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Can you pay off a trust deed early? Can You Pay Off A Trust Deed Early

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...

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What reason should I give when applying for a personal loan? Searching For A Personal Loan

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.

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How can you contest a default on your credit file? Businessman Holding A Credit Report

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...

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What happens if you lie on a credit card application? What happens if you lie on a credit card application

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...

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What is a decree or CCJ and how could it affect me? Law Scales And Hammer

What is a decree or CCJ and how could it affect me?

In Scotland, County Court Judgments (CCJs) are referred to as a decree.

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Council Tax Arrears and Sheriff Summary Warrants Explained Council Tax Arrears

Council Tax Arrears and Sheriff Summary Warrants Explained

Set procedures exist for the recovery of council tax arrears in Scotland. If the initial and final council tax reminders are not paid, or you do not respond to the communication, it is likely that a S...

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5 Inspirational Stories Of People Who Defeated Their Debt Debt_Free

5 Inspirational Stories Of People Who Defeated Their Debt

When you have large personal debt, it often feels as if there’s nothing you can do to get out of that situation. You throw away bills, ignore phone calls, and often feel overwhelmed and scared.

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Moving abroad to escape unpaid debts – what happens? Moving Abroad To Escape Unpaid Debts

Moving abroad to escape unpaid debts – what happens?

If you are drowning with unmanageable debt, you may be tempted to try and escape this for good by leaving the country. You may be considering a move abroad for other reasons, such as to be closer to f...

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Dealing with high property factoring fees in Scotland Property factoring fees

Dealing with high property factoring fees in Scotland

High factoring fees are placing an increasing financial strain on many property owners in Scotland, with some property factoring companies being criticised for huge price rises for what is often only...

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What powers do bailiffs (sheriff officers) have in Scotland? Bailiff At The Entrance To A House

What powers do bailiffs (sheriff officers) have in Scotland?

Sheriff officers work on behalf of companies, government departments and individual creditors to enforce court orders relating to debt. This may be unsecured debt such as Council Tax arrears or tax pa...

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The difference between ‘settled’ and ‘satisfied’ in a credit report

The difference between ‘settled’ and ‘satisfied’ in a credit report

When you look at your credit report, you’ll see various status codes marked against individual loans and other borrowing. These indicate the extent to which you’ve repaid your creditors, whether t...

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Statute Barred Debt in Scotland Debt Written In Dirt

Statute Barred Debt in Scotland

A statute barred debt is one that can no longer be collected by a creditor due to the elapsed time limit laid down in The Prescriptions and Limitation (Scotland) Act, 1973.

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