Search

• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating

• After your possession hearing

  Check what the outcome of your court hearing means, and whether you can change a possession order

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future

• Help dealing with mortgage debts

  Different options which might be available to help clear your mortgage debt and pay back the money you owe to your lender

• Dealing with mortgage arrears

  What happens if you miss a mortgage payment, including how to agree a repayment plan with your lender so you can pay your mortgage in smaller amounts

• Buildings insurance

  What buildings insurance usually covers, how to choose a policy and how to make a claim

• How lenders decide whether to give you credit

  Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit

• If your mortgage lender takes you to court

  What to do if you get court papers, including how to fill in your defence form and what will happen at court

• If you want to sell your home and rent it back

  Check the risks of using sale and rent back schemes and the rules firms must follow

• Check if you have to pay a debt

  How to check liability for a debt, including time limits on debts and how to challenge a debt you think you might not be liable