Personal Debts

Debt Advice
Golden Rules
Types of creditors
Contacting creditors
Creditor letters
Saving money
10 point savings plan
Debt assessment
Quick Solutions
Debts Under £5k
Debts £5k - £15k
Debts over £15k
Specific Solutions
Trust Deed (Scotland)
Administration Order
IVA
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Mortgages for Bankrupts
Resources
Debt assessment
Useful Links
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Debt assessment
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Useful Links

Organisation Telephone No. Web Site
Citizens Advice Bureau   www.nacab.org.uk
The Bankruptcy Association 01482 658701 www.theba.org.uk
National Debt helpline 0845 466 0364  
Office of Fair Trading (OFT) 08457 22 44 99 www.oft.gov.uk
The Banking Ombudsman 0345 660 902 www.obo.org.uk
The Banking Code 020 7661 9694
www.bankingcode.org.uk
Consumer Credit Counseling Service 0800 138 1111 www.cccs.co.uk
The Local Government Ombudsman 020 7915 3210 www.open.gov.uk
Council of Mortgage Lenders 020 7440 2255 www.cml.org.uk
Department of Social Security Family Credit 01253 50 00 50 www.dss.gov.uk
Resolve UK debt advice 0845 466 0364  

 

Our debt expert, Wally Stone has over 20 years experience in dealing with personal debt.
County Court Judgments

If you fail to pay a creditor and don’t reply to their reminders there are several things that they can do.

If it is a secured debt for example, a hire purchase agreement they can repossess the goods without going to court if you have paid less than one third of the total sum. You will still have to pay the majority of the balance.[More..]

Bailiff harassment
Harassment of people in debt by creditors or their agents is a criminal offence under the Administration of Justice Act 1970.

It is often difficult to know what to do when you feel a creditor is not dealing with your account fairly. In order for you to identify what activities by your creditors may involve harassment and what can be done about the problem, this article outlines:
[More..]
Credit Cards
For a great many of us the money runs out before the month does and then the temptation to use our credit cards to pay the bills kicks in. This is the beginning of the debt spiral and just what the credit card companies are counting on:. [More..]
 

Did you know...

According to a recent statement from the Citizens Advice Bureau, it could take 77 years on average for people asking for help with debt to get back into the black.

Britain's personal debt is increasing by £1 million every four minutes.
 
 
Our debt expert, Wally Stone has over 20 years experience in dealing with personal debt.
County Court Judgments

If you fail to pay a creditor and don’t reply to their reminders there are several things that they can do.

If it is a secured debt for example, a hire purchase agreement they can repossess the goods without going to court if you have paid less than one third of the total sum. You will still have to pay the majority of the balance.[More..]

Bailiff harassment
Harassment of people in debt by creditors or their agents is a criminal offence under the Administration of Justice Act 1970.

It is often difficult to know what to do when you feel a creditor is not dealing with your account fairly. In order for you to identify what activities by your creditors may involve harassment and what can be done about the problem, this article outlines:
[More..]
Credit Cards
For a great many of us the money runs out before the month does and then the temptation to use our credit cards to pay the bills kicks in. This is the beginning of the debt spiral and just what the credit card companies are counting on:. [More..]
 

Did you know...

According to a recent statement from the Citizens Advice Bureau, it could take 77 years on average for people asking for help with debt to get back into the black.

Britain's personal debt is increasing by £1 million every four minutes.