Category Archives: UK

Can I Get Into the UK if I Have An Old Debt There? – Manish

“Dear Jon, my name is manish.i have lived in UK for 5 years and have some debts.i have come back to my home country because my student visa was running out..it has been 2 years since i have come back from UK. can i travel back to UK, if i had some old UK debts?is [...]

Is Bankruptcy the Best Option for Us in the UK? – Hayley

“Dear Jon, Both me and my husband have always worked full time, we have three children and a house brought in 1999. In 2004 out financial situation changed which meant we could no longer afford to continue paying all of our loans/debts. We got into financial difficulty and had to stop paying some bill/debts in [...]

I’m Living in the U.S. But Can’t Afford My UK Student Loans Anymore

“Dear Jon, Im a UK national living in the US for 9 years. I have a UK student loan which I have been paying for many years. I’m a UK national but have been living and working in the US for about 9 years. I’ve been doing my best to pay my UK student loans [...]

Is There UK Legislation That Would Wipe Out My Debts If I Have A Serious Mental Health Disorder?

“Dear Jon, I have had bi polar disorder since the age of 14. Through manic and down stages and also mixed affective states i have got myself terribally into debt. Most debts i cant even remember. I am now 30yrs old and am wondering whether under the mental health act or some other legislation i [...]

Can I Include Rent Arrears In My UK Bankruptcy?

“Dear Jon, I am thinking about going bankrupt as I have been made redundant and I am only receiving a few hundred quid in redundancy money and owe thousands in credit cards, an overdraft (which I have been living off of) and a car on HP. I also owe my landlord rent arrears which I [...]

Will My Landlord Be Told Of My UK Bankruptcy?

“Dear Jon, I am in the process of completing the forms to go bankrupt and am concerned about my landlord finding out and evicting me. I have lived here for the past 5 years and always paid my rent on time. It’s all the credit cards and loans that got me in trouble. If I [...]

What Are My Options With My UK Debts?

“Dear Jon, I am soooo stressed out about my debt situation and just don’t know where to turn. Every month I get more and more notices and fall into arrears. I have looked at getting a payday loan to try and get through the month, but am afraid I’ll be turned down. I have over [...]

Do All My Debts Need to be Included in My UK Bankruptcy?

“Dear Jon, First let me say thank you for such an informative web site it has been a good place to get many answers to questions I have. I am about to make myself bankrupt as I have been struggling with my bills and accounts for years now. But I am unsure if everyone I [...]

How Much Does It Cost to Go Bankrupt in the UK?

“Dear Jon, I am in the process of going bankrupt and am completing the bankruptcy forms. How much does it cost to go bankrupt? How do I pay the fees and if I cannot afford them, can I get some help or get the fees waived? ” The Answer: The fees to go bankrupt are [...]

Can I Inherit Money in the UK If I’m Bankrupt in the UK?

“Dear Jon, I was made bankrupt a few months ago and have just lost my mum. She left everything to me in her will which is her house and quite a bit of money as well. I went bankrupt for over 20,000, but stand to inherit much more then this from my mums estate. Can [...]

I Have Been Sent A Statutory Demand in the UK What Happens Next?

“Dear Jon, I hope you can help me as I haven’t found too much information out there as to what my situation is. I have a few credit cards and an overdraft and my wife and I have two joint loans. We don’t own any property, in council housing, and my wife just recently lost [...]

Will I Be Arrested for a Debt in the UK if I Return to the UK?

“Dear Jon, in 1999 i was student in London, UK. I had a NatWest credit card and when I left (1999) i owed 300(three hundred) GBP.I returned to my country and I send money a couple of times to my account which was linked to my credit card to pay the debt.I send the last [...]

Can I Do a Debt Relief Order in the UK From Poland?

“Dear Jon, Hi, I left U.K. at the end of 2011 because of serious family problem. I am in debt, three creditors, total 9900 pounds ( loan, credit card and overdrawn account). I have repayment plan, 5 pound to each creditor a month. At the moment to send 3×5 pound to each creditor costs 9pound [...]

Can I Go Bankrupt After Being In An IVA in the UK?

“Dear Jon, I have been in an IVA for the past 2 years and it has been a struggle. I have missed the past couple of months payments and just want to give up. I don’t own any property and just want to be done with all of this as quickly as possible. Can I [...]

I Recently Had a CCJ From RBS for Credit Card Debt in the UK

“Dear Jon, I recently had a ccj from Rbs credit cards. I admit the debt to court and offered £5 a month to Rbs in response to ccj. Rbs rejected my offer and asked court to make a decision. Court made a decion for me to pay £350 per month which was totally unaffordable for [...]