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Weekly Debt Question

Can a bailiff force entry into my property?

A bailiff cannot use force to gain entry into a domestic property on their first visit: they can only use “peaceable means”. Entering through an open or unlocked door, or via a window without causing any damage or disturbance, is acceptable. Forcing their way past someone at the door is not.

REMEMBER YOU DO NOT HAVE TO LET A BAILIFF INTO YOUR HOME.

For more information about bailiffs then please read my Bailiff Blog

If you are struggling with debts then please call Payplan on 0800 2802816.

Don’t forget you can also follow me on Facebook and Twitter.

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Redundancy

During the recession, redundancy has played a major part in people’s struggles with repaying their debts. Many people have been made redundant as businesses struggled with the economic downturn, which has led to rather a sharp increase in unemployment.

Although redundancy cannot be prevented, the way that you deal with it can be addressed.

What do I do?

If you have been made redundant one of your first thoughts will relate to how you are going to cope. If you have a family and a mortgage, being made redundant can be a very stressful time. If you have been made redundant then one of the first things that you should find out is if you are entitled to any type of redundancy pay.

As you look for another job whilst out of work you need to make sure that you are receiving all of the benefits that you are entitled to such as;

You may also be eligible to receive help with your council tax and rent.

Once you know what your income will be once you are out of work you will then be in a better position to rearrange your finances.

What do I do if I get a redundancy pay out?

If you are entitled to, and do get, a pay out then you may be able to use this to pay off all of your unsecured creditors. Depending on the amount that you get, you may either be able to do one of the following;

Where do I go for help?

It doesn’t matter what your situation is, if you have been made redundant and are struggling with debt then you should contact Payplan who will be able to assess your situation with you and one of our advisors will be able to assist you with a plan that is right for you. It may be a Debt Management Plan (DMP), IVA or we will help assist you in setting up your own informal arrangement with your creditors by pointing you in the right direction.

If you know someone who is struggling with debts then please get them to call Payplan on 0800 2802816.

Don’t forget you can also follow me on Facebook and Twitter.

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Helping Family In Debt

Being in debt can often leave people feeling embarrassed, ashamed, lonely and scared. When someone is in debt they often try and keep it to themselves and try and hide it from their loved ones. If you are one of those loved ones and know someone in debt, it can be very hard trying to help them.

What do I do?

At Payplan we receive many calls from worried family members expressing their concerns and wanting to know either what they can do to help or what help is available to people in debt. Unfortunately without knowing any details it can be hard for us to give precise advice. However what we can say is that it is always best to sit down together with the person and talk to them. The chances are they will be feeling embarrassed and may not want to share their problems or they may not want to burden you with their problems. Once you have spoken with them it may be easier for them to deal with their debt problems as they will no longer feel alone.

If you know someone who is struggling with debts then please get them to call Payplan on 0800 2802816.

Don’t forget you can also follow me on Facebook and Twitter.

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Weekly Debt Question

I am already in debt; I might as well take out more credit.

If you are already struggling with your debts and obtain further credit knowing that you cannot afford to pay it back, this can be seen as fraud. If you are struggling with debts then it is always best for you to seek advice.

If you are struggling with debts then please call Payplan on 0800 2802816.

Don’t forget you can also follow me on Facebook and Twitter.

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