Articles

How to stop creditor pressure and harassment

Being in debt is a stressful situation, but when you start to experience harassment from creditors, the pressure quickly rises. Creditors can overstep the mark when it comes to chasing payment, howeve...

Nearest food banks in Scotland – what are your options?

The latest figures on the use of food banks in Scotland show a disproportionately high need by Scottish residents in terms of population numbers, when compared with any other area of the UK.

I’m facing house repossession – what can I do?

If you are threatened with house repossession, you need to act quickly. You may be able to negotiate more time to pay – it is often the case that repossession can be stopped or temporarily halted, a...

Overcoming issues with tax credit overpayments

Tax credits are designed to help individuals and families top up their incomes when they are finding it difficult to pay for essential everyday expenses based on their ordinary incomes.

Overspent at Christmas? How to remedy your financial hangover

Long after the presents have been unwrapped, the Christmas decorations have been packed away, and the last of the turkey has been eaten, the after-effects of overspending at Christmas can last well in...

How to Complain About a Payday Lender

Payday loans have become a common form of borrowing throughout the UK in recent years and they are now widely used by many thousands of people nationwide.

In what situations can a bad credit rating affect you?

Your credit file is an important source of information for lenders and other financial institutions, and a bad credit rating can affect your life in a number of ways. Given that a default remains on y...

What is a charge for payment in Scotland?

If you have been struggling with debt and have found yourself unable to make the required payments to your creditors, you may eventually be in the position where you creditors look to take further act...

What financial support is there for families in Scotland?

If you’re struggling to make ends meet as a family, there are a number of grants and loans available in Scotland that can ease the pressure, particularly if you’re on a low income or are in seriou...

What is a Notice of Correction with your credit report?

If the information in your credit report is misleading in some way, or misrepresents you, and the credit reference agency isn’t able to remove or amend it, you’re entitled to use a Notice of Corre...

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...

Advice on writing letters to creditors when you can't pay

There are several reasons why you might need to write to a creditor – maybe you are trying to stop harassment, make alternative payment arrangements, or dispute the debt they are chasing?