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Check the rules after you go bankrupt
fairly. For example, you shouldn’t pay back a family member if it means you can’t pay another debt like an energy bill. The official receiver only checks which debts you paid if: you paid a debt when you
If you were misled or pressured into buying something you didn’t want
effective their double glazing would be in reducing your energy bills and refuses to leave until you sign an order form Seriousness of case Very serious Refund 100% Example A salesman visits your home
Stopping bailiffs at your door
collecting: council tax arrears credit card or catalogue debts unpaid parking tickets money you owe to energy or phone companies You have the right to keep them outside and talk through the closed door
If you’re struggling to pay your credit card
'. Priority debts include: rent and mortgage gas and electricity council tax court fines If you don't deal with your priority debts you might for example lose your home or have your energy supply cut off
If you're thinking of making a claim to an employment tribunal
of time and energy. It can be stressful and take months before your case is heard. Think if you need help with your claim. You don’t need a lawyer to make a tribunal claim although you might find
Negotiating your debt with bailiffs
after paying your other essential costs such as food, rent, mortgage and energy bills. Don’t offer to pay more than you can afford. You could make your situation worse if you can’t keep up with your
If you get a ‘section 21’ eviction notice
after 1 October 2015, your section 21 notice is only valid if your landlord has already given you: a gas safety certificate dated no more than 12 months before they gave it to you an energy performance
Help dealing with mortgage debts
cutbacks on your spending. There are things you can do to try and increase your income - for example you might be able to claim benefits or get help with paying your energy costs. You can check how
Understanding your tenancy agreement
committing an offence and the council can take them to court. Before or at the start of your tenancy, your landlord must also give you: a gas safety certificate an energy performance certificate - unless
If you want to end your private tenancy
them the date you’II be leaving. It’s important to do this so you’re not charged for services after you’ve left. Read more on dealing with your energy bills when you move home. Redirect your post sent