What To Do If Bailiffs Come to Your Home

the bailey justice

If there is one word which can strike fear in the hearts of anyone struggling with their bills and finances….it is Bailiffs! If you live in Scotland, it is the Sheriffs. There are a few things that must be said about Bailiffs: There are strict rules and laws they must follow to collect a debt […]

What Happens If I Let My Property Be Repossessed?

hole in a wall

Question Jon, My partner and I bought a property to let out a few years ago, and while we have had tenants in the property, they began to fall into arrears with the rent, and eventually we had to go through the process of having them evicted. When we finally got the property back it […]

Can I Get UK Citizenship With a CCJ?

Union Jack

Question I currently live in the UK and had a spouse Visa, and now have an ILR. I wish to apply for UK Citizenship, but I am concerned as I have a CCJ, which I am paying off, and I also have some other small debts. Will the CCJ or debts cause my citizenship application […]

Will a CCJ Affect Getting Citizenship In The UK?

affirmations

Question I am applying for Citizenship here in the UK and there is a Good Character requirement part on the application. I am concerned my application could be denied as I am in some debt and have a CCJ, which I am making payments towards. I have lived in England for over 10 years now, […]

How Can I Make Someone Bankrupt?

signing a business agreement

Question I had some business dealings with someone I know and they now owe me and my company £12,800. I have tried and tried to collect this money, and have thought about taking them to court, but I am unsure what is the best course of action? I need that money to keep my company […]

What is a County Court Judgment or CCJ and What Happens If I Have One?

judge banging a gavel

One of the tools to collect a debt in the arsenal of creditor’s collection efforts is a CCJ or County Court Judgment. When a creditor decides to go to the courts and get a CCJ, in some instances, not all instances, they may have exhausted all the other efforts they may have tried. It may […]

Will Having a CCJ Affect Getting UK Citizenship?

British flag colours

Question I am living in the UK under a ILR and am now seeking Citizenship. In completing the application to become a UK Citizen there are questions related to good character. I have lived in the UK for over 10 years, and have found myself in debt, and I have a CCJ, and also I […]

I Have a CCJ, Can The Courts Take My House?

court gavel, judgment

Question Hi, I foolishly signed as a guarantor for a now ex-friend of mine. He defaulted on the loan, and I was contacted to pay. I could not afford to repay the loan, so it went to court and a CCJ was issued against me. I entered into a payment plan, but I am unsure […]

How To Get Out Of Debt

debt, UK debt, how to get out of UK debt

“Neither a borrower nor a lender be” Hamlet Act 1, Scene 3 Debt: “The state of owing money to someone, or something”. Debt is a four letter word, and for some people, a dirty four letter word as they wish they were not in it (debt), or do their best to try and avoid it […]