If you’re struggling to pay day-to-day bills, or to keep up with loan repayments and other financial commitments, there are a number of options open to you to help clear your debts. What’s in this guide Speak to a free debt adviser Debt solutions overview Debt Management Plan Individual Voluntary Arrangement (IVA) Debt Relief Order […]
It’s important to think carefully about declaring yourself bankrupt. Find out more about what it means then talk to a free debt adviser about whether bankruptcy is the best way to pay off or clear your debts. This information is for you if you live in England or Wales only. What’s in this guide […]
Find out more about how an Individual Voluntary Arrangement (IVA) works and which debts it covers. Then talk to a free debt adviser about whether it’s the best way to pay off or clear your debts. What’s in this guide Speak to a free debt adviser Which debts can you pay off with an IVA? […]
Find out more about how an Individual Voluntary Arrangement (IVA) works and which debts it covers. Then talk to a free debt adviser about whether it’s the best way to pay off or clear your debts. What’s in this guide Speak to a free debt adviser Which debts can you pay off with an IVA? […]
Parking tickets can be issued by official bodies, such as councils and the police, or private parking companies. It’s crucial to know which applies, as they can look very similar but the appeals process is different. Penalty Charge Notice (PCN) or Excess Charge Notice (ECN) from the council – these are issued on public land, […]
It all begins with a Notice of Intended Prosecution If a road traffic offence has been committed, then the police will issue a Notice of Intended Prosecution (NIP). An individual must be informed by way of a NIP before they can be charged for certain driving offences. In some cases the driver can be warned […]
Our advisors speak to a number of callers who may for a variety of reasons want to recover money from an individual or a business. Having exhausted all other options, callers frequently feel taking legal action in the Small Claims Court (SCC) is the only remedy they have left. The purpose of this factsheet is […]
Today, we can buy goods 24/7. In this factsheet we look at the law which applies to those transactions and any legal redress you have when things go wrong. When buying any goods or services, it is helpful to know that the Consumer Rights Act 2015 (CRA) sets out what a consumer should expect from […]
We frequently speak to callers who are unhappy with a builder or other tradesman and the standard of their work. Problems with builders experienced by our callers include: the builder does not turn up when arranged the builder has walked off site the quality of the work is not satisfactory the quality of the goods […]
Used motor vehicles – consumer rights Buying a used car can be problematic when things go wrong. This factsheet is designed to provide some tips to help with buying a car and what to do when things go wrong. When you buy a car from a trader i.e. a garage or car dealership you enter […]