I Have a CCJ And Now Bailiffs Are At My Door

knocking on a door

Question Hi and thank you in advance. I failed to repay a loan years ago and the bank got a CCJ and have now sent out Bailiffs. I am scared and just do not know what to do. Vicki Answer Vicki, Bailiffs can be intimidating and very stressful. But most of them are very professional […]

Can a Bank Get a Charge Against My Home?

legal scales

Question Years ago I was foolish and did not repay a loan to my local bank. I just let it go, and the bank got a CCJ against me. Now they are contacting me as I have a property and are saying they are going to get a charge against my home. Can they do […]

Do I Still Owe a Debt From 2015?

large bill

Question Hi Jon, I hope you can give me some advice on my debt problem. I defaulted on a loan years ago, back in 2015, and the bank did take me to court and got a CCJ. I never showed up in court and don’t know what happened after that as I have moved house […]

Can I Get a CCJ Removed?

court system

Question My debt has gone to a CCJ. Can you get rid of a CCJ, and if so how? Answer Hi, Yes you can “get rid” of a CCJ, but it depends on when the CCJ was issued. If you can pay the debt or CCJ, within 30 days, it will not be registered, and […]

My Ex-Partner Has Stopped Paying Our Debts


Question Jon, I took out a loan with my partner 2 years ago and we were both working and could afford the payments. The loan was for around £3,000 and was used to furnish our flat. The loan still has a balance although not a large one. 6 months ago my partner and I split […]

I Owe Council Tax And Don’t Know What To Do?


Question Jon, I have read what you wrote about CCJ’s and also the courts enforcing the judgment. I owe Council Tax and have been in arrears for sometime now, and recently the Council sent me a court notice that they are seeking a judgment against me. I know this is serious, but I don’t know […]

I Owe £200,000 And Need Advice As What To Do?

Closed sign

Question I need some advice and help as to what I can and cannot do. My situation is as follows: I owe £200,000 for accounts, loans and supplies I ordered for my company. The company is in just my name as a sole trader. Some of the loans I guaranteed. My company is no longer […]

A Charging Order Has Been Placed Against My Property, Help!

For sale sign

Question Help! I received a CCJ and now I have been informed I have a charging order against my property. What can I do? Are they going to repossess my home? Karen Answer Karen, Charing Orders are serious, and a part of the enforcement process of having a CCJ/County Court Judgment. A couple of questions […]