OUR KNOWLEDGE BASE

Collaborative & Innovative

RECLAIMING BANK CHARGES

If your bank has charged you for unplanned overdrafts, returned Direct Debits, or for services you haven't used, you may be entitled to reclaim some or all of your charges.
Some people have received thousands in returned fees. Your bank will not charge you for making this enquiry.

VULNERABLE DEBTORS

People who are classed as Vulnerable are entitled to be recognised as such. In some cases, a vulnerable person could receive special treatment. Bailiffs may not even be allowed to call at your property if you fall into this category. If you think you are vulnerable, read this...

FIGHTING CCJ'S

If you have received a claim form from the county court, we can help you respond to that request, file the correct paperwork and draft a defence. Here, we explain the steps you need to take and what you can expect to receive back along with a rough timescale for proceedings.

TV LICENSE

In the UK, you must have a TV license if you watch live TV. This includes Sky and cable TV.
There are some circumstances where you may be exempt from paying the TV license - Even if you still have a television in your house.
This section of our site will help you stay on the right side of the law and will help you prepare for when the TV Licensing officials come knocking.

PAYDAY LOANS

In 2014, the Financial Conduct Authority ruled that Wonga was to write off £220 million in loans to 375 thousand borrowers. Wonga itself admitted "Those people should never have been given loans."
You may be entitled to a refund. FInd out here...

THE 3 LETTER PROCESS

The 3 letter process is a way of challenging a debt because of the way it has been sold or passed on.
This process is not suitable for every type of debt. It works best when a debt has been sold by one company to another.
However, the process has also worked on debt that has only been assigned.
To this date, we have been unable to establish any kind of pattern in the way debts are written off using these letters. However, they have been successful tens of thousands of times and are responsible for writing off Millions in unlawful debt,

COUNCIL TAX

None of us WANT to pay Council Tax, but unless you are willing to do a lot of research and potentially go to prison for your beliefs (which isn't necessarily a bad thing) you don't get a choice. If you're having trouble paying this "Priority Bill", you may be able to get help to pay or have the option to arrange an affordable payment plan.

DEALING WITH BAILIFFS

If Bailiffs have made contact with you, have posted a letter through your door or have attended your property, there is no need to worry. "Dealing With Bailiffs" explains what powers bailiffs have and how you should approach the situation. Most importantly, do not engage with them. As long as they're locked out, they can't do a thing.

PARKING TICKETS

There are 2 types of parking ticket, Council And Private. They both look the same but are challenged in different ways. Learn more...

FIXED PENALTY NOTICES (FPNS) AND ON THE SPOT FINES

If you have received a fixed penalty notice for dropping litter or have received an on the spot fine from a council employee, we may be able to help...

THE FINANCIAL OMBUDSMAN SERVICES

If you believe a financial institution has treated you unfairly, or they have not responded to your complaint, it could be time for you to complain to the FOS and ask them to review your case. Click below to find out who the FOS are and exactly when you should contact them.

VEHICLE CLAMPING

If your car has been immobilized by a bailiff, there may be steps you can take to free it. This section of the site also includes a handy video all members who own a car should watch.

IMPLIED RIGHT OF ACCESS

This is not suitable for every situation and will not stop a police constable, High Court Bailiff or the Postman, but is useful when dealing with TV Licencing, Debt Collection Agencies and companies like BrightHouse who have started recovery action and are making visits outside of your arranged payment plan.

GDPR

Learn how you can use the General Data Protection Regulation (GDPR) to stop companies processing your personal data. We have provided a template for you to customize to help you submit your requests.

DIRECT DEBIT CLAWBACKS

Sometimes, companies take money when they shouldn't, or they take the wrong amount at the wrong time. If this is the case, you are entitled to an immediate refund under the Direct Debit Guarantee. Find out more here...