My Loan Payments?

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Many people take out personal loans with full expectations that they will repay the money. However, poor financial planning and unexpected circumstances can make this difficult or impossible. If you find yourself with a personal […]

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How Can I Find Out What Debts I Currently Have?

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Whether consumers do not stay on top of their finances or just moved back after temporarily living outside of the UK, they may wonder if they have any UK debts. Contacting current creditors to find […]

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If My Partner Has Poor Credit, Could I Qualify For A Mortgage Without Them?

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Being in a relationship is often blissful until the topic of finances arises. One partner may not be as skilled at managing money or may have fallen into a financially stressful situation due to business […]

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Will A Debt Collection Agency Accept Partial Payments For Outstanding Debts?

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Whether they have a past-due cellular phone bill, credit card balance, or utilities payments, UK consumers may find themselves dealing with a debt collection agency. When a creditor makes multiple attempts to collect a debt […]

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Do I Still Need to Repay a Bank Loan if I Have a Debt Relief Order?

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A Debt Relief Order (DRO) is a bankruptcy alternative available to certain people. UK residents who do not own a home, have little spare income, and are not likely to improve their financial situation should […]

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How Can I Get Financial Help For Store Card, Mobile Phone, and Student Loan Debt?

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People find themselves with many types of debt based on their lifestyle. Credit cards and store cards are used by many consumers and when balances are not repaid in a timely manner, interest and late […]

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How Do I Appeal A Final Charging Order For Unpaid Council Tax?

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Once a creditor secures a County Court Judgment (CCJ) against you, that party can enforce the debt by applying for a Charging Order. If you agreed to repay the debt in installments and are not […]

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Frequently Asked Questions For IVAs Individual Voluntary Arrangements

Who benefits from using an Individual Voluntary Arrangement (IVA)? Residents of Northern Ireland, Wales, or England who have a stable income and are at least £12,000 in debt could benefit from using an IVA as […]

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Debt Management Plans Frequently Asked Questions

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Many consumers have questions regarding debt management plans (DMPs) and we have provided the most common questions with their answers. Read this information and if you still have questions, contact us. Our team of debt […]

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Debt Relief Orders Frequently Asked Questions

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A Debt Relief Order (DRO) is one of several debt management options available to residents of Wales and England. People struggling with debt repayment may find a Debt Relief Order to be their best option. […]

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