Is Being in Debt Bad?

bad and good signs

I get asked a lot of questions over the years: Can I travel if I am in debt? Will I get stopped at the airport if I have debts? Can I get a Visa if I am in debt? Am I responsible for my partner’s debts? How to get out of debt? That is a […]

Will Consolidating My Accounts Get Me Out of Debt Quicker?

credit cards

Question Jon, I have £6,000 of debt between 2 credit cards and a personal loan. I am not in arrears, but am looking at a quicker way to pay these accounts off. I looked in a consolidation loan, and I have been pre-approved or the bank’s eligibility checker says I could get the loan. Any […]

Help, I am Being Harassed By a Collection Agency!

Unopened post

Question How do I get a collection company to stop contacting me? Answer You can send them some form of correspondence either in either an email, and/or in writing via the post, requesting they cease communication with you. The issue with this is that you then may no know what they are doing, meaning they […]

Can I Get a Mortgage in Canada With Unpaid Debts in The UK?

house keys

Question I lived in the UK as a student for a few years and left the UK 2 years ago. When I left I had some unpaid bills, a credit card, an overdraft, and a mobile phone contract. In total I owed about £4,000. I now live in Canada and am getting a mortgage to […]

Is Student Loan Debt Worth It?

student debt

Question This is sort of debt related, but also just seeking advice. My parents want me to go to uni next Autumn, which is OK. It costs £9,000 a year, and my degree will take 3 years to complete. In addition to the tuition costs of £9,000 per year, I also will have other expenses. […]

How Can I Find Out Who I Owe?


Question Jon, I defaulted on 2 accounts a few years back and just gave up and forgot about them. I didn’t open my post or read my emails, as I knew they were from the banks. I just wanted to run away from it all. I am back working now and want to pay these […]

What Can I Do To Get out of Debt?

stressed person

Question Hi Jon, I need some advice on how to get out of the debt I am in. I owe £35,000 due to my business failing, and another £10,000 in personal debts. I am the Director of the company and guaranteed all the business loans. I am back trading, but not at the level I […]

Is Misrepresenting My Earnings For a Loan Considered Fraud?

masked fraudster

Over the years I have been asked this very question, in various ways, but the bottom line (no pun intended), has been: Can I Be Charged With Fraud If I Misrepresent My Income For a Loan? This question, as stated comes in many forms: I applied for a credit card and said I earn more […]

Can My Credit Score Be Lowered Due to a Disputed Account?

success sign

Question My question is this: I have a dispute with a loan company over the last payment on a loan. They say I still owe £99, and I say I paid the loan in full. Now they are harassing me to pay this £99, which I do not owe. They say if I do not […]

Do I Need to Pay Accounts I Left In The UK?


Question I left the UK in 2012 after my Visa expired, and when I left I owed a mobile contract, a credit card and a small loan. In total I owed maybe £5,000. I am coming back to the UK on a work Visa which my employer has obtained for me. My questions are: Will […]