Articles

Personal Debts

What to do if you are in debt to PayPal

Buy now, pay later (BNPL) services are gaining popularity due to their easy access and flexible repayment options. BNPL is highly appealing as it lets you spread the cost of a purchase, rather than ma...

Personal Debts

What to do if you are in debt to Clearpay

Clearpay lets you spread the cost of your purchase through 4 instalments, due every 2 weeks. The payment option is available online, through the Clearpay app, and you can also use a digital payment ca...

Personal Debts

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.

Bailiffs and Legal Action

How can I deal with aggressive debt collectors?

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

Personal Debts

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...

Credit Score

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.

DAS

7 Advantages of using a Debt Arrangement Scheme

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

Budgeting

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.

Trust Deed

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...

Personal Debts

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.