Notice of default: What to do if you receive a default notice

If you’ve received a notice of default for missed payments, it’s important to understand what this means and how it can affect your credit score. In this guide, we’ll explain what a default notice is, how missed payments could affect your credit profile, and what happens if you get a default notice. What is a […]

How Long Does a CCJ Stay on Your Credit File?

If you have a County Court Judgment (CCJ) or you’ve been threatened with one, it’s important to have all the facts – especially about how long it could stay on your credit report. The quick answer is that a CCJ will stay on your credit report for six years from the date of issue. However, there are […]

Tax Credits Overpayment Guide

Every year, hundreds of thousands of people receive tax credit overpayment – so if you’ve realised you’ve been overpaid, you’re not alone. Whether you’ve done the maths yourself or received a letter from the Department for Work and Pensions (DWP) informing you, realising you might owe money to the government can feel worrying or frustrating. […]

Can I Stop a Direct Earnings Attachment?

If you’ve been threatened with a Direct Earnings Attachment, you’re probably eager to stop it from going ahead. The good news is it is possible to stop a Direct Earnings Attachment – but it’s essential that you understand when and how to act to do so. In this guide, we’ll explore stopping Direct Earnings Attachments in […]

Limitation Act 1980: How it Relates to Your Debt

The Limitation Act 1980 is a part of UK law that covers time limits for how long a person or company can start legal proceedings to recover money that they are owed. If you do a quick search and read the legal text that relates to the act, you’ll quickly realise it covers a range […]

A Complete List of Tax Codes and What They Mean

A different tax code can make a huge difference to the amount of money that ends up in your pocket – but unless you’re a payroll expert, tax codes can be confusing. In this guide, we’ll explain everything you need to know about your tax code, including: What is a tax code? A tax code […]

What is the County Court Money Claims Centre?

If you owe a person or company money, they may try to take you to the County Court Money Claims Centre to force you to pay what they say you owe. Although lots of people have heard about the County Court or a County Court Judgment, most people are not as familiar with the County Court […]

The IVA Register – All you need to know!

You may have thought about entering into an Individual Voluntary Arrangement (IVA) after your debts have begun piling up and payments have started being missed. An IVA is an excellent way to sort out mounting debts – it freezes them and lets you pay them back at a rate you can afford over a longer […]

How long can someone stay without paying council tax?

As the cost of living continues to rise, many of us are looking for ways to cut back on spending and save money – especially when it comes to our household bills. It’s now quite common to see adults moving back in with their parents and couples splitting their weeks between each other’s places. However, […]

What is a Direct Earnings Attachment?

If you owe money to the Department for Work and Pensions (DWP), they can recover it from you using something known as a ‘Direct Earnings Attachment’ (DEA). In short, this is a way of taking money that’s owed from your salary before it reaches you. No one likes the idea of having money taken from […]