Frequently Asked Questions
Mortgage
- Have you missed or are you struggling to make payments on your mortgage or secured loan?
- Has your mortgage or secured loan lender threatened possession proceedings?
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- Information on Mortgage / Secured Loan Arrears
- AdviceGuide: Eviction for mortgage arrears
- AdviceGuide: What happens when your mortgage lender takes you to court?
- Shelter: Falling behind on secured loans and second mortgages
- Justice: Pre-Action Protocol for Possession Claims based on Mortgage or Home Purchase Plan Arrears in Respect of Residential Property
- Has your mortgage or secured lender started possession proceedings?
-
- Information on Mortgage / Secured Loan Arrears
- AdviceGuide: Eviction for mortgage arrears
- AdviceGuide: What happens when your mortgage lender takes you to court?
- Shelter: Falling behind on secured loans and second mortgages
- Justice: Pre-Action Protocol for Possession Claims based on Mortgage or Home Purchase Plan Arrears in Respect of Residential Property
- Has your mortgage or secured lender applied for or served you with a warrant of eviction?
Charging Orders
- What is a Charging Order?
- Has a creditor applied for or already obtained a Charging Order on your home?
- Has a creditor applied to court for an Order for Sale on an existing Charging Order?
Rent
- Have you missed or struggling with payments on your rent?
- Has your landlord threatened possession proceedings?
- Has your landlord started possession proceedings?
- What is the accelerated possession procedure?
- Has your landlord applied for or served you with a warrant of eviction?
- Have you been illegally evicted or being threatened with illegal eviction?
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- Shelter: Harassment and illegal eviction by landlord
- Shelter: What counts as illegal eviction?
- DirectGov: Evictions - private renting
- Communities and Local Government: 'My landlord wants me out' - Protection against harassment and illegal eviction
- Local Government Ombudsman: Complaints about eviction from your privately rented home
- Assured and Assured Shorthold Tenancies: A guide for tenants
Council Tax
- What is council tax?
- Are you having problems paying your council tax?
- Is the Local Authority taking / threatening legal action for council tax arrears?
- What is a Liability Order for council tax arrears?
- Are the bailiffs contacting you for council tax arrears?
- Have you received a Magistrates Court committal summons for non-payment of council tax?
Magistrates Court Fines
- What is the Magistrates Court and what does it do?
- Have you received a Magistrates Court summons?
- How do I pay my Magistrates Court Fine?
- Have you missed payments on a Magistrates Court fine?
- Are the bailiffs contacting you for non-payment of a Magistrates Court fine?
Utilities (Electric / Gas / Water)
Electric
- Having problems paying / with your electric bill / supply?
- Is your electricity supplier threatening or taking action due to arrears?
Gas
- Is your gas supplier threatening or taking action due to arrears?
Water
- Are you having problems paying your water bill?
- Is your water supplier threatening or taking action due to arrears?
TV Licence
- Having problems paying for your TV Licence?
- Have you been / or are you being taken to court for non-payment of TV Licence?
- Are you being contacted by bailiffs for non-payment of a fine for not having a TV Licence?
HM Customs and Excise (Tax and VAT)
- Who are HM Revenues & Customs?
- Are you having problems with your tax / national insurance affairs?
- Are the HMCE threatening or taking action against you for non payment of taxes?
Hire Purchase / Conditional Sales Agreements
- What are Hire Purchase / Conditional Sale Agreements?
- Are you having problems making your car or any other Hire Purchase / Conditional Sale Agreements?
- Can my lender repossess my car / motorbike / goods?
Child Support Agency (CSA)
- Are you having problems with Child Support / Maintenance payments?
- How is Child Maintenance calculated / worked out / how much do I have to pay?
- Are the Child Support Agency threatening or taking action against you?
- Are bailiffs contacting you regarding Child Support / Maintenance payments?
County Court Judgments
- Where can I find general information on County Court Jugements?
- I have received a county court claim, how do I respond?
- Can you no longer afford to pay installments on an existing County Court Judgment (CCJ)?
- Have you been contacted by bailiffs with a warrant of execution relating to a County Court Judgment (CCJ)?
Business Debts
- Are you having problems with business debt?
- Are you self employed or running a business and having problems with paying your tax / vat etc?
- What can happen if I don't pay my tax?
- Have you missed payments on your Business / Non - Domestic Rates?
- What organizations can I contact for help?
Bailiffs
- Where can I get information on bailiffs and their powers?
- Do I have to let the bailiffs in my home?
- How do I complain about bailiffs?
- What can bailiffs charge?
- What happens if the bailiffs get in?
- How can I stop bailiff action?
- What is the situation regarding the sale of my goods?
Non-Priority Debt
- Having problems paying catalogues, credit cards, loans, overdrafts and other non-priority creditors?
- Are you being contacted / harassed by creditors or debt collection agencies?
- A creditor has sent me / issued a Statutory Demand, what does this mean / what are my options?
- Having problems with loan sharks?
- Are you being contacted / cold called by companies offering to help you with your debt problems?
- What are the options for dealing with my debts?
Debt Collection Agencies
- Where can I find information on debt collection agency guidance and practices?
- I am being contacted by debt collection agencies, what are my rights?
Payment Protection insurance (PPI)
- How do I find out about Payment Protection Insurance (PPI)?
- Where can I find information on reclaiming Payment Protection Insurance (PPI)?
Unenforcable Debt / Limitation Act
- Where can I find information on unenforceable debt?
- Where can I find information on the limitation Act?
What does this mean?