Articles

What is a debt settlement offer?

Sometimes known as a full and final offer, a debt settlement offer is where you agree to make a lump sum payment to your creditors in order to settle the remaining debt you have with them.

How can I deal with aggressive debt collectors?

Dealing with debt collectors can be a highly stressful experience, but when they’re aggressive in their techniques, how do you deal with it? Strict regulations surround the collection of debts, and...

17 Signs you’re struggling to cope with debt & need to take act

Debt seems to be a way of modern day life. For some things in life, such as buying a home or paying for a university education, taking on debt and paying this off in instalments may be the only way of...

5 simple steps to rebuilding your credit score

If your credit score has been affected by problem debt, you may be looking for ways to start rebuilding it and getting on with your financial future.

10 steps to take now to improve your credit rating

If you are currently working on reducing the amount of debt you have, improving your credit score may not be at the top of your agenda.

7 Advantages of using a Debt Arrangement Scheme to become debt-free

If you’re trying to deal with overwhelming amounts of debt, you may be eligible for the Debt Arrangement Scheme in Scotland.

9 practical tips for cutting your household expenses

We all want to save on our household bills and have more money in our pocket for the fun things in life. While bills are an unavoidable fact of life, here are some ways you can help to reduce them:

How can I keep my gas and electric bills low in 2024?

With constant changes in energy costs make sure you known what you are paying for your gas and electricity throughout 2024.

Can you pay off a trust deed early?

A trust deed is a formal debt solution for people in Scotland who are in unmanageable debt. It helps them to escape the relentless creditor pressure that can be experienced in this situation, and allo...

What reason should I give when applying for a personal loan?

When you apply for a personal loan it’s important to be open with the lender and tell them exactly what the loan is for.

How can you contest a default on your credit file?

If you’ve had a default placed on your credit file it can affect your financial situation in a number of ways. The drop in credit rating makes it more difficult to obtain borrowing, and in some case...

What happens if you lie on a credit card application?

When credit card companies make a decision about you as a potential customer, they use the information on the application form to assess your credit-worthiness, and establish the most appropriate leve...