Scott Nelson - Debt Expert
Posts by Scott Nelson:
Debt Management Plan Pros and Cons
A Debt Management Plan (DMP) is an informal agreement between you and your creditors, stating that you will make reduced monthly repayments towards your debt. DMPs are a popular debt solution in the UK, but they aren't right for everyone. Let me walk you through the pros and cons...
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Who Sent Me PO Box 140 Normanton WF6 1YA Debt Letter?
Receiving a debt letter from PO Box 140 Normanton WF6 1YA can be confusing and scary. But don’t worry; we’re here to help you understand what it means and what to do next. Every month, over 12,000 people visit this site for advice on debt issues, just like this one. You’re not alone. In this article, […]
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If I Clear my Debt can I get a Mortgage?
Clearing your debt will improve your personal finances, which will strengthen your mortgage application. But, clearing your debt won't necessarily result in a successful mortgage application. Let me walk you through your options...
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JCIA Debt – Should You Pay?
You might not have to pay JCIA debt. But, it's important that you don't ignore them as further enforcement action may be taken. Let me walk you through your options…
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Black Horse Finance Bad Credit – Is It Possible?
Black Horse may accept your car financing application if you have bad credit. But, your credit score is just one consideration for Black Horse. Let me walk you through the eligibility requirements...
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Am I Liable for My Ex Partner’s Debt?
You are not liable for your ex-partner's debts unless you acted as a guarantor or they are joint debts. Joint debts include any bills, tenancy agreements, or bank accounts that you set up together. Let me explain...
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Can a debt collector take my car?
A debt collector cannot take your car. But, if they file for a CCJ to be issued against you, bailiffs could end up seizing your vehicle. Let me walk you through the process...
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Lost My Job, Need Money to Pay Bills – In-depth Guide
If you've lost your job and need money to pay your bills, you should apply for Universal Credit immediately. You also may be able to get a council tax reduction or a mortgage break. Let me walk you through your options...
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Best Debt Management Companies
There are a lot of things to consider before committing to a debt management company. You need to review services, costs, and strategy, just to name a few. Let me talk you through it…
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Shop Direct Finance Company Ltd on My Credit Report! Answer
Are you worried because you have found ‘Shop Direct Finance Company Ltd’ on your credit report? Don’t worry, you are not alone. Every month, over 12,000 people visit this site looking for advice on topics such as this. In this article, we’ll help you understand: We know how worrying it can be when you find […]
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First Plus Loan Debt (Elderbridge) Should You Pay?
Not everyone will need to pay First Plus Loan Debt. But, it's important that you don't ignore them as further enforcement action may be taken. Let me walk you through your options…
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Interest on Debt – All You Need to Know
Interest on debt is essentially a form of compensation charged by creditors for borrowing their money, with the ability to calculate this cost providing vital control over your financial health. Let's delve into the details...
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Is Clearscore Accurate & Could My Score be Wrong?
Clearscore's accuracy is usually reliable as it pulls information from Experian, but there could be occasional discrepancies due to errors in reporting. Curious about the specifics?
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Barclaycard Debt Collection Agency – Should You Pay?
You might not have to pay Barclaycard Debt Collection Agency. But, it's important that you don't ignore them as further enforcement action may be taken. Let me walk you through your options…
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Average Credit Card Debt in the UK
As of November 2022, the average credit card debt per individual in the UK was £1203. But, this differs considerably based on age group. Let me explain...
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Average UK Pension Contribution
The average UK pension contribution amounts to £2,700 per year for a single individual. Keep reading to unravel the intricacies of this figure and how it shapes retirement outcomes.
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Is Non-Payment of Council Tax a Civil or Criminal Offence?
Non-payment of council tax in the UK is deemed a civil offence, rather than a criminal one. Read on to understand the nuances...
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How Long Can Someone Stay Without Paying Council Tax?
If you pay a reduced rate of council tax because you live alone, the reduced rate will no longer apply when someone moves in. But, there are some exceptions. Let me explain...
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Indigo Michael Ltd Debt – Should You Pay?
You might not have to pay Indigo Michael Ltd. But, it's important that you don't ignore them as it could escalate to something serious. Let me walk you through your options…
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DCBL Final Reminder Letter? Worst Case Scenario
You should not ignore a DCBL final reminder letter. If you do, you could face legal action. Let me walk you through your options...
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Receiving debt collection letters for someone else
If you're receiving debt collection letters for someone else, you should contact the debt collector immediately. You can also return any letters not addressed to you. Let me walk you through your options...
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How long can HMRC chase a debt?
HMRC can chase some debts for up to 20 years. If HMRC is chasing your for a debt, you should try to come to a repayment agreement as soon as possible. Let me walk you through the process...
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Can I expect Bailiffs for Private Parking Fines?
A private parking company cannot instruct bailiffs to chase you for debt. But, they can apply for a County Court Judgement to be issued against you. Let me explain the process...
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What Happens if You ignore Debt Collectors?
You shouldn't ignore debt collectors. If you do, it's likely that further enforcement action will be taken. Let me walk you through your options...
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Provident Loans Refund, Complaints & Claims
If you believe you were mis-sold a Provident loan, you could claim compensation or a refund. To do so, you need to head to Provident's website. Alternatively, you could contact the Ombudsman. But, you will need good evidence for your application to be successful. Let me walk you through the process...
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How to Stop a Deduction of Earnings Order
You can stop a Deductions of Earnings Order if you come to a different repayment arrangement or if it isn't working in the way that it should be. To stop the order you will need to contact CMS and state your case. Let me walk you through the process...
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Bailiffs Turning up for Previous Tenants – What To Do
When bailiffs turn up for previous tenants, you can assert your rights and take appropriate steps to prove the debt isn't yours. Let's delve into the details…
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Global Debt Recovery – Should You Pay?
You might not have to pay Global Debt Recovery. But, it's important that you don't ignore them as further enforcement action may be taken. Let me walk you through your options…
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Who Can Enter Your Home without Permission?
People with 'Power of Entry' are allowed to enter your home without permission. Such people include police officers, fire service workers, ambulance workers, some enforcement agents, and local authority trading standards officers. But, they can only enter your home in specific circumstances. Let me explain...
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Can You Transfer Personal Debt to Business? Complete Guide
It is possible to transfer your personal debt to your business. But, there are a number of cons associated with doing so. Let me walk you through your options...
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DWP Debt Management Contact Details
DWP Debt Management is part of the Department for Work and Pensions. They are responsible for recovering overpaid social security benefits, as well as other monies. You can contact DWP Debt Management by phone or email.
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Jefferson Capital International Acquisition Debt – Should You Pay?
Are you confused about a sudden letter from Jefferson Capital International? You’ve come to the right place for answers. More than 170,000 people visit our website each month to get information on their debt problems. In this article, we will answer your questions about: Unfortunately, nearly half of the people who deal with debt collection […]
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Stuck With Electric Meter Debt? Here’s What To Do
To pay a prepayment electric meter debt, you simply top up your prepaid card and slot it into the meter. A proportion of the balance will go towards repaying your debt. If you can't pay, contact your provider to come to a repayment agreement. I'll walk you through the process…
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Should I Pay JC International Acquisition LLC Debt Collection?
Receiving a letter from JC International Acquisition LLC may leave you worried and uncertain about what to do next. Don’t worry; you’ve come to the right place. Every month, over 12,000 people visit our site looking for guidance on matters related to debt, just like this one. In this article, we’ll cover: Dealing with debt […]
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Arvato Financial Solutions Debt – Should You Pay?
You might not have to pay Arvato Financial Solutions. But, it's important that you don't ignore them as it could escalate to something serious. Let me walk you through your options…
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Can You Walk Away From a Civil Enforcement Officer?
Yes, you can walk away from a Civil Enforcement Officer under certain circumstances outlined by UK law. Curious? Keep reading.
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Capital Resolve Debt Recovery – Should You Pay?
You might not have to pay Capital Resolve Debt Recovery. But, it's important that you don't ignore them as it could escalate to something serious. Let me walk you through your options…
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