Tag Archives: bailiffs

July’s money and debt news

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It’s been over a month since the Brexit vote, and we’ve been busy looking at how it could affect your finances if you’re in debt. 

July has also seen increases to the cost of bankruptcy  in England and Wales, Universal Credit being pushed back, and the release of our latest report, looking into which organisations are the most unfair when dealing with people with debt problems.

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May’s debt and money news

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This month we’ve been keeping an eye out on the latest scams, with reports of people getting suspicious-looking emails about Council Tax arrears.

Search giant Google has taken the decision to ban payday loan adverts from its search results, and do you know exactly what’s in your bank account? According to a report, two thirds of us are happy to remain blissfully unaware! It’s all here in May’s debt and money news.

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Five secrets of debt collection

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Letters demands

Don’t ignore letters, but don’t let them scare you

Creditor calls and letters? Threats of court action or home visits? Welcome to the debt collection process.

Each creditor is different in how they deal with people who are struggling to pay. All creditors have one thing in common though: as businesses they want to recover as much money as they can. And the debt collection process is their way of chasing you to repay what you owe.
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Bailiffs: ten things you need to know

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Update: since this article was written there’s been a major change in bailiff law.

When you’ve got debt problems you live in fear of a visit from a bailiff (sometimes referred to as “enforcement agents”). But there is no need to be worried. 

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Bailiffs: know your rights

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Not all bailiffs are burly!

Not all bailiffs are burly!

The threat of bailiffs (now officially called enforcement agents) at the door can be extremely worrying if you don’t know what powers they have or how to deal with them. Before I started working here I, like most others, thought of bailiffs as a burly men banging the door down. That’s enough to scare anyone, but it’s often far from the truth.

The best way to deal with bailiffs is to know your rights, and this is where we can help.

We’ve put together an infographic which lists the dos and don’ts when dealing with bailiffs. It’s a handy checklist to refer to for quick advice, but as you may know, bailiff debt law is a complicated topic and it’s important that you get some free and impartial advice if there’s a threat of bailiffs coming to your home.

This article was first written in 2012, there have been updates to bailiffs law since then. For the most up to date information please visit our website.

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9 debt myths busted

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Be careful what you believe

Be careful what you believe

Earlier this year we started busting debt myths in a monster myth-busting blogpost.

To help anyone on a debt management plan we’ve picked the nine most-repeated DMP-related myths to help you.

If you hear these, take the advice with a huge pinch of salt…

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Debt collectors are not bailiffs

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debt collector bailiff

A stereotypical image of a bailiff

If you’ve got unsecured debt (for example from a credit card, personal loan, overdraft or store card) that you can’t pay and are losing sleep thinking that “the bailiffs are going to be called”, don’t worry.

Creditors of unsecured debts cannot send bailiffs (or enforcement agents, as they’re officially known) to your home.

Creditors can send, or threaten to send, doorstep collectors but it’s really important to realise that these people have no more power than someone ringing you. Quite often it’s just a scare tactic.

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