Money and Debt

Managing Debt

This topic covers how to handle and manage debt in the UK, including your rights and options if you owe money to creditors. It explains different ways to deal with debt, such as repayment plans, debt relief orders, or bankruptcy, and offers guidance on communicating with lenders and seeking professional advice. Understanding these options can help you manage your finances and avoid legal problems.

Includes:

Cancelling a Loan or Credit Agreement
Debt Management Plans (DMPs)
Debt Time Limits and Statute-Barred Debts
Early Repayment of a Loan or Credit
Fines and Penalty Charges
Gambling Debt
...and 2 more

Debt Collection and Enforcement

This topic covers the rules and processes involved when someone or a company tries to collect money you owe, such as unpaid bills or loans. It explains your rights and what debt collectors can and cannot do under UK law. It also offers guidance on how to handle debt collection letters, disputes, and what to do if you’re struggling to repay.

Includes:

Attachment of Earnings
Bailiffs and Enforcement Agents
Charging Orders
County Court Judgments
Court Fines and Wage Deductions

Unfair Debt Practices

This topic covers your rights and protections against unfair debt practices in the UK. It explains what counts as unfair behaviour by debt collectors or lenders, such as harassment, misleading information, or unreasonable charges. It also outlines what you can do if you believe you are being treated unfairly when dealing with debt.

Includes:

Complain About Unfair Debt Practices
Debt Purchasing and Your Data
Harassment by Creditors
Illegal Debt Collection
Mis-selling of Credit Products
Unauthorized or Excessive Debt Charges
...and 1 more

Insolvency and Bankruptcy

This topic covers the legal processes and options available when individuals or businesses cannot pay their debts. It explains how insolvency works in the UK, including different types like bankruptcy and liquidation, and what steps can be taken to manage or resolve financial difficulties. The aim is to help people understand their rights and responsibilities when facing money problems.

Includes:

Administration Orders
Bankruptcy
Debt Relief Orders (DROs)
Individual Voluntary Arrangements (IVAs)

Borrowing Money

This topic covers the legal aspects of borrowing money in the UK, including your rights and responsibilities when taking out loans or using credit. It explains how borrowing agreements work, what to watch out for in contracts, and what to do if you have trouble repaying debts. Understanding these basics can help you make informed decisions and avoid common financial problems.

Includes:

Buy Now Pay Later (BNPL)
Credit Cards
Loans
Mortgages
Overdrafts
Payday Loans

Banking

This topic covers the legal rules and rights related to banking in the UK, including how banks handle accounts, loans, and payments. It also explains your responsibilities and protections when managing money, dealing with debts, and using banking services. Understanding these basics can help you make informed decisions and resolve common issues with banks.

Includes:

Bank Charges and Interest
Banking Complaints
Banking Disputes and Errors
Banking Fraud, Scams and Security
Closing a Bank Account
Frozen and Blocked Accounts
...and 2 more

Pensions and Retirement

This topic covers the legal rules and rights related to pensions in the UK, including how pensions are set up, managed, and accessed. It explains the different types of pensions, such as workplace and personal pensions, and what happens to pension money in cases like divorce or debt. The information helps you understand your pension benefits and how the law protects your retirement savings.

Includes:

Accessing Your Pension Savings
Pension Mis-selling and Complaints
Pensions in Family and Bereavement
State Pension
Workplace Pensions

Managing Debt

Debt Collection and Enforcement

Unfair Debt Practices

Insolvency and Bankruptcy

Borrowing Money

Banking

Pensions and Retirement

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