I Am Concerned My Bad Credit Will Affect My Getting a Job

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Question I was made redundant a few years ago, before the pandemic, and could not find work until recently. During the time I was out of work I defaulted on 2 credit cards. I was only receiving Universal Credit as a benefit. I was paying the cards £1 a month each, but the defaults were […]

I Was Made Redundant And Cannot Afford My Bills

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Question Jon, I was recently made redundant which I found odd as the store was hiring just when the last lock down lifted. I am challenging the redundancy, but for now I am out of work. I have researched and applied for Universal Credit, and that will help pay my rent, and food, but I […]

Turning To Crime To Get Out Of Debt

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In the majority of countries, including here in the UK, being in debt is not a crime. There may be a crime committed during the course of getting into debt such as fraud, taking out loans in someone else’s name, which is also a form of fraud, and other acts which are a crime. But […]

My Benefits Have Been Cut And I Don’t Know What To Do?

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Question Jon, My benefits have been cut by the extra £20 a week, I lost my job due to the pandemic, and cannot afford to live, let alone pay the credit cards I have. I am at wit’s end as to how to handle this mess! Jane Answer Jane, While it is a difficult period […]

I Have Gambling Debts And Have Been Made Redundant

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Question Hi, I hope you can help. I had a gambling problem for years and have recently begun treatment through Gamblers Anonymous. The major problem is I have £10,000 of credit card debt, and while I was making the minimum payments, I have now been made redundant. I qualify and am receiving Universal Credit, but […]

I Am Stressed About My Debt And Need Advice!

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Question Hi and I hope you can provide some advice. I was placed on furlough when the pandemic hit, and now have been made redundant. I have a lot of debt due to living off of credit cards and trying to manage paying my mortgage. I am tired of it all. I looked into an […]

Will Going Bankrupt Affect Any Future Jobs?

Chefs

Question Jon thanks for taking my question. My restaurant in London was forced to close due to the lock downs. There was no way we could the business going as we were a small company, just myself and my partner. We had 2 servers, and we just could not them on as there was no […]

I Need Some Advice On How To Handle My Debts Now That I Am Redundant.

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Question Jon, I have £20,000 of debt from a few credit cards, and some consolidation loans. I tried to consolidate the credit card debt on 2 occasions but I just kept using the cards. I was on furlough due to the virus, but have now been made redundant. There are jobs to be had, but […]

How Can I Cancel An HP Contract?

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Question Hi and thanks. I took out a car on HP a couple of years ago, and now I can no longer afford it. I was made redundant, plus the insurance and costs to run the car are too expensive. I am unsure what to do? Any advice? T Answer T, have you discussed this […]

I Am In a Token Payment Plan And Getting Nowhere. What Can I Do?

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Question Jon your advice to people is greatly appreciated, and I need some of it. I was made redundant a few years back, and entered into a debt management plan at that time. I have only found part-time work here and there over the past few years. When the pandemic hit I went to a […]