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Statute of Limitations and debt in the UK – Everything you need to know

The Statute of Limitations on debt in the UK means that you might not have to pay your debt if too much time has passed for your creditor to pursue it. The Limitation Act of 1980 established a time limit for your creditor to chase your debt. Once this time limit is...

How to deal with Little Loans Debt

If you're dealing with Little Loans debt, this usually means that you're in debt to one of their lenders. This is because Little Loans are a credit broker, which means they find you a lender and take commission from that lender. If you haven't responded to your Little...

How to deal with debt from the DWP

Many of us claim benefits or social fund loans in the UK, from Universal Credit, Income Support and Jobseeker's Allowance, to budgeting loans and tax credits. These benefits and loans are issued by the DWP (Department for Work and Pensions). If you're in debt to the...

In debt to Cash4Unow? Here’s what to do

If you're struggling with debt from CASH4UNOW you're not alone. Dealing with debt is a really stressful experience, but there are many sources of help available, and lots of ways to get debt-free, for good. CASH4UNOW are a payday loans company, offering what they call...

How to deal with Lantern Debt Collectors

If Lantern debt collectors are chasing you for debt, the first thing to know is that you're not alone and there are lots of things you can do to get debt free for good. Debt has a way of making us feel really isolated, but there's nothing to be ashamed of or worried...

Shop Direct Finance debt? Here’s what to do

If you're dealing with Shop Direct Finance debt, you're not alone. For decades, catalogues from retailers associated with Shop Direct have been a popular way to get items immediately, while paying in instalments. Most adults today have catalogue brands etched in their...

Judge & Priestley debt collectors – How to Deal With Them

We know how stressful it is dealing with debt from Judge & Priestley or any other debt collection agency. However, when you strip away the mystery from debt collectors, you'll see that they really don't have as much power as they make out. There are a lot of...

How to deal with Harlands debt collectors

If you ever cancelled direct debits on a gym membership contract or couldn't make your utilities bill payments, you might have been contacted by Harlands debt collectors. Few people realise this, but when you sign a gym membership, it's often the same as signing a...

Is an IVA worth it?

If you're feeling trapped by debt that you can't pay off, you're not alone. While debt has a way of making us feel totally isolated, there are methods and solutions that can help you write off some or even all of your debt, such as an Individual Voluntary Arrangement...

Moorcroft Debt Recovery

Stop all creditor contact now and write off your debt with an IVA, from £70 per month Get started for free What to Do When Moorcroft Debt Recovery Contacts You: A Complete Guide Has The Moorcroft Collection Agency recently contacted you regarding your debts?...

Is an IVA worth it?

We understand that choosing to go through an IVA is a big decision. But with our help, you can finally feel like yourself again and get back on your feet financially. Only you know whether or not an Individual Voluntary Arrangement (IVA) is right for you but we're...

Struggling to pay your IVA due to Coronavirus (Covid-19)? Here’s what to do

If you are currently in an IVA (Individual Voluntary Arrangement) and you are struggling to make repayments, due to Covid-19, there is help at hand.  You can request a 3 month break from paying your IVA and also a reduction in future payments of 25%. This could give...

Are Moorcroft Debt Recovery still visiting homes?

Updated: 24 May 2020 With the Covid-19 pandemic still very much active, bailiff companies are making very tough decisions whether to visit clients or not. On this post we aim to keep you updated on how Moorcroft Debt Recovery Limited are handling visits to their...

What is the Insolvency Register?

When it comes to debt management there are various options available to both the ‘creditor’ (the person to whom the money is owed) and the ‘debtor’ (the person who owes the money). In the vast majority of cases, debts (howsoever caused) can be dealt with on an...

What are Secured Loans?

What is a secured loan? A secured loan (also known as a homeowner loan) is when you borrow money and use your house as security against the loan. This would mean if you did not keep up with the payments on your homeowner loan, your property could be at risk. A...

IVA’s And Your Property

The fear of losing your home is frightening for just about anyone. However when you’re heavily in debt and creditors start making threats about taking your home through bankruptcy and insolvency, or that they’ll tell your landlord that fear becomes magnified. However,...

Can an IVA affect my job?

The income you need to pay off your debts means you must be able to hold down a job or keep your business on track, but that’s hard to do when debt affects every part of your life, from your relationships with co-workers to your job performance. While a debt solution...

Have You Been Mis-Sold An IVA?

Over the last few years, IVAs have rocketed in popularity, but like any popular financial product there will always be instances where it should not have been sold to someone as they were unsuitable. The Financial Services Authority and the Insolvency Service has laid...

Should You Get Into Debt To Pay For Your Wedding?

To most people, a wedding is a lifetime event that they cannot afford to trivialize. But, with average prices going through the roof (£20,000 on an average), the dream wedding may remain a dream for most working class couples. This begs a pertinent question: Is it...

Insolvencies highest in North East and South West

The North East and South West of England have more cases of personal insolvency than anywhere else in the UK, says debt management company IVA-Advice.co. Figures from the Insolvency Service has shown that the North East and South West show the highest numbers of...

Half the nation struggles to pay their bills

Over half of the nation are struggling to cope with their finances, with nine million more people experiencing financial difficulties than seven years ago says debt management company IVA-Advice.co. A new study by the Money Advice Service (MAS) into the state of the...