Note: This section of our site offers general information about dealing with debts. If you are a current Harrington Brooks client and need support, please go to Customer Support.
Trying to decide which debt solution is right for you can be confusing. See the options available and how they compare to each other.
Pay these debts first. Priority debts are not necessarily your largest. They are debts for which none payment has swift and severe consequence, examples include:-
- Council Tax Arrears
- Gas and Electricity Payment Problems
- Hire Purchase Arrears
- Income Tax and VAT Arrears
- Child Maintenance Payments
There is much mis-information about on credit reports and credit scores spread across the Internet, we set the record straight with the correct information-
- All about your Credit Report and Credit Score
- Get your Credit Report
- 10 Tips to help manage your credit score
- Correcting errors on your credit report
Learn how bailiffs must conduct themselves and which of your items which they can't take.
Debts with your own bank can be problem as they can swallow-up your wages/benefits the moment you pay them in.
Many people with debt problems suffer harassment from their creditors or other bodies to whom they own money. Harassment is unfair, unhelpful and moreover highly illegal.
A Continuous Payment Authority (CPA) is a type of regular automatic payment that you can set up using your debit or credit card. Our guide explains your right to cancel and how some payday lenders are using them as an aggressive debt collection tool.
Struggling from stress due to money borrowed from a loan shark? View our tips and advice to help you deal with these issues.
Guides to legal action and the courts with respect to the enforcement of debt repayments:-
Getting A Bank Account
If you have debts with your bank (overdraft, loans etc), and enter into an IVA or Debt Management Plan, you'll need a new bank account to have your wages paid in to. (Why? click here) The FSA maintain a guide detailing the basic bank accounts offered by the major banks and building societies.
Get Your Credit Report - For Free
Noddle.co.uk offers a free service which shows your credit report - instantly. Payments and balances on all loans in your name are shown, which companies have made a credit check against you, plus other useful information.
You'll need to enter your debit/credit card details, but this is just a security measure - no payment is taken.
View more details »
Getting Impartial Advice
The Insolvency Service are regulators of the UK insolvency profession. They have produced a useful guide - Dealing With Your Creditors which explains debt solution options from a neutral point of view, detailing the pros and cons of each.
Income and Expenditure
Excel Income and Expenditure Tool.
79K MS Excel Doc
Income and Expenditure Calculator with Guidelines. Here we explain how disposable income is determined and with the aid of an Excel spreadsheet, show guidelines allowing you to make an accurate disposable income calculation. more »
Guides to the main UK State Benefits, explaining who may be eligible to receive them. See also Harrington Brooks' Benefit and Tax Credit Checking Service.