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Debt & Money Guides


Don’t Panic – Get on top of your debts with our helpful guides

Dealing With Debt

  1. Your Options Explained
    There’s no one-size-fits all solution. Our guide explains your options, how they work, and the pros and cons of each.

Your Credit Rating

  1. How credit ratings and reports work
  2. Understanding your credit report
  3. How To Improve Your Credit Rating
  4. Correcting errors on your credit report

Creditor Action

If you’re struggling to repay a debt, these are some of the actions your creditor can take to encourage or enforce payment.

  1. Solicitor letters
  2. Home visits from debt collectors
  3. Final demand
  4. Default notice
  5. County Court Judgments
  6. Charging Order
  7. Order to obtain information
  8. Bailiffs & warrants of control
  9. Attachment of earnings
  10. Deductions from benefits
  11. 3rd party debt order
  12. Disconnection of service
  13. Statutory demands

Types of Debt

Depending on the type of debt; non-payment has different consequences and you have different options to deal with repayment problems.

  1. Secured loan debt
  2. Personal loan, credit and store card debt
  3. Overdraft & bank account debt
  4. Log book loan debt
  5. Payday loan debt
  6. Council tax debt
  7. Child maintenance arrears
  8. Doorstep loan debt
  9. Gambling debt
  10. Hire purchase debt
  11. Loan shark debt
  12. Debt from fines
  13. Tax arrears and HMRC debt
  14. Tax credit overpayments
  15. Utility bills debt
  16. Water arrears debt


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