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WARNING: DEBT COLLECTION & COUNCIL TAX EMAIL SCAM Here’s what to look out for in the debt collection and council tax bill scam emails, that we’re aware of, doing the rounds at the moment. 1. Council tax bill payments. This email is claiming to be from the council informing people about a new way they can pay their council tax bill online. It may also say that you’ve missed apayment
NEW CCJ PROCESS CLAIM RULES: WHAT DO THEY MEAN? MONEYAWARE The new rules mean that your creditor must send a letter of claim before going to court to request a judgment. So, getting a letter of claim gives you more time to come to an agreement with them and avoid court action. If you ignore the letter of claim and don’t respond to it within the 30 days, your creditor can then begin court proceedings CAN YOU RUN AWAY FROM YOUR DEBTS? The act is there to protect people from being forced to pay debts that have ‘timed out’ through no fault of their own. It protects us all from being chased for very old debts that we weren’t aware of. However, it’s important to realise that these laws cannot be twisted to help you get away without paying your debts. CAN I GET A MORTGAGE FOR A HOME ON A DMP? Jacksy Gemma Nash • 5 years ago • edited. I tried everywhere. You can only get a mortgage with dmp and 4 years after finished with Kensungton or Magellan. Precise can but need 30% deposit and they won't lend you as much as main stream banks so may not get the houseyou want.
BANKRUPTCY: THE DIFFERENCES BETWEEN BANKRUPTCY AND AN IVA Bankruptcy: The differences between bankruptcy and an IVA. UPDATE 5 April 2016: This article was originally published in December 2011. The bankruptcy application process for people living in England, Wales and Northern Ireland is changing in 2016. CREDIT RATINGS: HOW DO OTHER PEOPLE’S DEBTS AFFECT ME?SEE MORE ONMONEYAWARE.CO.UK
20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, MY MINIMUM PAYMENT’S GONE UP. WHY? If you’ve been paying more in interest and charges than the balance for 18 months or longer, this is classed as ‘ persistent debt ’. Your minimum monthly payment on these products includes: an amount for interest and charges. an amount to reduce what you owe. A persistent debt takes a long time to reduce because all that’s being paid 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool WHAT HAPPENS IF I DON’T PAY MY COUNCIL TAX? Council tax is a ‘priority bill’. This means that if you don’t pay it – or make late payments – you could face unpleasant consequences such as court-appointed bailiffs. Once a bailiff gets hold of your debt, it can be difficult to get them to agree to affordable instalments. If you try talking to the council, they’lloften refer you
WARNING: DEBT COLLECTION & COUNCIL TAX EMAIL SCAM Here’s what to look out for in the debt collection and council tax bill scam emails, that we’re aware of, doing the rounds at the moment. 1. Council tax bill payments. This email is claiming to be from the council informing people about a new way they can pay their council tax bill online. It may also say that you’ve missed apayment
NEW CCJ PROCESS CLAIM RULES: WHAT DO THEY MEAN? MONEYAWARE The new rules mean that your creditor must send a letter of claim before going to court to request a judgment. So, getting a letter of claim gives you more time to come to an agreement with them and avoid court action. If you ignore the letter of claim and don’t respond to it within the 30 days, your creditor can then begin court proceedings CAN YOU RUN AWAY FROM YOUR DEBTS? The act is there to protect people from being forced to pay debts that have ‘timed out’ through no fault of their own. It protects us all from being chased for very old debts that we weren’t aware of. However, it’s important to realise that these laws cannot be twisted to help you get away without paying your debts. CAN I GET A MORTGAGE FOR A HOME ON A DMP? Jacksy Gemma Nash • 5 years ago • edited. I tried everywhere. You can only get a mortgage with dmp and 4 years after finished with Kensungton or Magellan. Precise can but need 30% deposit and they won't lend you as much as main stream banks so may not get the houseyou want.
BANKRUPTCY: THE DIFFERENCES BETWEEN BANKRUPTCY AND AN IVA Bankruptcy: The differences between bankruptcy and an IVA. UPDATE 5 April 2016: This article was originally published in December 2011. The bankruptcy application process for people living in England, Wales and Northern Ireland is changing in 2016. CREDIT RATINGS: HOW DO OTHER PEOPLE’S DEBTS AFFECT ME?SEE MORE ONMONEYAWARE.CO.UK
BUDGETING AND MONEY-MAKING TIPS . DEBT ADVICE. MONEYAWARE StepChange MoneyAware helps you avoid debt problems with practical advice & tips on money saving and making, budgeting, tips on living with debt and debt news. MY MINIMUM PAYMENT’S GONE UP. WHY? You’ve been making payments on your credit card, store card or catalogue each month. However, you’ve just got a letter from your provider saying they’re going to increase your monthly repayment, or suggested you do so. Why? If you’ve been paying more in interest and THE TRUTH ABOUT DEBT AVOIDANCE The truth about not paying your debts. This page contains information about debt solutions available in England, Wales and Northern Ireland. Debt advice in Scotland involves similar but different solutions. Before considering an IVA as a debt solution, please make sure you fully understand the risks involved when entering an IVA.. Most people who suffer with debt problems have lots of thingsSTATUTE BARRED DEBT
Template letter for statute barred debt. Here is the statute barred template letter (PDF) you can send. just add your name, address and the creditor’s details at the top. It doesn’t have to be exactly the same as this if you’d prefer to write your own. Here’s YOU’RE IN DEBT: WHAT CAN YOUR CREDITORS ACTUALLY DO? There can be lots of misconceptions about what creditors (your lenders) can and cannot do. We hear from clients that are scared stiff of bailiffs (enforcement agents) or being sent to prison when they’ve only missed one or two payments or just received a default notice or a CCJ (County Court Judgment) through the post. Many people ask us is debt collection agencies can take you to court. BANKRUPTCY: THE DIFFERENCES BETWEEN BANKRUPTCY AND AN IVA Bankruptcy: The differences between bankruptcy and an IVA. UPDATE 5 April 2016: This article was originally published in December 2011. The bankruptcy application process for people living in England, Wales and Northern Ireland is changing in 2016. JOINT DEBT AFTER DIVORCE OR SEPARATION: WHO HAS TO PAY? Joint debts vs. sole debts. The key difference on a joint debt is that two names will appear on the credit agreement. You’re both equally liable for the full amount, not just your share or half, and regardless of who spent what originally. Legally, this is called being ‘joint and severally liable’. WHAT DOES TREATING CUSTOMERS FAIRLY MEAN? Treating Customers Fairly isn’t just a phrase any more. It’s a formal requirement laid down by the FCA to ensure that all financial services provided to consumers are done so in a way that isn’t detrimental to the customer. You could say that the FCA are a sort of ‘financial bodyguard and protector’. Kind of like Kevin Costner,but
DAS: 7 THINGS YOU DIDN’T KNOW ABOUT DEBT ARRANGEMENT SCHEMES Unlike some debt advice companies, we don’t charge you anything to get set up on DAS. 1. DAS is the name of the debt scheme rather than the payment plan. The term DAS or Debt Arrangement Scheme is actually the name of the statutory scheme that’s run by the Scottish Government. A DPP or debt payment programme is the name for thepayment
OLD STYLE VS NEW STYLE STUDENT LOANS Old: You only make repayments if you earn over £26,449. The outstanding amount is divided over 5 years, or 7 years if you took out more than five loans. New: Repayments start at 9% of everything you earn over £15,000. Old: You make repayments directly to the StudentLoans Company.
MONEYMAGPIE’S TOP 6 WEBSITES FOR FREEBIE FANATICS! MoneyMagpie’s top 6 websites for freebie fanatics! The lovely Jasmine Birtles from MoneyMagpie.com is back with a follow-up to her colleague Marc Crosby’s insightful guide on how to sort the genuine freebie websites from the fakes.Jasmine’s very kindly put together a list of her favourite freebie websites to save you time and hassle when on the hunt for free goodies. 20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool CAN YOU RUN AWAY FROM YOUR DEBTS? The act is there to protect people from being forced to pay debts that have ‘timed out’ through no fault of their own. It protects us all from being chased for very old debts that we weren’t aware of. However, it’s important to realise that these laws cannot be twisted to help you get away without paying your debts. THE 7 MAIN DIFFERENCES BETWEEN DAS DPPS AND DMPS This is run by the Scottish Government and has been part of Scottish law since 2004. A debt management plan (DMP) is an informal arrangement and as it isn’t run by government or set down in law it’s much more informal than a DPP. 2. Interest and charges on DPP and DMP. If you set up a DPP your interest and charges are frozen, sothe amount
WHAT HAPPENS IF I DON’T PAY MY COUNCIL TAX? Council tax is a ‘priority bill’. This means that if you don’t pay it – or make late payments – you could face unpleasant consequences such as court-appointed bailiffs. Once a bailiff gets hold of your debt, it can be difficult to get them to agree to affordable instalments. If you try talking to the council, they’lloften refer you
CAN I GET A MORTGAGE FOR A HOME ON A DMP? Jacksy Gemma Nash • 5 years ago • edited. I tried everywhere. You can only get a mortgage with dmp and 4 years after finished with Kensungton or Magellan. Precise can but need 30% deposit and they won't lend you as much as main stream banks so may not get the houseyou want.
JOINT DEBT AFTER DIVORCE OR SEPARATION: WHO HAS TO PAY? Joint debts vs. sole debts. The key difference on a joint debt is that two names will appear on the credit agreement. You’re both equally liable for the full amount, not just your share or half, and regardless of who spent what originally. Legally, this is called being ‘joint and severally liable’. NEW CCJ PROCESS CLAIM RULES: WHAT DO THEY MEAN? MONEYAWARE The new rules mean that your creditor must send a letter of claim before going to court to request a judgment. So, getting a letter of claim gives you more time to come to an agreement with them and avoid court action. If you ignore the letter of claim and don’t respond to it within the 30 days, your creditor can then begin court proceedings CREDIT RATINGS: HOW DO OTHER PEOPLE’S DEBTS AFFECT ME?SEE MORE ONMONEYAWARE.CO.UK
MONEYMAGPIE’S TOP 6 WEBSITES FOR FREEBIE FANATICS! MoneyMagpie’s top 6 websites for freebie fanatics! The lovely Jasmine Birtles from MoneyMagpie.com is back with a follow-up to her colleague Marc Crosby’s insightful guide on how to sort the genuine freebie websites from the fakes.Jasmine’s very kindly put together a list of her favourite freebie websites to save you time and hassle when on the hunt for free goodies. 20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool CAN YOU RUN AWAY FROM YOUR DEBTS? The act is there to protect people from being forced to pay debts that have ‘timed out’ through no fault of their own. It protects us all from being chased for very old debts that we weren’t aware of. However, it’s important to realise that these laws cannot be twisted to help you get away without paying your debts. THE 7 MAIN DIFFERENCES BETWEEN DAS DPPS AND DMPS This is run by the Scottish Government and has been part of Scottish law since 2004. A debt management plan (DMP) is an informal arrangement and as it isn’t run by government or set down in law it’s much more informal than a DPP. 2. Interest and charges on DPP and DMP. If you set up a DPP your interest and charges are frozen, sothe amount
WHAT HAPPENS IF I DON’T PAY MY COUNCIL TAX? Council tax is a ‘priority bill’. This means that if you don’t pay it – or make late payments – you could face unpleasant consequences such as court-appointed bailiffs. Once a bailiff gets hold of your debt, it can be difficult to get them to agree to affordable instalments. If you try talking to the council, they’lloften refer you
CAN I GET A MORTGAGE FOR A HOME ON A DMP? Jacksy Gemma Nash • 5 years ago • edited. I tried everywhere. You can only get a mortgage with dmp and 4 years after finished with Kensungton or Magellan. Precise can but need 30% deposit and they won't lend you as much as main stream banks so may not get the houseyou want.
JOINT DEBT AFTER DIVORCE OR SEPARATION: WHO HAS TO PAY? Joint debts vs. sole debts. The key difference on a joint debt is that two names will appear on the credit agreement. You’re both equally liable for the full amount, not just your share or half, and regardless of who spent what originally. Legally, this is called being ‘joint and severally liable’. NEW CCJ PROCESS CLAIM RULES: WHAT DO THEY MEAN? MONEYAWARE The new rules mean that your creditor must send a letter of claim before going to court to request a judgment. So, getting a letter of claim gives you more time to come to an agreement with them and avoid court action. If you ignore the letter of claim and don’t respond to it within the 30 days, your creditor can then begin court proceedings CREDIT RATINGS: HOW DO OTHER PEOPLE’S DEBTS AFFECT ME?SEE MORE ONMONEYAWARE.CO.UK
8 WAYS TO COMPLAIN AND GET WHAT YOU WANT Step 2: Get the facts, all of them. Keep a log, diary or timeline. Get the names of who you spoke to, when and as much information as you can. Keep letters and emails. Find out about the companies complaint procedure; most have one. If they don’t, find out who to complain to. Most will provide you with telephone, email or postal contacts. 20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, MONEYMAGPIE’S TOP 6 WEBSITES FOR FREEBIE FANATICS! MoneyMagpie’s top 6 websites for freebie fanatics! The lovely Jasmine Birtles from MoneyMagpie.com is back with a follow-up to her colleague Marc Crosby’s insightful guide on how to sort the genuine freebie websites from the fakes.Jasmine’s very kindly put together a list of her favourite freebie websites to save you time and hassle when on the hunt for free goodies. 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool NEW CCJ PROCESS CLAIM RULES: WHAT DO THEY MEAN? MONEYAWARE The new rules mean that your creditor must send a letter of claim before going to court to request a judgment. So, getting a letter of claim gives you more time to come to an agreement with them and avoid court action. If you ignore the letter of claim and don’t respond to it within the 30 days, your creditor can then begin court proceedings 10 TOP TIPS FOR MOVING INTO YOUR FIRST HOME This is a guest post from Sophie Burns, she’s an advisor on our debt helpline.. In June this year I took the plunge and moved in with my boyfriend. I figured it was going to be pretty easy, since I was about 14 I’ve been washing my own clothes, cleaning the bathroom, sorting out Elvis’ cage (my dear departed hamster), and I’d also startedcooking my own tea.
WARNING: DEBT COLLECTION & COUNCIL TAX EMAIL SCAM Here’s what to look out for in the debt collection and council tax bill scam emails, that we’re aware of, doing the rounds at the moment. 1. Council tax bill payments. This email is claiming to be from the council informing people about a new way they can pay their council tax bill online. It may also say that you’ve missed apayment
5 NASTY ONLINE AND PHISHING SCAMS TO LOOK OUT FOR! 5 nasty online scams to watch out for! It’s an awful fact of life that there people out there who are looking to scam you out of your money. As technology continues to improve, scammers and fraudsters are getting more creative. BANKRUPTCY: THE DIFFERENCES BETWEEN BANKRUPTCY AND AN IVA Bankruptcy: The differences between bankruptcy and an IVA. UPDATE 5 April 2016: This article was originally published in December 2011. The bankruptcy application process for people living in England, Wales and Northern Ireland is changing in 2016. 10 EASY WAYS TO CUT YOUR FAMILY’S SUPERMARKET SPEND 8. Avoid the clothes and toys aisles. Most supermarkets sell clothes and toys, I try to avoid these aisles completely as there’s always a ‘bargain’ that catches my eye and I end up spending more than I intended. Most people budget for clothes separately so your entire budget can be thrown out if you’re not careful. BUDGETING AND MONEY-MAKING TIPS . DEBT ADVICE. MONEYAWARE StepChange MoneyAware helps you avoid debt problems with practical advice & tips on money saving and making, budgeting, tips on living with debt and debt news. 20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, 32 WAYS TO SAVE MONEY ON YOUR BUDGET Rent – If your place is too big for you then you could consider downsizing to smaller place to save money on rent. This could also give you knock on savings to your utilities and council tax. Appliance rental / hire purchase – The easiest way to save money on appliance rental is to avoid them at all costs. If you’re skint and need a new YOU’RE IN DEBT: WHAT CAN YOUR CREDITORS ACTUALLY DO? There can be lots of misconceptions about what creditors (your lenders) can and cannot do. We hear from clients that are scared stiff of bailiffs (enforcement agents) or being sent to prison when they’ve only missed one or two payments or just received a default notice or a CCJ (County Court Judgment) through the post. Many people ask us is debt collection agencies can take you to court. 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool WHAT HAPPENS IF I DON’T PAY MY COUNCIL TAX? Council tax is a ‘priority bill’. This means that if you don’t pay it – or make late payments – you could face unpleasant consequences such as court-appointed bailiffs. Once a bailiff gets hold of your debt, it can be difficult to get them to agree to affordable instalments. If you try talking to the council, they’lloften refer you
NEW CCJ PROCESS CLAIM RULES: WHAT DO THEY MEAN? MONEYAWARE The new rules mean that your creditor must send a letter of claim before going to court to request a judgment. So, getting a letter of claim gives you more time to come to an agreement with them and avoid court action. If you ignore the letter of claim and don’t respond to it within the 30 days, your creditor can then begin court proceedings DAS: 7 THINGS YOU DIDN’T KNOW ABOUT DEBT ARRANGEMENT SCHEMES Unlike some debt advice companies, we don’t charge you anything to get set up on DAS. 1. DAS is the name of the debt scheme rather than the payment plan. The term DAS or Debt Arrangement Scheme is actually the name of the statutory scheme that’s run by the Scottish Government. A DPP or debt payment programme is the name for thepayment
CAN YOU RUN AWAY FROM YOUR DEBTS? The act is there to protect people from being forced to pay debts that have ‘timed out’ through no fault of their own. It protects us all from being chased for very old debts that we weren’t aware of. However, it’s important to realise that these laws cannot be twisted to help you get away without paying your debts. WHAT IS A DEFAULT NOTICE AND WHAT SHOULD YOU DO ABOUT THEM? Hi John, Thanks for posting. A default notice is normally applied to a debt when you've missed or paid less than the full amount for 3 to 6 months. However, this could vary and you should check the terms of your credit agreement to see if there’s BUDGETING AND MONEY-MAKING TIPS . DEBT ADVICE. MONEYAWARE StepChange MoneyAware helps you avoid debt problems with practical advice & tips on money saving and making, budgeting, tips on living with debt and debt news. 20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, 32 WAYS TO SAVE MONEY ON YOUR BUDGET Rent – If your place is too big for you then you could consider downsizing to smaller place to save money on rent. This could also give you knock on savings to your utilities and council tax. Appliance rental / hire purchase – The easiest way to save money on appliance rental is to avoid them at all costs. If you’re skint and need a new YOU’RE IN DEBT: WHAT CAN YOUR CREDITORS ACTUALLY DO? There can be lots of misconceptions about what creditors (your lenders) can and cannot do. We hear from clients that are scared stiff of bailiffs (enforcement agents) or being sent to prison when they’ve only missed one or two payments or just received a default notice or a CCJ (County Court Judgment) through the post. Many people ask us is debt collection agencies can take you to court. 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool WHAT HAPPENS IF I DON’T PAY MY COUNCIL TAX? Council tax is a ‘priority bill’. This means that if you don’t pay it – or make late payments – you could face unpleasant consequences such as court-appointed bailiffs. Once a bailiff gets hold of your debt, it can be difficult to get them to agree to affordable instalments. If you try talking to the council, they’lloften refer you
NEW CCJ PROCESS CLAIM RULES: WHAT DO THEY MEAN? MONEYAWARE The new rules mean that your creditor must send a letter of claim before going to court to request a judgment. So, getting a letter of claim gives you more time to come to an agreement with them and avoid court action. If you ignore the letter of claim and don’t respond to it within the 30 days, your creditor can then begin court proceedings DAS: 7 THINGS YOU DIDN’T KNOW ABOUT DEBT ARRANGEMENT SCHEMES Unlike some debt advice companies, we don’t charge you anything to get set up on DAS. 1. DAS is the name of the debt scheme rather than the payment plan. The term DAS or Debt Arrangement Scheme is actually the name of the statutory scheme that’s run by the Scottish Government. A DPP or debt payment programme is the name for thepayment
CAN YOU RUN AWAY FROM YOUR DEBTS? The act is there to protect people from being forced to pay debts that have ‘timed out’ through no fault of their own. It protects us all from being chased for very old debts that we weren’t aware of. However, it’s important to realise that these laws cannot be twisted to help you get away without paying your debts. WHAT IS A DEFAULT NOTICE AND WHAT SHOULD YOU DO ABOUT THEM? Hi John, Thanks for posting. A default notice is normally applied to a debt when you've missed or paid less than the full amount for 3 to 6 months. However, this could vary and you should check the terms of your credit agreement to see if there’s BUDGETING AND MONEY-MAKING TIPS . DEBT ADVICE. MONEYAWARE StepChange MoneyAware helps you avoid debt problems with practical advice & tips on money saving and making, budgeting, tips on living with debt and debt news. 101 WAYS TO SAVE MONEY 101 ways to save money. Just like any adventure, committing to living frugally can come with its pitfalls. When it comes to budgeting and taking care of debts, sometimes it’s not so much about making more money as it is about saving the money you already have.. The trickypart is
WARNING: DEBT COLLECTION & COUNCIL TAX EMAIL SCAM Here’s what to look out for in the debt collection and council tax bill scam emails, that we’re aware of, doing the rounds at the moment. 1. Council tax bill payments. This email is claiming to be from the council informing people about a new way they can pay their council tax bill online. It may also say that you’ve missed apayment
HOW TO BUDGET YOUR MONEY 2. Calculate your income. Your income is the money you receive each month from any work you do, as well as from benefits, pensions, investments, or money from partners or relatives. If you’re self-employed, base your budget on the net amount you can draw from business. This is the amount left after all taxes and business costsare paid.
THE 5 THINGS YOU NEED TO DO BEFORE GOING BANKRUPT 3. Complete your forms. When you go bankrupt you need to complete two bankruptcy forms. The larger form is the Statement of Affairs (6.28) and the smaller form is the Debtor’s Bankruptcy Petition (6.27). Also, if you qualify for the court fee being waived then you will also need to complete the application for a fee remission form (EX160). JOINT DEBT AFTER DIVORCE OR SEPARATION: WHO HAS TO PAY? Joint debts vs. sole debts. The key difference on a joint debt is that two names will appear on the credit agreement. You’re both equally liable for the full amount, not just your share or half, and regardless of who spent what originally. Legally, this is called being ‘joint and severally liable’. CAN I GET A MORTGAGE FOR A HOME ON A DMP? Jacksy Gemma Nash • 5 years ago • edited. I tried everywhere. You can only get a mortgage with dmp and 4 years after finished with Kensungton or Magellan. Precise can but need 30% deposit and they won't lend you as much as main stream banks so may not get the houseyou want.
WHAT DOES TREATING CUSTOMERS FAIRLY MEAN? Treating Customers Fairly isn’t just a phrase any more. It’s a formal requirement laid down by the FCA to ensure that all financial services provided to consumers are done so in a way that isn’t detrimental to the customer. You could say that the FCA are a sort of ‘financial bodyguard and protector’. Kind of like Kevin Costner,but
WHAT IS A DEFAULT NOTICE AND WHAT SHOULD YOU DO ABOUT THEM? Hi John, Thanks for posting. A default notice is normally applied to a debt when you've missed or paid less than the full amount for 3 to 6 months. However, this could vary and you should check the terms of your credit agreement to see if there’s CREDIT RATINGS: HOW DO OTHER PEOPLE’S DEBTS AFFECT ME? Credit histories are based on the individual person’s records, not the addresses of the property they live at. The only way another person’s debts can affect someone’s credit file would be if they shared a financial link, such as a joint bank account or loan. Kindregards.
BUDGETING AND MONEY-MAKING TIPS . DEBT ADVICE. MONEYAWARE StepChange MoneyAware helps you avoid debt problems with practical advice & tips on money saving and making, budgeting, tips on living with debt and debt news. 20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool 32 WAYS TO SAVE MONEY ON YOUR BUDGET Rent – If your place is too big for you then you could consider downsizing to smaller place to save money on rent. This could also give you knock on savings to your utilities and council tax. Appliance rental / hire purchase – The easiest way to save money on appliance rental is to avoid them at all costs. If you’re skint and need a new YOU’RE IN DEBT: WHAT CAN YOUR CREDITORS ACTUALLY DO? There can be lots of misconceptions about what creditors (your lenders) can and cannot do. We hear from clients that are scared stiff of bailiffs (enforcement agents) or being sent to prison when they’ve only missed one or two payments or just received a default notice or a CCJ (County Court Judgment) through the post. Many people ask us is debt collection agencies can take you to court.STATUTE BARRED DEBT
Template letter for statute barred debt. Here is the statute barred template letter (PDF) you can send. just add your name, address and the creditor’s details at the top. It doesn’t have to be exactly the same as this if you’d prefer to write your own. Here’s WHAT HAPPENS IF I DON’T PAY MY COUNCIL TAX? Council tax is a ‘priority bill’. This means that if you don’t pay it – or make late payments – you could face unpleasant consequences such as court-appointed bailiffs. Once a bailiff gets hold of your debt, it can be difficult to get them to agree to affordable instalments. If you try talking to the council, they’lloften refer you
CAN I GET A MORTGAGE FOR A HOME ON A DMP? Jacksy Gemma Nash • 5 years ago • edited. I tried everywhere. You can only get a mortgage with dmp and 4 years after finished with Kensungton or Magellan. Precise can but need 30% deposit and they won't lend you as much as main stream banks so may not get the houseyou want.
CAN YOU RUN AWAY FROM YOUR DEBTS? The act is there to protect people from being forced to pay debts that have ‘timed out’ through no fault of their own. It protects us all from being chased for very old debts that we weren’t aware of. However, it’s important to realise that these laws cannot be twisted to help you get away without paying your debts. WHAT IS A DEFAULT NOTICE AND WHAT SHOULD YOU DO ABOUT THEM? Hi John, Thanks for posting. A default notice is normally applied to a debt when you've missed or paid less than the full amount for 3 to 6 months. However, this could vary and you should check the terms of your credit agreement to see if there’s BUDGETING AND MONEY-MAKING TIPS . DEBT ADVICE. MONEYAWARE StepChange MoneyAware helps you avoid debt problems with practical advice & tips on money saving and making, budgeting, tips on living with debt and debt news. 20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool 32 WAYS TO SAVE MONEY ON YOUR BUDGET Rent – If your place is too big for you then you could consider downsizing to smaller place to save money on rent. This could also give you knock on savings to your utilities and council tax. Appliance rental / hire purchase – The easiest way to save money on appliance rental is to avoid them at all costs. If you’re skint and need a new YOU’RE IN DEBT: WHAT CAN YOUR CREDITORS ACTUALLY DO? There can be lots of misconceptions about what creditors (your lenders) can and cannot do. We hear from clients that are scared stiff of bailiffs (enforcement agents) or being sent to prison when they’ve only missed one or two payments or just received a default notice or a CCJ (County Court Judgment) through the post. Many people ask us is debt collection agencies can take you to court.STATUTE BARRED DEBT
Template letter for statute barred debt. Here is the statute barred template letter (PDF) you can send. just add your name, address and the creditor’s details at the top. It doesn’t have to be exactly the same as this if you’d prefer to write your own. Here’s WHAT HAPPENS IF I DON’T PAY MY COUNCIL TAX? Council tax is a ‘priority bill’. This means that if you don’t pay it – or make late payments – you could face unpleasant consequences such as court-appointed bailiffs. Once a bailiff gets hold of your debt, it can be difficult to get them to agree to affordable instalments. If you try talking to the council, they’lloften refer you
CAN I GET A MORTGAGE FOR A HOME ON A DMP? Jacksy Gemma Nash • 5 years ago • edited. I tried everywhere. You can only get a mortgage with dmp and 4 years after finished with Kensungton or Magellan. Precise can but need 30% deposit and they won't lend you as much as main stream banks so may not get the houseyou want.
CAN YOU RUN AWAY FROM YOUR DEBTS? The act is there to protect people from being forced to pay debts that have ‘timed out’ through no fault of their own. It protects us all from being chased for very old debts that we weren’t aware of. However, it’s important to realise that these laws cannot be twisted to help you get away without paying your debts. WHAT IS A DEFAULT NOTICE AND WHAT SHOULD YOU DO ABOUT THEM? Hi John, Thanks for posting. A default notice is normally applied to a debt when you've missed or paid less than the full amount for 3 to 6 months. However, this could vary and you should check the terms of your credit agreement to see if there’s 101 WAYS TO SAVE MONEY 101 ways to save money. Just like any adventure, committing to living frugally can come with its pitfalls. When it comes to budgeting and taking care of debts, sometimes it’s not so much about making more money as it is about saving the money you already have.. The trickypart is
NEW CCJ PROCESS CLAIM RULES: WHAT DO THEY MEAN? MONEYAWARE The new rules mean that your creditor must send a letter of claim before going to court to request a judgment. So, getting a letter of claim gives you more time to come to an agreement with them and avoid court action. If you ignore the letter of claim and don’t respond to it within the 30 days, your creditor can then begin court proceedings THE 5 THINGS YOU NEED TO DO BEFORE GOING BANKRUPT 3. Complete your forms. When you go bankrupt you need to complete two bankruptcy forms. The larger form is the Statement of Affairs (6.28) and the smaller form is the Debtor’s Bankruptcy Petition (6.27). Also, if you qualify for the court fee being waived then you will also need to complete the application for a fee remission form (EX160). 5 CAR TIPS TO MAKE YOUR FUEL GO FURTHER 5 car tips to make your fuel go further. Stuart Masson is owner and editor of The Car Expert, the UK’s leading site for impartial car buying advice as well as news and information from all over theautomotive world.
DAS: 7 THINGS YOU DIDN’T KNOW ABOUT DEBT ARRANGEMENT SCHEMES Unlike some debt advice companies, we don’t charge you anything to get set up on DAS. 1. DAS is the name of the debt scheme rather than the payment plan. The term DAS or Debt Arrangement Scheme is actually the name of the statutory scheme that’s run by the Scottish Government. A DPP or debt payment programme is the name for thepayment
WHAT DOES TREATING CUSTOMERS FAIRLY MEAN? Treating Customers Fairly isn’t just a phrase any more. It’s a formal requirement laid down by the FCA to ensure that all financial services provided to consumers are done so in a way that isn’t detrimental to the customer. You could say that the FCA are a sort of ‘financial bodyguard and protector’. Kind of like Kevin Costner,but
5 NASTY ONLINE AND PHISHING SCAMS TO LOOK OUT FOR! 5 nasty online scams to watch out for! It’s an awful fact of life that there people out there who are looking to scam you out of your money. As technology continues to improve, scammers and fraudsters are getting more creative. WHAT IS A DEFAULT NOTICE AND WHAT SHOULD YOU DO ABOUT THEM? Hi John, Thanks for posting. A default notice is normally applied to a debt when you've missed or paid less than the full amount for 3 to 6 months. However, this could vary and you should check the terms of your credit agreement to see if there’s BANKRUPTCY: THE DIFFERENCES BETWEEN BANKRUPTCY AND AN IVA Bankruptcy: The differences between bankruptcy and an IVA. UPDATE 5 April 2016: This article was originally published in December 2011. The bankruptcy application process for people living in England, Wales and Northern Ireland is changing in 2016. 10 EASY WAYS TO CUT YOUR FAMILY’S SUPERMARKET SPEND 8. Avoid the clothes and toys aisles. Most supermarkets sell clothes and toys, I try to avoid these aisles completely as there’s always a ‘bargain’ that catches my eye and I end up spending more than I intended. Most people budget for clothes separately so your entire budget can be thrown out if you’re not careful. BUDGETING AND MONEY-MAKING TIPS . DEBT ADVICE. MONEYAWARE StepChange MoneyAware helps you avoid debt problems with practical advice & tips on money saving and making, budgeting, tips on living with debt and debt news. 20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, 32 WAYS TO SAVE MONEY ON YOUR BUDGET Rent – If your place is too big for you then you could consider downsizing to smaller place to save money on rent. This could also give you knock on savings to your utilities and council tax. Appliance rental / hire purchase – The easiest way to save money on appliance rental is to avoid them at all costs. If you’re skint and need a new MONEYMAGPIE’S TOP 6 WEBSITES FOR FREEBIE FANATICS! MoneyMagpie’s top 6 websites for freebie fanatics! The lovely Jasmine Birtles from MoneyMagpie.com is back with a follow-up to her colleague Marc Crosby’s insightful guide on how to sort the genuine freebie websites from the fakes.Jasmine’s very kindly put together a list of her favourite freebie websites to save you time and hassle when on the hunt for free goodies. 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool CAN I GET A MORTGAGE FOR A HOME ON A DMP? Jacksy Gemma Nash • 5 years ago • edited. I tried everywhere. You can only get a mortgage with dmp and 4 years after finished with Kensungton or Magellan. Precise can but need 30% deposit and they won't lend you as much as main stream banks so may not get the houseyou want.
JOINT DEBT AFTER DIVORCE OR SEPARATION: WHO HAS TO PAY? Joint debts vs. sole debts. The key difference on a joint debt is that two names will appear on the credit agreement. You’re both equally liable for the full amount, not just your share or half, and regardless of who spent what originally. Legally, this is called being ‘joint and severally liable’. WHAT HAPPENS IF I DON’T PAY MY COUNCIL TAX? Council tax is a ‘priority bill’. This means that if you don’t pay it – or make late payments – you could face unpleasant consequences such as court-appointed bailiffs. Once a bailiff gets hold of your debt, it can be difficult to get them to agree to affordable instalments. If you try talking to the council, they’lloften refer you
OVERDRAFT DEBT: WHAT TO DO IF YOU'RE CONSTANTLY OVERDRAWN 4 steps to get out of overdraft debt. 1. Create a budget. Making a list of your income and expenditure can have a seriously huge effect on your finances. You can’t be in control of your finances without understanding what you have coming in and where your money is going (we’ve got some great tips on getting started with creating a budget CAN YOU RUN AWAY FROM YOUR DEBTS? The act is there to protect people from being forced to pay debts that have ‘timed out’ through no fault of their own. It protects us all from being chased for very old debts that we weren’t aware of. However, it’s important to realise that these laws cannot be twisted to help you get away without paying your debts. BUDGETING AND MONEY-MAKING TIPS . DEBT ADVICE. MONEYAWARE StepChange MoneyAware helps you avoid debt problems with practical advice & tips on money saving and making, budgeting, tips on living with debt and debt news. 20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, 32 WAYS TO SAVE MONEY ON YOUR BUDGET Rent – If your place is too big for you then you could consider downsizing to smaller place to save money on rent. This could also give you knock on savings to your utilities and council tax. Appliance rental / hire purchase – The easiest way to save money on appliance rental is to avoid them at all costs. If you’re skint and need a new MONEYMAGPIE’S TOP 6 WEBSITES FOR FREEBIE FANATICS! MoneyMagpie’s top 6 websites for freebie fanatics! The lovely Jasmine Birtles from MoneyMagpie.com is back with a follow-up to her colleague Marc Crosby’s insightful guide on how to sort the genuine freebie websites from the fakes.Jasmine’s very kindly put together a list of her favourite freebie websites to save you time and hassle when on the hunt for free goodies. 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool CAN I GET A MORTGAGE FOR A HOME ON A DMP? Jacksy Gemma Nash • 5 years ago • edited. I tried everywhere. You can only get a mortgage with dmp and 4 years after finished with Kensungton or Magellan. Precise can but need 30% deposit and they won't lend you as much as main stream banks so may not get the houseyou want.
JOINT DEBT AFTER DIVORCE OR SEPARATION: WHO HAS TO PAY? Joint debts vs. sole debts. The key difference on a joint debt is that two names will appear on the credit agreement. You’re both equally liable for the full amount, not just your share or half, and regardless of who spent what originally. Legally, this is called being ‘joint and severally liable’. WHAT HAPPENS IF I DON’T PAY MY COUNCIL TAX? Council tax is a ‘priority bill’. This means that if you don’t pay it – or make late payments – you could face unpleasant consequences such as court-appointed bailiffs. Once a bailiff gets hold of your debt, it can be difficult to get them to agree to affordable instalments. If you try talking to the council, they’lloften refer you
OVERDRAFT DEBT: WHAT TO DO IF YOU'RE CONSTANTLY OVERDRAWN 4 steps to get out of overdraft debt. 1. Create a budget. Making a list of your income and expenditure can have a seriously huge effect on your finances. You can’t be in control of your finances without understanding what you have coming in and where your money is going (we’ve got some great tips on getting started with creating a budget CAN YOU RUN AWAY FROM YOUR DEBTS? The act is there to protect people from being forced to pay debts that have ‘timed out’ through no fault of their own. It protects us all from being chased for very old debts that we weren’t aware of. However, it’s important to realise that these laws cannot be twisted to help you get away without paying your debts. 20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, MONEYMAGPIE’S TOP 6 WEBSITES FOR FREEBIE FANATICS! MoneyMagpie’s top 6 websites for freebie fanatics! The lovely Jasmine Birtles from MoneyMagpie.com is back with a follow-up to her colleague Marc Crosby’s insightful guide on how to sort the genuine freebie websites from the fakes.Jasmine’s very kindly put together a list of her favourite freebie websites to save you time and hassle when on the hunt for free goodies. 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool 8 WAYS TO COMPLAIN AND GET WHAT YOU WANT Step 2: Get the facts, all of them. Keep a log, diary or timeline. Get the names of who you spoke to, when and as much information as you can. Keep letters and emails. Find out about the companies complaint procedure; most have one. If they don’t, find out who to complain to. Most will provide you with telephone, email or postal contacts. THE 5 THINGS YOU NEED TO DO BEFORE GOING BANKRUPT 3. Complete your forms. When you go bankrupt you need to complete two bankruptcy forms. The larger form is the Statement of Affairs (6.28) and the smaller form is the Debtor’s Bankruptcy Petition (6.27). Also, if you qualify for the court fee being waived then you will also need to complete the application for a fee remission form (EX160). THE 7 MAIN DIFFERENCES BETWEEN DAS DPPS AND DMPS This is run by the Scottish Government and has been part of Scottish law since 2004. A debt management plan (DMP) is an informal arrangement and as it isn’t run by government or set down in law it’s much more informal than a DPP. 2. Interest and charges on DPP and DMP. If you set up a DPP your interest and charges are frozen, sothe amount
NEW CCJ PROCESS CLAIM RULES: WHAT DO THEY MEAN? MONEYAWARE The new rules mean that your creditor must send a letter of claim before going to court to request a judgment. So, getting a letter of claim gives you more time to come to an agreement with them and avoid court action. If you ignore the letter of claim and don’t respond to it within the 30 days, your creditor can then begin court proceedings HOW TO INSULATE A HOUSE CHEAPLY: TOP HOME INSULATION IDEAS 3. Free home insulation schemes. As part of the Government’s Green Deal you could be entitled to lots of free energy-saving improvements to help insulate and heat your home. Depending on where you live and whether you meet the criteria, some suppliers are offering freeinsulation and
10 EASY WAYS TO CUT YOUR FAMILY’S SUPERMARKET SPEND 8. Avoid the clothes and toys aisles. Most supermarkets sell clothes and toys, I try to avoid these aisles completely as there’s always a ‘bargain’ that catches my eye and I end up spending more than I intended. Most people budget for clothes separately so your entire budget can be thrown out if you’re not careful. CREDIT RATINGS: HOW DO OTHER PEOPLE’S DEBTS AFFECT ME? Credit histories are based on the individual person’s records, not the addresses of the property they live at. The only way another person’s debts can affect someone’s credit file would be if they shared a financial link, such as a joint bank account or loan. Kindregards.
BUDGETING AND MONEY-MAKING TIPS . DEBT ADVICE. MONEYAWARE StepChange MoneyAware helps you avoid debt problems with practical advice & tips on money saving and making, budgeting, tips on living with debt and debt news. 20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, 32 WAYS TO SAVE MONEY ON YOUR BUDGET If not then you might be able to save money by getting rid of your line. If you find you use mainly use your mobile then getting rid of your landline could save a few quid. Clothing and footwear – Repurposing your old clobber is a great way to get that new 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool NEW CCJ PROCESS CLAIM RULES: WHAT DO THEY MEAN? MONEYAWARE The new rules mean that your creditor must send a letter of claim before going to court to request a judgment. So, getting a letter of claim gives you more time to come to an agreement with them and avoid court action. If you ignore the letter of claim and don’t respond to it within the 30 days, your creditor can then begin court proceedings YOU’RE IN DEBT: WHAT CAN YOUR CREDITORS ACTUALLY DO? There can be lots of misconceptions about what creditors (your lenders) can and cannot do. We hear from clients that are scared stiff of bailiffs (enforcement agents) or being sent to prison when they’ve only missed one or two payments or just received a default notice or a CCJ (County Court Judgment) through the post. Many people ask us is debt collection agencies can take you to court. JOINT DEBT AFTER DIVORCE OR SEPARATION: WHO HAS TO PAY? Joint debts vs. sole debts. The key difference on a joint debt is that two names will appear on the credit agreement. You’re both equally liable for the full amount, not just your share or half, and regardless of who spent what originally. Legally, this is called being ‘joint and severally liable’. WHAT HAPPENS IF I DON’T PAY MY COUNCIL TAX?PAY MY COUNCIL TAXCOUNCIL TAX PAY ONLINECOUNCIL TAX PAYMENT Council tax is a ‘priority bill’. This means that if you don’t pay it – or make late payments – you could face unpleasant consequences such as court-appointed bailiffs. Once a bailiff gets hold of your debt, it can be difficult to get them to agree to affordable instalments. If you try talking to the council, they’lloften refer you
BANKRUPTCY: THE DIFFERENCES BETWEEN BANKRUPTCY AND AN IVA Bankruptcy: The differences between bankruptcy and an IVA. UPDATE 5 April 2016: This article was originally published in December 2011. The bankruptcy application process for people living in England, Wales and Northern Ireland is changing in 2016. 10 EASY WAYS TO CUT YOUR FAMILY’S SUPERMARKET SPEND 8. Avoid the clothes and toys aisles. Most supermarkets sell clothes and toys, I try to avoid these aisles completely as there’s always a ‘bargain’ that catches my eye and I end up spending more than I intended. Most people budget for clothes separately so your entire budget can be thrown out if you’re not careful. BUDGETING AND MONEY-MAKING TIPS . DEBT ADVICE. MONEYAWARE StepChange MoneyAware helps you avoid debt problems with practical advice & tips on money saving and making, budgeting, tips on living with debt and debt news. 20 WEIRD AND WONDERFUL WAYS TO MAKE MONEY Go to the Tesco store locator to find a Tesco near you. If it has a recycling logo under the store name, you’re sorted! 10. Sell your trees. James told me that one of our debt advisors recently sold a monkey puzzle tree from her back garden on eBay. Firstly, 32 WAYS TO SAVE MONEY ON YOUR BUDGET If not then you might be able to save money by getting rid of your line. If you find you use mainly use your mobile then getting rid of your landline could save a few quid. Clothing and footwear – Repurposing your old clobber is a great way to get that new 50 USES FOR DISTILLED VINEGAR Whitener of teeth. Dip your toothbrush in vinegar once a week and give your teeth a good scrub. Supposedly this helps to whiten your teeth as well as getting rid of bad breath. Not sure if vinegar breath is ‘good’ breath though. 8. Prolong-er of manicures. Soak cotton wool NEW CCJ PROCESS CLAIM RULES: WHAT DO THEY MEAN? MONEYAWARE The new rules mean that your creditor must send a letter of claim before going to court to request a judgment. So, getting a letter of claim gives you more time to come to an agreement with them and avoid court action. If you ignore the letter of claim and don’t respond to it within the 30 days, your creditor can then begin court proceedings YOU’RE IN DEBT: WHAT CAN YOUR CREDITORS ACTUALLY DO? There can be lots of misconceptions about what creditors (your lenders) can and cannot do. We hear from clients that are scared stiff of bailiffs (enforcement agents) or being sent to prison when they’ve only missed one or two payments or just received a default notice or a CCJ (County Court Judgment) through the post. Many people ask us is debt collection agencies can take you to court. JOINT DEBT AFTER DIVORCE OR SEPARATION: WHO HAS TO PAY? Joint debts vs. sole debts. The key difference on a joint debt is that two names will appear on the credit agreement. You’re both equally liable for the full amount, not just your share or half, and regardless of who spent what originally. Legally, this is called being ‘joint and severally liable’. WHAT HAPPENS IF I DON’T PAY MY COUNCIL TAX?PAY MY COUNCIL TAXCOUNCIL TAX PAY ONLINECOUNCIL TAX PAYMENT Council tax is a ‘priority bill’. This means that if you don’t pay it – or make late payments – you could face unpleasant consequences such as court-appointed bailiffs. Once a bailiff gets hold of your debt, it can be difficult to get them to agree to affordable instalments. If you try talking to the council, they’lloften refer you
BANKRUPTCY: THE DIFFERENCES BETWEEN BANKRUPTCY AND AN IVA Bankruptcy: The differences between bankruptcy and an IVA. UPDATE 5 April 2016: This article was originally published in December 2011. The bankruptcy application process for people living in England, Wales and Northern Ireland is changing in 2016. 10 EASY WAYS TO CUT YOUR FAMILY’S SUPERMARKET SPEND 8. Avoid the clothes and toys aisles. Most supermarkets sell clothes and toys, I try to avoid these aisles completely as there’s always a ‘bargain’ that catches my eye and I end up spending more than I intended. Most people budget for clothes separately so your entire budget can be thrown out if you’re not careful. BUDGETING AND MONEY-MAKING TIPS . DEBT ADVICE. MONEYAWARE StepChange MoneyAware helps you avoid debt problems with practical advice & tips on money saving and making, budgeting, tips on living with debt and debt news. OVERDRAFT DEBT: WHAT TO DO IF YOU'RE CONSTANTLY OVERDRAWN 4 steps to get out of overdraft debt. 1. Create a budget. Making a list of your income and expenditure can have a seriously huge effect on your finances. You can’t be in control of your finances without understanding what you have coming in and where your money is going (we’ve got some great tips on getting started with creating a budget 10 EASY WAYS TO CUT YOUR FAMILY’S SUPERMARKET SPEND 8. Avoid the clothes and toys aisles. Most supermarkets sell clothes and toys, I try to avoid these aisles completely as there’s always a ‘bargain’ that catches my eye and I end up spending more than I intended. Most people budget for clothes separately so your entire budget can be thrown out if you’re not careful. THE 7 MAIN DIFFERENCES BETWEEN DAS DPPS AND DMPS This is run by the Scottish Government and has been part of Scottish law since 2004. A debt management plan (DMP) is an informal arrangement and as it isn’t run by government or set down in law it’s much more informal than a DPP. 2. Interest and charges on DPP and DMP. If you set up a DPP your interest and charges are frozen, sothe amount
STATUTE BARRED DEBT
Template letter for statute barred debt. Here is the statute barred template letter (PDF) you can send. just add your name, address and the creditor’s details at the top. It doesn’t have to be exactly the same as this if you’d prefer to write your own. Here’s HOW TO CLEAN UP YOUR CREDIT FILE AFTER AN IVA If you’d rather not take out new credit, there are alternatives. Loqbox helps you build up your credit score while saving money at the same time. Here’s how it works. Choose how much you want to save every month between £20 and £500. Buy a Loqbox (think of it as a digital safe) worth 12 times those savings. HOW TO DO DEAL WITH A COUNTY COURT JUDGMENT CCJ. MONEYAWARE How to deal with a county court judgment (CCJ) A County Court judgment (CCJ) is a court order which tells you to pay money you owe to a debt. It’s one of the actions your creditors can take as part of the debtcollection process.
CAN YOU RUN AWAY FROM YOUR DEBTS? The act is there to protect people from being forced to pay debts that have ‘timed out’ through no fault of their own. It protects us all from being chased for very old debts that we weren’t aware of. However, it’s important to realise that these laws cannot be twisted to help you get away without paying your debts. STOP DEBT CONTACT FROM CREDITORS. STEPCHANGE MONEYAWARE So you’ve had your light bulb moment and you’ve taken that big step and contacted us about your debt problems.. You feel relieved that you’ve admitted you need help and speaking to a debt advisor who explained all your options and offered you some helpful advice. WHAT IS A DEFAULT NOTICE AND WHAT SHOULD YOU DO ABOUT THEM? Hi John, Thanks for posting. A default notice is normally applied to a debt when you've missed or paid less than the full amount for 3 to 6 months. However, this could vary and you should check the terms of your credit agreement to see if there’s THIS WEBSITE USES COOKIES We use cookies to optimise your experience on our website. Press the OK button if you're happy to receive all cookies. You can change your settings at any time by clicking on ‘Show details’ below, or by visiting our cookies page. Use necessary cookies only OK SettingsOK
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BE MORE MONEY AWARE
Today’s the day you take back financial control and reduce your debt stress! Make the most of your money with income-boosting, money-saving and budgeting-busting tips. CORONAVIRUS (COVID-19), YOUR MONEY AND YOUR DEBTS LAST UPDATED: 24 March 2020 Since the Prime Minister’s recent address to the nation, life has changed drastically for many...Read more
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