Category: Council Tax

When Creditor Chasing Becomes Harassment

Mounting debt is scary and distressing, but it affects a lot of people all over the country. If your debt is spiralling out of control then there’s a chance that a creditor will try and get in touch with you directly, asking for any money you owe. However there’s a thin line between being reasonable and causing unnecessary alarm or humiliation, and there are laws in place to make sure you don’t have to suffer. These recognised guidelines set the standard for creditors and hold them accountable for their actions.

Administration of Justice Act 1970

This act stipulates that creditors, or a creditor’s agent, cannot make demands for money which are intentionally causing “alarm, distress or humiliation, because of their frequency or publicity or manner”. It is a criminal act to do so, and the creditor could face severe consequences if they break this law. It is also an offence if the creditor falsely implies that non-payment of the debt will lead to criminal proceedings, or if they pretend to be someone they’re not, including a court official or bailiff. Finally, this act means that it’s illegal for creditors to send someone a document which looks like it has been sent from a court.

Protection from Harassment Act 1997

This act makes it a criminal offence for a creditor to perform an action “which they know, or ought to know, amounts to harassment of another person”. Harassment can take many forms, including repeatedly being sent written warnings about the money that you owe. It can also be verbal, so if the creditor is making numerous calls to your workplace, or to your home in antisocial hours, then they could be seen as harassing.

Debt Collection Guidelines

Debt Collection and Debt Management Guidelines have been produced by the Financial Conduct Authority, which set out the types of debt collection practices which are considered unfair. These guidelines only apply to accounts where payments have been missed or are in arrears, not for routine debt collection. The guidelines provide examples of when contact with customers might be considered unfair, which includes unreasonable times. According to these guidelines the creditor must regard the reasonable requests of customers.

What to do if you think a creditor is harassing you

Those that believe a creditor is acting in a way which breaks these laws or guidelines should raise it with the creditor first. You’ll need to gather evidence, so record the times and contents of visits and calls. It also helps to save all of the threatening letters you may have received, as these could provide more than enough evidence for your case. You can then write a letter of complaint which informs the creditor that you know the guidelines and believe that they are in breach of them. If you ask them to stop then you have to inform them how you’d prefer to be contacted in future, and if the situation doesn’t change then a formal complaint can be made.

If you feel like a creditor is behaving in an overly aggressive way towards you, or if you want advice for any forms of debt, contact Council Tax Advisors today. Our experts can give you all the information you need regarding your financial difficulties, and we’ll be more than happy to speak to you and come up with a payment plan that suits you.

What is a Council Tax Liability Order?

When it gets to the time of the month when all our bills are scheduled to go out, each visit from the postman is met with an increasing degree of apprehension. As gas and electricity bills merge into phone contracts and broadband connections, it’s extremely easy to lose track of our outgoings – it is something that is affecting a higher and higher number of Britons every single year.

This is no different when we talk about council tax, either. Arguably the country’s most divisive compulsory charge since Poll Tax, its banded charging system and the perceived ruthlessness at which people in lower income brackets are targeted are all things that come up in the mainstream media every on a regular basis and this is unlikely to change as we march forward to the 2015 election and beyond. But for those of us faced with Liability Orders, it’s crucial that we don’t sit and wait for change while our problems continue to snowball; it is crucial that we understand our circumstances and act swiftly and effectively.

After the second letter you receive regarding missed council tax payment, you will inevitably receive a Liability Order through that summons you to a local Magistrate’s Court in order to work towards an amicable repayment solution. Without responding to any of these official documents from the council – and that includes missing the court hearing – you are putting yourself increasingly at risk from the council opting to involve a bailiff company in the proceedings.

What is telling about today’s society is that many of us are lead to believe that we are on our own, when in reality that couldn’t be further from the truth. Last year alone, local authorities in England and Wales obtained around 3.3 million Liability Orders to reclaim unpaid council tax, a huge percentage of the working population. With outside factors playing a part in the increase – public sector cuts have meant benefits are being slashed and extra charges such as the bedroom tax were introduced – more of us than ever before are being told we need to attend a hearing at a Magistrates Court to hear in person what is written out in front of us on paper: You have an outstanding council tax payment of an amount you are struggling to afford.

The important thing to remember is what to do should you find yourself in a difficult financial situation. Local authorities, despite their public image, will always prefer to work towards a solution with you personally than resolve things via enforcement agencies. However, we understand that it may be daunting to try and resolve this on your own; without the right support, guidance and information it may be difficult to reach a conclusion that suits both you and the council.

This is where agencies like Council Tax Advisors come in. With years of experience in local government legislation – ranging from ways you can go about paying various bills to the rights you possess when confronted with bailiff agencies – we are perfectly placed to ensure you work towards a solution in a manner that suits you. Our team are on hand to sit down and recognise routes out of your financial predicament and will be in close communication with your creditors – local council, payday lender or otherwise – to make them aware that you have actively sought out advice when you need to do so.

For more information on the services we offer, contact one of us here at CTACIC today and take the first steps towards a debt-free future. 

Struggling with debts with Lowell, CapQuest or Moorcroft – We can help

Whatever money troubles you get into, no matter how serious you think your troubles are, Council Tax Advisors are here to listen and help resolve financial problems. Although one area we specialise in is providing affordable solutions that arise from rising and expensive council tax bills, we offer free support for those in debt for several different reasons. Debt collection agencies can be brutal and incessantly forceful when attempting to reclaim the money you owe, but there are ways around avoiding this difficult relationship by contacting our staff.

We realise that falling into debt can be easier than some people may think and quite often this is not the fault of the person in it. High living costs and rises in inflation along with hikes in council tax rates across the country mean that household bills have taken an extra toll on people’s finances. Reductions in unemployment and Council Tax Rate Benefit mean families are finding it increasingly difficult to avoid getting in the red. A quick fix may look attractive before using payday lenders, but the impact is risky at best and leads to people falling further behind on their repayments due to the unbelievably high interest rates.

At the time you may feel that this route your best course of action, however this is clearly not the case with tougher regulations being imposed on payday companies due to their spiralling cost. According to the Financial Times, before new UK rules came into effect companies such as Wonga could charge annual interest rates up to 6,000 per cent. Thankfully, their powers have become more and more limited, but debt collectors still pose a problem for people with financial arrears. These types of organisations want you to feel as though they have more influence over you than is actually the case.

Examples of a debt collectors include the Lowell Group and are called upon when people are making reduced payments or if they have left fees owed unpaid. Your original creditor may contact agencies such as Lowell to collect from you and keep a proportion of what they get from those in debt. If you’ve been contacted by a debt collection agency there are a few things you need to know about what they can and cannot do. Even if they replace the original company chasing you for money, it doesn’t mean companies such as Lowell have extra power so they are not authorised or allowed to do anything different.

Arguably one of the most important limitations of these kinds of agencies is that they cannot take your belongings unlike bailiffs. They may come across as quite threatening and intimidating when letters are sent to your door demanding cash to clear debts and avoid sending an agent round, but this consequence is very unlikely as long as you phone or email them. When contacting them it is important you talk about your financial situation, make regular monthly payments and prove that you are paying as much as your budget allows.

You should expect debt collectors such as CapQuest and Moorcroft to phone and send letters requesting swift payments, but they cannot contact you several times of the day or at unreasonable times. Calling you in the early hours of the morning or late at night is not permitted and counts as harassment. Pressuring you to pay larger, unaffordable sums also counts as improper conduct. Although there is no limit on the number of times debt collection agencies can call, if this is persistent you can expect to be able to contact your creditor and complain about harrying.

Should you be in the unfortunate position of debt collection companies harassing you then fear not, Council Tax Advisors can help. Getting letters from people you do not know, demanding urgent repayments can place an even heavier weight on your shoulders. We work with you in creating a well-structured and affordable monthly payment plan which eases your financial apprehension.  Contacting our helpful team  is useful in preventing debt collection companies from constantly calling you and causing you avoidable stress during the day.  Call us today to find out how we can assist you in combating your debt issues and perhaps looming fears of debt collectors.

How to save money on your utility bills with UtilitySavingExpert.Com

Receiving letters requesting urgent payment for household bills are rarely met with glee due to the significant hit they take on your monthly earnings. Over the last few years utility bills such as electricity, gas and water have risen above inflation, but that does not stop energy companies from charging such high fees for their service. These are daily necessities so there is no use and no option in not using the services large companies provide for your home. Although they are very useful for cooking, going on the internet and cleaning yourself, spending money on energy bills is pretty costly.

Anticipating the end of the month because of pay day can have a diluted effect when bills are soaring with few options out there to find cheaper rates across energy providers’ quotes. However, at Council Tax Advisors we can offer you hope at ending your nightmare around getting mail through the post. There are a few things you can do when trying to save big spending on your utility bills. The most obvious courses of action involve switching off lights in rooms that are unoccupied along with being more economical with your heating as a short period of having it on can last for hours.

Something that unfortunately often gets overlooked is searching UtilitySavingExpert.com – a website that’s very effective at saving money for people who need it the most when worrying about their monthly expenditure. Taking the time to research the best deal for you will pay dividends and switching providers could save you hundreds of pounds after clicking onto this price comparison website.  Similarly to our company, they are impartial and their only motive is helping clients. They are also free to use like CTACIC.

With debt levels continuing to rise throughout the UK there is an obvious need to tackle big fees that are associated with energy giants, who have continuously failed to take into account the slow economic recovery from 2008. Fortunately, you can save between £200 and £300 through applying for benefits depending on your circumstances and age that combat the freezing winters where heating is an obvious priority at home. Gas and electricity prices are compared among a variety of companies on UtilitySavingExpert.com so you can clearly see what deal suits you in terms of supply and price. This is a welcome dilemma rather than hearing spiel from representatives of big energy firms.

Our services at Council Tax Advisors are free and impartial like UtilitySavingExpert.Com and both of these companies boost people’s confidence as your debt problems can be dealt with adequately. Credit card debt continues to soar up and down the country and we help reduce the burden that financial problems bring to you and your family. The first stage of changing your financial fortunes is by contacting us by phone, email or by post. There is no shame in getting support as it is much more damaging if you let this problem grow by pride getting in the way. Our team have experience at dealing with bailiffs which is why we set this company up, so we will have some understanding at what you are going through. Take action by contact us today. We’re here to help.

Are you expecting a visit from a Scott & Co. Sheriff for A Council Tax Debt?

There are fewer jobs more divisive throughout the whole of Scotland than that of the sheriff. While across the rest of the UK it may be hard to disassociate the stereotypical image of the Wild West cowboy, in Scotland things are very different. Similar to the role of the bailiff, the sheriff has powers vested in him by the Scottish government to carry out debt recovery operations for those who have continually neglected to meet the conditions of their payment agreement.

The burning question when talking about sheriffs is always whether they possess the right to enter your home, and whether they have any legal permission to begin to take permissions in order to contribute to the repayment plan. In theory, the answer is yes but fortunately it is a rare occurrence for a sheriff to exercise this privilege – this is as much the case with Scott & Co as it is with the large majority of debt recovery firms across the country.

Scott and Co Sheriff officers can only be deployed by creditors – local governments included – after numerous other pathways have been taken to recover the money owed. You will also only be required by law to let them in should they be in possession of a relevant court order that permits them to do so; these court orders are not handed out with any serious frequency and will only be used in cases deemed serious enough by the court.

 

Wage Arrestment

One method that is more likely to be employed by your creditors is what is known as wage arrestment, also known as earnings arrestment. For those that do not seek the right help, support or guidance when faced with serious debt troubles, your creditor will – by law – send you an information package that highlights various paths you can take in order begin your repayments amicably. CTACIC are an example of one of these outlets, as our team of experts are experienced in dealing with personal debt – it is absolute vital you heed this warning and seek us out, or the consequences could be extremely debilitating for your financial situation.

Not doing so will give them legal right to arrest your wages – the literal taking of your wages out of your bank account, the amount dependent on how much you earn. Whether it is standard pay, a bonus, sick pay or accrued holiday, your creditors will have full access to take your money against your will. In this situation, you need to be fully aware of both yours and the creditor’s rights in order to ensure everything is being kept within the legal guidelines – with the help of CTACIC, we can guarantee this is the case.

 

A Countrywide Issue

One common misconception that creditors and sheriff firms such as Scott & Co love to perpetrate is that when you are in debt, you are an island – completely isolated from all help. In reality, this couldn’t be further from the truth. Council tax in particular is a serious problem throughout Scotland and the number of people who struggle to meet their payment every year is only increasing. As the cost of living continues to rise against a backdrop of wage freezes and unemployment, there are thousands of people that seek debt advice every day – but, unfortunately, there are many that don’t.

It is important that you realise you need to act as soon as you feel yourself losing control of your finances. Without doing so, you begin on the slippery slope towards wage arrestment and sheriff intervention and the longer you neglect to seek advice, the worse the scenario becomes. Here at Council Tax Advisors (CTACIC), we urge to let go of that stigma that is attached to personal debt and take positive action towards finding an amicable solution to your problems.

If you feel as though any of the issues covered in this blog relate to your personal situation, do not hesitate to contact one of the team here at CTACIC today.

The Role of a Rossendales Bailiff Enforcement Agent When Collecting Council Tax

Rossendales are one of the leading providers of Bailiff and Warrant Services to Local Government and the Public Sector since 1972. They deliver enforcement services to local councils throughout the country, whilst paying great attention to Local Authority policies including Social Inclusion, Customer Car, Equality, Environmental Issues and Valuing Diversity. As far as enforcement agents go, Rossendales are professionals. They are given numerous local government performance targets, which mean they consistently drive to improve their collection numbers.

As a company, Rossendales work closely with over 140 Local Authorities with the specific focus of collecting Council Tax. The enforcement company works with District and City Councils, Metropolitan and Unitary Authorities, as well as a number of London Borough and Consortiums. As doorstep enforcement agents, these bailiffs are highly trained and clearly have the goals of Local Authority Clients in their sights. Their aims are to deal with cases quickly, efficiently and effectively, which means when collecting Council Tax they are eager to receive payment in one form or another.

If you are struggling with Council Tax arrears and it has reached the stage where a Rossendales bailiff is at your door, it is imperative that you know your rights. If a Rossendales bailiff visits your home, you do not necessarily have to let them in straight away. It is a common misconception that enforcement agents have unlimited authority. However, when it comes to Rossendale enforcement agents, this is not the case. When at your doorstep the enforcement agents are unable to force their way into your home. A Rossendales enforcement agent must be invited in by you, but if you do allow them to enter your home they may begin claiming your possessions to repay any Council Tax Debt.

If you have granted a Rossendales enforcement agent peaceful entry once, they are then permitted to re-enter your home whenever they choose to return. Letting an enforcement agent in is not a decision to be taken lightly. If you do not grant the Rossendales bailiff entry on the first occasion, you are well within your rights to reject them at a later date. Nevertheless, it is important to remember that even if you do not grant entry, Rossendale enforcement agents are still able to take possessions from outside of your home, such as your car.

In terms of forcing entry into your home, Rossendales are technically unable to ever force their way in. However, if a Rossendale enforcement agent has been given a court order or has already been granted peaceful entry, there is a “reasonable force” rule that applies. Despite rumours that are often born out of fear, Rossendales bailiffs are not able to go to unnecessary extremes. If there is a Rossendales bailiff using reasonable force to gain entry into your home, you can rest assured there will be no physical violence or breaking of windows.

If you come face to face with Rossendales enforcement agents, you should always try to arrange repayment with them directly. At this point, dealing with them openly is the most efficient way to pay your debt and ensure that they will not return any time soon. There are a number of ways you can pay the full amount including by phone, post, at the bank and even online. If you are unable to pay the full amount, you should be prepared to draw up a realistic repayment plan. If Rossendales bailiffs reject your repayment plan suggestions and you are unable to agree any repayment suggestions made by them –it may be time to seek extra help.

Council Tax Advisors have extensive experience of dealing with Rossendales enforcement agents. As a specialist debt advice Community Interest Company, CTACIC can help create a realistic repayment plan that works for you, your council and Rossendales enforcement agents. We will act as a buffer between you and any enforcement agents that arrive at your door by providing you with extensive advice and options. If you are currently struggling to deal with Rossendales enforcement agents, contact us here today.

Debt Arrangement Schemes (DAS) and Council Tax Debt

We are all likely to experience times when money is tight, but the month after Christmas is likely to be a period where there is increased financial strain up and down the country. A combination of paying rent, bills and other needed living costs can leave us with limited money for other things such as transport to and from work. Therefore, avoiding debt can be easier said than done. Spending additional cash on council tax may become a more unwelcome charge than usual in January.

Here at Council Tax Advisors we help those who need financial support whatever month of the year it is.  Thankfully, we provide a range of options when people can feel helpless at their spiralling debt. Do not worry, solutions such as our Debt Arrangement Schemes (DAS) could be the first step in restoring your financial stability and dramatically improving your mood. This works simply and effectively at getting you out of the red and back into the black without the high interest rates of payday lenders.

So, what is a Debt Arrangement Scheme? It is a method of repaying what you owe by agreeing to a Debt Payment Programme (DPP) and this covers a third of people with arrears totally more than £5,000. It is a Scottish-government scheme and you get help from a specialist DAS-approved money adviser who contacts your creditors in order to request that they agree with your DPP. While this is helpful, you will be boosted by the fact that the terms of a DPP include a freeze in interest along with smaller monthly repayments. A disadvantage of this is that you will be in debt for longer, but on the other hand, you will be paying affordable amounts.

Under a DAS you pay what you can afford, which is the amount of money remaining after essential expenditure on rent, mortgage payments, bills and food. The fact that the interest of your debt, among other charges, is frozen shows that we are fully motivated at helping Scottish citizens with their financial troubles.  This arrangement is far more reliable than calling on payday companies for a quick fix. Another benefit from using this method of combating debt is the DAS means your creditors will then have no power of chasing you for the money you owe them.

Despite the positives of getting an approved DAS, it will harm your credit rating as you have defaulted on your initial repayment agreement. This means that you will be unable to borrow more money during your repayment period. On the flipside, an advantage is that you won’t lose your home as the case with some arrears where properties are repossessed. This doesn’t mean you will avoid paying rent or your mortgage, though. Your DAS only ends when you have paid all of your debts.

With council tax rising across the UK and slow economic recovery from the global financial crisis in 2008, it has proved to be very difficult for residents to keep up with property tax payments among a host of other bills. Contacting our team at CTACIC will help put your finances back on the right track and take the weight off your shoulders that financial problems bring. Getting a Debt Arrangement Scheme could well be your best option, but if you’re unsure what to do then please contact us today.

Dealing with Wage Arrestments in Scotland for Council Tax Arrears

Bailiff Debt Advice

Dealing with debt in Scotland due to council tax can be extremely hard at the best of times. No matter how much we hate it, council tax is something that we all have to live with and the payments can pile up if you’re not too careful. In the unfortunate event of you not being able to pay your council tax for a while you may suffer various consequences. One of them is the possibility of a wage arrestment being issued, which takes money directly from your bank account in order to repay the arrears. There are a few steps you need to be aware of before this happens.

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If it’s been a while since you paid your council tax, and you’ve been given written warnings about the arrears, then a Sheriff Officer could be called in. Sheriff Officers enforce court orders and they issue you with a summary warrant which details the amount of money due and where the payments should be made. By receiving a summary warrant you’re likely to have also incurred a 10% penalty charge on top of the council tax debt.

Sheriff Officers have slightly more jurisdiction compared to Bailiffs in England. They can repossess items from your property to the value of what you owe and they can even enter your home if they hold the necessary documents. Sheriff Officers contacting you on the phone may ask for employment and bank account details, and it’s advisable not to hand these over if you want to avoid a wage arrestment.

Anyone in employment, apart from those serving in the armed forces, can have their wages arrested. For a creditor to use a wage arrestment they must have served a charge for payment and provided you with a Debt Advice and Information Package, which explains exactly what rights you have and encourages you to seek advice. Your wage arrestment isn’t legal unless this process has occurred.

Should your wages be arrested there are certain rules regarding how much money can be taken from your account. The amount taken is dependent on how much money you earn, and even wages that include commission, bonuses and statutory sick pay can be arrested. The deduction is based on a formula and doesn’t take any other debts or outgoings into account. Should your earnings change, so will the wage arrestment deductions, but you must always be left with at least 60% of your net income.

Fortunately there are certain debt solutions available that can override wage arrestments. This includes trust deeds and Debt Arrangement Schemes, which terminate the arrestment and end the creditor’s right to withdraw money straight from your account. If you’re worried about council tax arrears and are unsure about how you’re going to deal with mounting debt, seeking help from a specialist service such as Council Tax Advisors could help to resolve all of your issues.

Council Tax Advisors offers free and impartial advice to people suffering from council tax issues or any other form of debt. If your wages have been arrested, or if you’re worried that they will be in the future, then get in touch with a friendly member of our team today. We can provide details about how best to handle your debt problems and give you peace of mind. If you would like more information on Wage Arrestments you can read our ultimate guide to wage arrestments by clicking here

The Importance of Life Insurance

Life insurance might not be something we think about so much when we’re young, but as we grow older it’s clear to see there are major benefits to having a great policy. Not only does it add great peace of mind, but it’s also a fantastic safety net for your family and loved ones should anything happen to you. Life insurance is a huge part of having a great financial plan, and there are plenty of policies out there which offer great coverage.

If you are in the position where your loved ones depend on you financially then to put it simply, life insurance is a necessity. Life insurance replaces your income when you die, which is particularly important if you have a young family. It’s also useful for leaving an inheritance, and even if you don’t have any other assets to pass onto your heirs a life insurance policy could provide them with the financial stability that they need.

Death shouldn’t have to mean debt, and by taking out a life insurance policy you’ll be safeguarding the future of your family in what would already be a very emotional and tough time. Anything can happen at any time, so investing in quality life insurance can at least put your mind at ease and leave you with the feeling that your family would be okay financially were you to pass away. Life insurance could also end up covering the costs of funerals, taking the stress away from your family in what would already be a very hectic and rough time.

When it comes to policies there are a few different types and you’ll have to take the time to assess each one and see what’s right for you. The most popular is term insurance, which pays out when a policyholder dies within a set period of time. The majority of policies run between 10 to 25 years, and you can specify how long you want your term to be. If you do happen to die during the term then the policy pays out the amount agreed at the start, known as the “sum assured”. If you live beyond the term then the cover expires and you’ll have to invest in a new one.

There are three variations of term insurance. Level term insurance, where the “sum assured” is the same amount in the final year of the policy as it was in the first. Decreasing term insurance, where the pay-out is reduced over time and finally increasing term insurance, where the pay-out rises over time to keep up with the rising cost of living. This is often the most expensive form of term insurance.

You’ll also need to decide how much cover you’ll need, and to do this you’ll have to add up any debts that need repaying and work out how much your family would need to maintain their lifestyle were you to pass away.         It might all seem like a hassle now but life insurance is something which can’t go ignored. If you want to be safe in the knowledge that your loved ones are protected in the event of your death then the importance of life insurance cannot be underestimated.

If you’re struggling with the thought of life insurance and aren’t sure where to look or how to get the best deal, make sure you contact Council Tax Advisors today. We can give you free and impartial information about how to get the best policies that’ll leave your loved ones fully protected if the worst should happen.

Personal Debt in 2015: The Forecast

As the dust settles on yet another expensive Christmas period, many people across Britain are finally waking up to the harsh realities of their financial situations. While it is easy to put these problems to the back of our minds in the run up towards the festival period – an extra payday loan here, a missed credit payment there – as we look to sacrifice our own worries for the enjoyment of our families, the first two months of the year are always the hardest for people across the UK.

This isn’t just a question of being ‘a bit skint’ until January payday. Unfortunately, this is about failing to keep on top of finances in an almost fatal manner. As one, two, three missed bills start to hit us, the fear of debt becomes inescapable but many of us still refuse to manage to seek help in time. It appears that, even in 2015, the old stigma attached to financial difficulty that has been perpetrated by those in power for decades is something deeply rooted in the British disposition. The question is, can we finally get the courage to seek out the help that we need and deserve?

The figures, tellingly, speak for themselves. Before the figures for December are even finished being compiled, those for November cement what we already know – the average Briton is struggling with repaying their debts. November 2014 showed that people in the UK managed to drum up the highest level of new debt in seven years. Whether it’s through credit cards, loans or overdrafts, it seems our reliance on credit-based schemes is greater than ever, with the total figure estimated at over £1.25bn.

While the country isn’t yet at crisis point, we are hardly a nation in rude financial health. The Bank of England figures make for troubling reading, but there is also a growing feeling that this may be the year where people in need of support actively seek it out as soon as the first bills of 2015 begin to come in. With the credit card industry under increasing scrutiny from the Financial Conduct Authority (FCA) due to their ‘aggressive’ marketing campaigns, advice organisations such as us here at Council Tax Advisors believe that the trust in credit companies is dwindling and as a result people are going to want to seek support in their efforts to resolve their financial difficulties.

Of course, this is something easier said than done. A report in The Guardian recently highlighted the extent of the increase of personal debt, and there is a worry that many people do not realise how bad their problems actually are. At CTACIC our services are designed to help at any point of financial difficulty, whether it’s a worry that a council tax bill may not be able to be paid this month or providing you with a detailed list of your rights if your faced with bailiff intervention. The important thing is to not sleepwalk into problems that can be easily avoided with the right guidance.

If these issues of personal debt or missed payments seem to be an unwanted reoccurrence in your life, it’s important to realise what kind of help is available for you to work with. By contacting one of our skilled personal debt experts here at CTACIC, you are giving yourself a huge advantage in the battle to get out of the red and back into the black. For more information on the services we offer, or to explain your issues in more detail, do not hesitate to get in touch with us today.

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an organisation set up by the government to offer free and impartial advice to those in debt. Just click the link above to find out more.

Refresh Debt Services Ltd t/a Council Tax Advisors
Address : Milltown House, Milltown Industrial Estate, Warrenpoint, Co. Down, BT34 3FN

Refresh Debt Services Ltd is authorised and regulated by the Financial Conduct Authority No 674160
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