Warrant of control: Everything you need to know
If you have a county court judgment for debt and refuse to pay as the court has ordered, the creditor can request from the court an enforcement order, more commonly known as a ‘warrant of control.’ This warrant gives authorisation to a county court bailiff to seize your possessions in hopes that it will encourage repayment. In this article […]
Undischarged bankrupt: What does it mean?
For people with extreme levels of debt who don’t have the means to repay what they owe, bankruptcy can be the only way to deal with their debt and get a fresh start on life. But given the restrictions placed on an individual during an undischarged bankruptcy, it should only ever be considered as a last resort. […]
What is a notice of disassociation?
If you have a joint account or financial tie with another person and your relationship with that person changes, it may be in your interest to have that financial association removed. You can do so by requesting a notice of disassociation. In this article we’ll explain what a notice of disassociation is, how you can […]
How long does a CCJ last?
CCJs are a type of court order that can be made against someone who owes debts to a creditor. They’re usually used as a last resort after other methods, such as sending letters and making phone calls, have failed. In this guide we’ll explore what a CCJ is, how a CCJ will impact your credit […]
How to remove a CCJ from credit report: Everything you need to know
A County Court Judgment (CCJ) is a court order that can have a serious impact on your credit score. If you have one, it’s important to know how to remove a CCJ from your credit report. In this guide, we’ll explain what County Court Judgements are, why obtaining credit becomes more difficult for people with a CCJ, […]
Direct earnings attachment: What it means, and how it impacts your finances
A Direct Earning Attachment (DEA), is a way for the Department for Work and Pensions (DWP) to take money directly from your earnings if you’ve been overpaid benefits. If you’re struggling with debt, it’s important to know how DEAs work and how you can avoid one. Keep reading this guide to learn more about DEAs […]
What does the official receiver check? Rules when you go bankrupt
If you’ve ever considered bankruptcy as a way of dealing with your debts, you may have heard you have to cooperate with the ‘official receiver’ – but who are they, and what’s their role during the UK bankruptcy process? In this post, we’ll explore who the official receiver is, what they check during a bankruptcy, […]
CCJ check: How to find out if you have a County Court judgment against you
If you’re struggling with debt, one of the first things you’ll want to do is check for any County Court Judgments (CCJs) against you. In this guide we’ll explain what CCJs are, the impact of having a CCJ on your credit history, and how you can run a CCJ check on your name. What is […]
What is a crisis loan? A guide to emergency financial help
If you’re struggling to make ends meet in the UK, you may be eligible for a Government crisis loan. Crisis loans are interest free loans designed to help people with essential expenses like food and shelter. In this guide we’ll what you need to know about how to qualify for a crisis loan and how […]
How to apply for breathing space: Your guide to accessing debt help
Breathing space is a government-backed scheme that gives people in England and Wales a period of time where they can’t be chased by their creditors. If you’re struggling with debt repayments, you can get some temporary relief from things like letters and phone calls from debt collectors. In this guide, we’ll explain what the breathing […]
