How Breathing Space works stage by stage in England and Wales, from the debt adviser conversation through the 60-day moratorium to what follows it.
Before You Borrow From an Online Lender: A Checklist
A checklist for online short-term loans: verify the lender is FCA-authorised, check your quote against the price cap and know which contract terms to read.
What Happens When a County Court Judgment Is Made Against You
A plain-English guide to county court judgments for unpaid payday loans: the claim pack, the 14-day deadline, paying within a month and your credit file.
Budgeting Loans and Advances: Interest-Free Help With Essential Costs
Budgeting Loans and Budgeting Advances offer interest-free borrowing on qualifying benefits. Who qualifies, what the money covers and what it costs.
Chased for a Payday Loan You Don’t Owe: What to Do
Guidance for responding to a payday loan you never took out or have already repaid, from requesting proof of the debt to escalating the dispute.
Six Bankruptcy Myths That Stop People Asking for Help
Bankruptcy myths checked against the official process: what is written off, the £680 fee, the 12-month discharge, publicity and the alternatives.
If a Payday Loan Debt Is Sold to a Collection Agency
Who owns the debt after a payday loan is passed or sold on, what collectors can and cannot do, and how to set up a repayment plan you can keep.
A First-Timer’s Guide to Reading a Loan Agreement
A plain-English walkthrough of a short-term loan agreement, from the pre-contract summary to default charges and withdrawal rights, before you sign.