DebtCrisisToClear (@fromdebtcrisistoclear)

Bought it on Klarna, it's faulty, and nobody will help? Here's who's responsible 👇 Have you Bought something on Klarna, it's faulty, and nobody will help? Here's who's responsible: If you’re facing debt and not sure what applies to you my Free Debt Trigger Map shows you — it’s free it’s instant…

5 things private parking companies hope you don't know Private parking charges are invoices, not fines. Collectors aren't bailiffs, appeals are free, and you can demand evidence. The deadline that matters is the Letter Before Claim (usually 30 days). All guidance and the template letters are in my…

I haven't paid council tax for years – so I've won – MYTH Councils have 6 years to get a liability order, but once they have one, there's generally no time limit to enforce it. Bailiffs or deductions can start years later. If you have a liability order, act before fees are added: template Letter…

The council won't listen on the phone? Do this instead Phone calls leave no paper trail. A written offer, with what you can afford, why, and a request to hold recovery, is much harder to ignore. Start paying what you've offered straight away. It's Letter 4 in my Council Tax Mini Guide (link is in…

Paying council tax on a late parent's home? Check this first When someone dies and their home is left empty, it's usually exempt from council tax (Class F) until probate, plus up to 6 months after. In England, it's also protected from the empty homes premium for 12 months after probate. If you've…

How a £35 parking ticket became £400 A council parking fine left unpaid goes up by 50%, then is registered at court and passed to bailiffs, who add their own fees. If you never received the earlier notices, form TE9 (or TE7 if late) may cancel the court order. Letters for every stage are in my UK…

"A debt collector can send bailiffs round" – MYTH Debt collectors and bailiffs are not the same. A debt collector has no power to enter your home or take goods. Write back, dispute it if it's wrong, and ask for proof. The letters (Templates 10–13) are in my Debt Letter Template Library (link in…

Bailiffs need a special order to clamp your car" – MYTH No separate "immobilisation order" is needed. After a liability order and 7 days' notice, bailiffs can clamp. But Blue Badge cars and cars on finance are protected. Letters for vulnerability and "goods that aren't mine" are in my Council…

Liability orders were abolished in 2003 – MYTH A template was removed in 2003, not the court's power. Liability orders are made every week, and bailiff fees start at £79. If you have one, offer an affordable plan before it reaches bailiffs: Template Letter 4B is in my Council Tax Mini Guide and…

Ignore a private parking ticket and it goes away" – MYTH Private parking charges don't vanish if ignored. The deadline that matters is the Letter Before Claim: usually 30 days to reply, with the Reply Form. A court claim gives you 14 days. The template letter response/evidence request/appeal and…

Bailiffs can never come into your home" – MYTH For council tax, bailiffs can't force entry on a first visit, but an unlocked door is a lawful way in. Break a signed agreement and they can force entry later. You get 7 days' notice before a visit, so use it. Bailiff letters, including the…

Liability order? This could save you £300 in bailiff fees After a liability order, you can ask the council for a payment plan or to collect through deductions from your wages or benefits instead of sending bailiffs, which avoids fees that can pass £300. The letter for this is Template 15B in my…

Council tax summons? Your deadline isn't the hearing A council tax summons gives you a hearing date, but your real chance to act is before it. Contact the council early, offer what you can afford, and get their answer in writing. The letter to send is Template 15A in my Debt Letter Template…

If you’re behind on Council Tax, opening another letter can feel overwhelming. Council Tax arrears can feel overwhelming, particularly when letters keep arriving and you don't know what to write. Start with the facts, check the stage of the account and don't ignore deadlines. My Council Tax Mini…

“Adult child at home? Don't assume their income decides your Council Tax.” Adult child living at home? The fact that you're the only person earning doesn't automatically determine your Council Tax discount. Who lives in the property and whether anyone qualifies to be disregarded can matter. Check…

Received a private parking charge? Don't guess your next step. Received a private parking charge? 🚗 First, identify who issued it and check the notice carefully. The right next step depends on the type of charge and your circumstances. My UK Parking Ticket Clarity Guide includes practical…

Grown-up child at home? Part 3: Do you HAVE to tell the council? Part 3 of the grown-up child series. When your child turns 18, you have 21 days to tell the council if your discount should change. Don't miss it, but check first whether your child is disregarded: college, apprentice, carer or SMI…

Having a car doesn’t automatically mean you can’t get a Debt Relief Order. In England and Wales, a vehicle can be allowed within the DRO rules if it is worth under £4,000, subject to the full eligibility criteria. My DRO Mini Guide gives you guidance it’s linked in my profile and if your…

You don’t have to pay Council Tax because you never signed a contract? Is that right? Council Tax isn’t based on you signing a contract with your council. Liability is established by law, and generally depends on things like who lives in the property and their legal status. There is no contract…

Missed a debt payment? Don’t immediately panic. One missed payment doesn’t tell you the whole story. Identify the stage before deciding what information you need next. Download your Free Debt Trigger Map — link is in my profile. #DebtHelp #DebtProblemsUK #MissedPayment #DebtSupportUK #debtrecovery

Grown-up child at home? Part 2: when they DON'T count for Council Tax This is Part 2, because so many of you asked. If your adult child falls into one of these groups, they're "disregarded", so you may keep your single person discount of 25% For guidance and template letters for all council tax…

Do you care for someone you live with for 35 hours or more ? If the answer is YES You might not count for council tax. If they get a qualifying disability benefit, such as PIP daily living or higher-rate Attendance Allowance, and they're not your partner or your child under 18, you could be…

Does PIP or DLA mean you can pay less council tax ? Getting PIP or DLA doesn’t automatically give you a Council Tax discount. But certain Council Tax reductions and disregards can involve disability or specific benefits. Download my Council Tax Mini Guide for the guidance and letter templates the…

Live alone and retired? 4 council tax checks you need to do Paying the same as the four-adult house across the road? It can feel unfair, but these four checks in the video could lower your bill If you need guidance and letter templates my Council Tax Mini Guide provides this and if you’re facing…

They want too much money each month. You can’t afford it? When you’re already struggling to cover the essentials, a payment demand can feel impossible. Start with the facts, work out your budget and get support before agreeing to payments you may not be able to maintain. My free Debt Trigger Map…

Grown-up child at home? Your council tax could change 🏠 Your child's 18th birthday can change your council tax, but check the rules before you accept a higher bill. School leavers, students and some carers are disregarded. Council Tax Mini Guide & Template Letters are linked in my profile. Facing…

Debt collector at the door? They're NOT bailiffs Know who's knocking. Doorstep visits from debt collectors are allowed, but they have no power to enter or take your things, and they must treat you fairly under FCA rules. If you’re in this situation, facing debt my Debt Letter Template Library has…

Council tax FINAL notice? You can still get help A final notice means the council is preparing to go to court, but it's not too late. Write to them, keep copies, and ask about every option. Template letters and guidance can be found in my Council Tax Mini Guide the link is in my profile Facing…

Three more Council Tax Myths Part 2, because you asked. These myths can turn a manageable bill into bailiff fees. If you're struggling, the real options are Council Tax Reduction, discounts, Section 13A hardship relief and payment plans. I’ve had several people ask me what they can actually write…

Bailiff at the door? 4 things they CAN'T do 👇 Know your rights before they knock. The Taking Control of Goods Regulations 2013 set the rules for bailiffs. If you're vulnerable, you can ask the council to recall the case from the bailiffs Guidance and template letters in my Council Tax Mini Guide…